Updated February 2026

BAH Rates Fort Chaffee/Fort Smith, AR 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Fort Chaffee/Fort Smith military housing area (MHA: AR012), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$1,263

$15,156/year

E-5 without Dependents

$996

$11,952/year

O-3 with Dependents

$1,962

$23,544/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,173	$14,076
E-2	$1,173	$14,076
E-3	$1,173	$14,076
E-4	$1,173	$14,076
E-5	$1,263	$15,156
E-6	$1,680	$20,160
E-7	$1,785	$21,420
E-8	$1,893	$22,716
E-9	$2,028	$24,336
Warrant Officer
W-1	$1,701	$20,412
W-2	$1,827	$21,924
W-3	$1,965	$23,580
W-4	$2,052	$24,624
W-5	$2,166	$25,992
Commissioned Officer (Prior Enlisted)
O-1E	$1,803	$21,636
O-2E	$1,944	$23,328
O-3E	$2,070	$24,840
Commissioned Officer
O-1	$1,320	$15,840
O-2	$1,677	$20,124
O-3	$1,962	$23,544
O-4	$2,199	$26,388
O-5	$2,370	$28,440
O-6	$2,388	$28,656
O-7	$2,400	$28,800

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$879	$10,548
E-2	$879	$10,548
E-3	$879	$10,548
E-4	$879	$10,548
E-5	$996	$11,952
E-6	$1,260	$15,120
E-7	$1,338	$16,056
E-8	$1,419	$17,028
E-9	$1,521	$18,252
Warrant Officer
W-1	$1,278	$15,336
W-2	$1,371	$16,452
W-3	$1,524	$18,288
W-4	$1,701	$20,412
W-5	$1,809	$21,708
Commissioned Officer (Prior Enlisted)
O-1E	$1,353	$16,236
O-2E	$1,458	$17,496
O-3E	$1,674	$20,088
Commissioned Officer
O-1	$1,077	$12,924
O-2	$1,341	$16,092
O-3	$1,527	$18,324
O-4	$1,785	$21,420
O-5	$1,842	$22,104
O-6	$1,944	$23,328
O-7	$1,974	$23,688

13 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Fort Chaffee/Fort Smith (AR012) Military Housing Area:

72901 72903 72904 72908 72916 72923 72936 72937 72938 72940 72941 72944 72945

Frequently Asked Questions

What is the BAH rate for an E-5 in Fort Chaffee/Fort Smith?

The 2026 BAH rate for an E-5 with dependents in Fort Chaffee/Fort Smith, AR is $1,263 per month ($15,156 per year). Without dependents, the rate is $996 per month.

How many ZIP codes are in the Fort Chaffee/Fort Smith MHA?

The Fort Chaffee/Fort Smith Military Housing Area (AR012) includes 13 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.