O-3 BAH Rates in Fort Chaffee/Fort Smith, AR (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Fort Chaffee/Fort Smith, AR is $1,962 per month with dependents and $1,527 per month without dependents. This rate is $897 below the national average for O-3.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-3 base pay of $7,737/mo (at 6 years of service) and BAS of $328.48/mo, total monthly compensation in Fort Chaffee/Fort Smith is approximately $10,027.48 with dependents or $9,592.48 without.
O-3 BAH: Fort Chaffee/Fort Smith vs National Average
| Fort Chaffee/Fort Smith | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $1,962 | $2,859 | −$897 |
| Without Dependents | $1,527 | $2,493 | −$966 |
O-3 Total Monthly Compensation in Fort Chaffee/Fort Smith
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Fort Chaffee/Fort Smith:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $1,962 | $1,527 |
| BAS | $328.48 | $328.48 |
| Total | $10,027.48 | $9,592.48 |
Base pay shown for 6 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.
Other Ranks in Fort Chaffee/Fort Smith
- E-3 — $1,173/mo
- E-4 — $1,173/mo
- E-5 — $1,263/mo
- E-6 — $1,680/mo
- E-7 — $1,785/mo
- O-1 — $1,320/mo
- O-2 — $1,677/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Fort Chaffee/Fort Smith?
The 2026 O-3 BAH rate in Fort Chaffee/Fort Smith is $1,962/mo with dependents and $1,527/mo without dependents.
What is the total monthly pay for O-3 in Fort Chaffee/Fort Smith?
An O-3 with 6 years of service in Fort Chaffee/Fort Smith earns approximately $10,027.48/mo total compensation with dependents (base pay $7,737 + BAH $1,962 + BAS $328.48). Without dependents: $9,592.48/mo.
Is Fort Chaffee/Fort Smith BAH above or below average?
O-3 BAH in Fort Chaffee/Fort Smith is $897 below the national average of $2,859/mo with dependents.
O-3 BAH in Fort Chaffee/Fort Smith, AR, in context
An O-3 with dependents in Fort Chaffee/Fort Smith, AR draws $1,962/mo — 31.4% below the national average of $2,859 for this grade (275th of 299 MHAs). Without dependents the rate is $1,527/mo, a $435 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $237/mo (to $2,199), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.