BAH 2026Military housing area AR012
Fort Chaffee/Fort Smith, AR BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Fort Chaffee/Fort Smith, AR military housing area, with and without dependents, and the 47 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $1,263a month331st highest of 338
- E‑5 without dependents
- $996a month
- O‑3 with dependents
- $1,962a month297th highest of 338
- ZIP codes
- 47in this DoD area
Fort Chaffee/Fort Smith, AR pays $1,263 a month for an E‑5 with dependents: the 331st highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.
Monthly BAH by grade, 2026
The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for AR012. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,173 | $879 |
| E‑2 | $1,173 | $879 |
| E‑3 | $1,173 | $879 |
| E‑4 | $1,173 | $879 |
| E‑5 | $1,263 | $996 |
| E‑6 | $1,680 | $1,260 |
| E‑7 | $1,785 | $1,338 |
| E‑8 | $1,893 | $1,419 |
| E‑9 | $2,028 | $1,521 |
| Warrant officers | ||
| W‑1 | $1,701 | $1,278 |
| W‑2 | $1,827 | $1,371 |
| W‑3 | $1,965 | $1,524 |
| W‑4 | $2,052 | $1,701 |
| W‑5 | $2,166 | $1,809 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $1,803 | $1,353 |
| O‑2E | $1,944 | $1,458 |
| O‑3E | $2,070 | $1,674 |
| Officers | ||
| O‑1 | $1,320 | $1,077 |
| O‑2 | $1,677 | $1,341 |
| O‑3 | $1,962 | $1,527 |
| O‑4 | $2,199 | $1,785 |
| O‑5 | $2,370 | $1,842 |
| O‑6 | $2,388 | $1,944 |
| O‑7 | $2,400 | $1,974 |
| O‑8† | $2,400 | $1,974 |
| O‑9† | $2,400 | $1,974 |
| O‑10† | $2,400 | $1,974 |
E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.
ZIP codes in this area
DoD’s 2026 file puts these 47 ZIP codes in Fort Chaffee/Fort Smith, AR (AR012). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 72901, one ZIP in this area.
Show all 47 ZIP codesAll 47 ZIP codes
- 729xx
- 72901 72902 72903 72904 72905 72906 72908 72913 72914 72916 72917 72918 72919 72921 72923 72932 72934 72935 72936 72937 72938 72940 72941 72945 72946 72947 72948 72952 72955 72956 72957
- 744xx
- 74435
- 749xx
- 74901 74902 74930 74932 74936 74945 74946 74948 74951 74953 74954 74955 74956 74959 74962
Other areas in Arkansas
Areas whose DoD code starts with AR, with the E‑5 with-dependents rate for 2026.
How these rates work
- BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
- Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
- ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.