What does it actually cost to rent a house near Fort Campbell in 2026? For most households, the answer depends on bedroom count, commute, neighborhood, home condition, and whether you rent on the Tennessee or Kentucky side of the installation.
As a practical starting point, plan on approximately $1,400 to $1,900 per month for a typical three-bedroom house in Clarksville, with newer homes in Sango, Rossview, and St. Bethlehem often reaching $2,000 or more. Oak Grove and Hopkinsville can offer lower asking rents, although commute time and available inventory should be part of your calculation.
The following ranges are planning estimates based on 2026 rental-market observations, current listing patterns, and market sources. Rent changes quickly, so confirm the price, fees, and availability for each property before applying.
What are typical house rents near Fort Campbell by bedroom count?
Detached one-bedroom houses are limited in this market. One-bedroom apartments, duplexes, and smaller townhomes are more common. Family-sized rental houses generally begin with two bedrooms.
| Area | 1 bedroom or small unit | 2-bedroom house or townhome | 3-bedroom house | 4-bedroom house |
|---|---|---|---|---|
| Clarksville | $1,000–$1,300 | $1,250–$1,550 | $1,400–$1,900 | $1,750–$2,600+ |
| Sango and Rossview | Limited | $1,400–$1,650 | $1,600–$2,000 | $1,950–$2,600+ |
| St. Bethlehem and 37043 | Limited | $1,350–$1,650 | $1,600–$2,000 | $1,900–$2,600+ |
| Oak Grove, Kentucky | Limited | $950–$1,250 | $1,150–$1,550 | $1,400–$1,900 |
| Hopkinsville, Kentucky | Limited | $900–$1,200 | $1,100–$1,500 | $1,350–$1,850 |
These ranges are not guaranteed rental values. A renovated three-bedroom home with a garage, fenced yard, newer appliances, and convenient gate access may rent for substantially more than an older home with fewer updates.
Current Haus rental inventory illustrates the spread. Recent Clarksville listings have included three-bedroom homes around the mid-$1,600s to mid-$1,800s and larger four-bedroom homes priced around $2,000 to $2,600. You can review current Haus listings, but confirm availability directly because homes may lease quickly.
For additional market context, review current Fort Campbell rental trends from Zillow and available Fort Campbell-area houses on Rent.com.
How much should you budget in each area?
Clarksville, Tennessee
Clarksville offers the broadest range of off-post housing near Fort Campbell. Homes closer to Gate 7, Gate 4, Tiny Town Road, and the west side of the city may provide shorter commutes, while newer construction and larger homes may be found farther east.
For a standard three-bedroom house, a realistic budget is $1,500 to $1,800 per month. Smaller or older homes may fall below that range. Newer construction, larger floor plans, and properties in high-demand corridors can approach or exceed $2,000.
Sango and Rossview
Sango and Rossview are often priced at the upper end of the Clarksville rental market because of newer construction, larger homes, popular amenities, and strong demand from military and civilian households.
For a modern three-bedroom house, plan on approximately $1,600 to $2,000 per month. Four-bedroom homes commonly require a budget of $1,950 or more, depending on square footage, finishes, and neighborhood.
St. Bethlehem
St. Bethlehem and the broader 37043 area can offer convenient access to shopping, schools, medical services, and major roads. The area includes older established homes as well as newer subdivisions.
A three-bedroom house will often fall between $1,600 and $2,000 per month, although condition and exact location matter more than the ZIP code alone.
Oak Grove, Kentucky
Oak Grove sits next to Fort Campbell and may appeal to renters who prioritize proximity to the installation. The market generally includes more modestly priced homes than premium Clarksville corridors, but inventory can be limited.
A three-bedroom house may commonly fall in the low-to-mid $1,000s. Before choosing Oak Grove solely because of rent, test your actual commute to your unit and preferred gate during peak traffic.
Hopkinsville, Kentucky
Hopkinsville is farther from Fort Campbell than Oak Grove but may provide lower rental costs and more established neighborhoods. A three-bedroom home may often fall between $1,100 and $1,500 per month.
The savings should be compared with fuel, vehicle wear, commute time, and childcare or school transportation needs.
What is usually included in the rent?
Most single-family rental houses near Fort Campbell are leased with the tenant paying utilities separately. The rent may include:
- Use of the home and listed appliances
- Owner-paid HOA or association fees, when applicable
- Standard property maintenance required under the lease
- Trash service in some communities
- Lawn care only when specifically stated in the lease
Do not assume that a service is included because it was included at a previous rental. Ask for a written breakdown before applying.
Common tenant-paid expenses include:
- Electricity
- Water and sewer
- Natural gas, propane, or heating fuel
- Internet and cable
- Renters insurance
- Lawn care
- Pest control, if assigned to the tenant
- Resident benefit or technology packages, when required by the lease
How much do utilities cost for a rental house in Clarksville?
For a typical detached house, a reasonable planning range is $300 to $400 per month for electricity, water, sewer, gas when applicable, trash, and internet.
A practical estimate may look like this:
- Electricity: $145–$190
- Water and sewer: $60–$110
- Natural gas or propane averaged over the year: $40–$80
- Trash: $15–$30
- Internet: $60–$80
Summer cooling and winter heating can push monthly costs higher. A larger home, older HVAC system, poor insulation, or higher occupancy may also increase usage. You can review a current Clarksville utility-cost reference, but ask the landlord or manager whether prior utility bills are available for the specific property.
What deposits, application fees, and pet charges should you expect?
Move-in costs can be considerably higher than the advertised rent. Common local practices include:
- Security deposit: Often equal to one month’s rent, but it may vary based on the property and screening results.
- Application fee: Commonly about $40 to $75 per adult applicant.
- Pet fee: Frequently a nonrefundable fee of approximately $200 to $400 per pet.
- Pet rent: Often $25 to $50 per month per pet.
- Administrative or resident-benefit fee: Some properties charge a monthly package for services such as renters liability coverage, HVAC filters, rent reporting, rewards, or pest control.
- First month’s rent: Usually due before or at move-in.
Ask whether the deposit is refundable, what deductions are permitted, whether pet fees are per animal, and which fees apply if your application is denied or you withdraw.
Is renting in Tennessee different from renting in Kentucky?
Yes. Tennessee and Kentucky have different landlord-tenant statutes, lease requirements, notice procedures, deposit rules, local practices, and court processes.
Your daily housing costs may also differ based on:
- Utility providers and billing arrangements
- Local taxes and fees
- Insurance costs passed through the rent
- Property condition and age
- Commute distance
- Local rental supply
Renters should read the actual lease rather than rely on a general state comparison. If you rent in Tennessee, the lease or accompanying disclosure must identify the true name and address of the property owner or authorized management agent, along with the appropriate contact information required by law.
TCA § 66-28-302 compliance line: Active Tennessee lease documentation must include the true name and address of the property owner or authorized management agent, as well as the person authorized to receive notices and service of process. Review the Tennessee statute or consult a qualified Tennessee attorney for advice about a specific lease.
How does Fort Campbell BAH compare with local rent?
The 2026 Fort Campbell housing allowance can cover a substantial portion of local rent, but the result depends on rank, dependency status, and the property you choose.
Publicly reported 2026 Fort Campbell rate tables list approximately:
- E-5 with dependents: $1,815 per month
- E-5 without dependents: $1,593 per month
Verify your individual allowance through the official Defense Travel Management Office BAH Rate Lookup. The official rate depends on your pay grade, dependency status, duty-station ZIP code, and applicable calendar year.
An E-5 with dependents may find that BAH closely aligns with a standard three-bedroom rental in Clarksville, Oak Grove, or parts of Hopkinsville. A newer four-bedroom home or a property in Sango or Rossview may exceed BAH, leaving the renter responsible for the difference. Utilities and renters insurance are generally separate from rent.
Haus expert perspective
Haus Realty & Management is a Tennessee Silver Level Veteran Ready Business for 2025–2026, a designation recognizing the company’s commitment to service members, veterans, and their families.
That experience matters when you are comparing more than a monthly payment. A dedicated Fort Campbell relocation team can help you evaluate gate access, commute patterns, lease terms, utility responsibility, and the practical differences between Tennessee and Kentucky.
You can begin with Haus’s Fort Campbell military relocation resources.
What does rent mean for a local landlord’s gross and net cash flow?
For owners, a $1,800 monthly rent does not equal $1,800 in spendable cash flow.
An illustrative annual projection might look like this:
- Scheduled rent: $1,800 × 12 = $21,600
- Five percent vacancy allowance: approximately -$1,080
- Property management at 10 percent of collected rent: approximately -$2,050
- Maintenance reserve at 8 percent of scheduled rent: approximately -$1,730
- Lawn care, turnover, and miscellaneous operating costs: approximately -$600
That leaves roughly $16,140 before property taxes, insurance, HOA fees, mortgage debt, and major capital repairs. Actual results depend on the property, lease structure, vacancy, maintenance history, financing, and management agreement.
Owners should underwrite the specific address instead of relying on a citywide median. Haus can help you evaluate Clarksville property management considerations and compare expected rent with realistic operating expenses.
Is renting better than buying near Fort Campbell in 2026?
Renting may be the better short-term choice if you are new to the area, expecting another PCS, uncertain about schools, or still comparing Tennessee and Kentucky.
Buying may make sense if you expect to remain in the area for several years and your budget supports maintenance, taxes, insurance, and future selling costs.
For a rent-versus-buy reference point, Freddie Mac reported that the national average 30-year fixed mortgage rate was 6.95% for the week ending September 17, 2026. Review the Freddie Mac PMMS report.
At 6.95%, principal and interest on a $300,000 30-year loan would be approximately $1,987 per month before taxes, insurance, HOA fees, and maintenance. That is not a rental comparison by itself, but it shows why your full monthly ownership cost, not only the mortgage payment, should guide the decision.
What should you budget before applying?
For a typical three-bedroom Clarksville rental listed at $1,700, a reasonable initial budget may include:
- First month’s rent: $1,700
- Security deposit: approximately $1,700
- Application fees: $80 to $150 for two adults
- Pet charges, if applicable: $200 to $400 or more
- Utility deposits and connection costs
- Renters insurance
- Moving expenses and household setup
Your total move-in funds could exceed $3,500 before pet charges and utility setup. Request a written fee sheet before submitting an application.
Frequently asked questions
What is the average rent for a three-bedroom house near Fort Campbell?
In 2026, a typical three-bedroom house in Clarksville commonly falls between $1,400 and $1,900 per month. Newer homes in Sango, Rossview, and St. Bethlehem may reach $2,000 or more.
Is Oak Grove cheaper than Clarksville?
Oak Grove is often less expensive than premium Clarksville corridors, but the difference depends on the property. Compare total costs, including commute, utilities, pet fees, and condition.
Are utilities included in most Fort Campbell-area rentals?
Usually not. Tenants commonly pay electricity, water, sewer, internet, and gas or propane separately. Confirm every responsibility in writing.
How much should I expect to pay for a rental deposit?
Many landlords request approximately one month’s rent, but the amount varies. Ask whether the deposit is refundable and how it will be handled under the lease.
Can my BAH cover a house near Fort Campbell?
It may cover a standard rental depending on your rank and dependency status. Premium neighborhoods, larger homes, utilities, and pet costs may require additional funds.
Are you looking for a rental or evaluating an investment property?
If you are moving to Fort Campbell: Talk with a Fort Campbell relocation specialist about available rentals, commute priorities, lease terms, and the Tennessee-Kentucky comparison.
If you own a Clarksville-area rental: Request a rental-rate and management evaluation before setting your asking rent. Proper pricing, consistent screening, responsive maintenance, and realistic cash-flow analysis can protect your investment and reduce avoidable vacancy.
This article provides general market and housing information and is not legal, tax, lending, or financial advice. Rental prices, fees, utility costs, BAH rates, and availability can change. Verify current terms with the property owner, authorized management agent, DTMO, your lender, or a qualified professional.
