Clarksville has the most uniform furnished market we have looked at, and the most complicated tax on it.
Thirty-one of the thirty-one places listed here are entire homes. Eighteen of them ask within $130 of each other. Seventeen ask exactly the same price. And a short stay in this city carries roughly 20% in tax — likely the steepest rate in this series, and it comes off in two stages, sixty days apart.
What a month actually costs
On 7 August 2026 there were 31 places listed on Homads for 30+ day stays inside Clarksville, from three owners. Every one is an entire home. There are no private rooms here at all.
Prices run from $2,654 to $3,659 a month, with the middle at $2,850. Half sit between $2,850 and $3,064.
That is a range of about $1,000 across an entire city, which is the tightest band in this series by a wide margin. Here is why.
Seventeen of the thirty-one are apartments at a single address on Needmore Road, all listed at $2,850. That one building is not just the biggest block of inventory in Clarksville — it is the median, the 25th percentile and the mode all at once. When you read "$2,850 is the middle of the Clarksville market," what you are really reading is one landlord's price list.
The other fourteen are houses and a few scattered apartments across the city, from $2,654 on Donna Drive up to $3,659 on Oakmont Drive. Five of them sit at $2,978 and four at $3,302, which suggests the same pricing discipline is being applied there too.
It is a family-sized market. Seventeen are two-bedrooms, eleven are three-bedrooms, three are four-bedrooms. There is not a single studio or one-bedroom on the list. If you are one person on a short assignment, Clarksville will sell you a two-bedroom house whether you want one or not.
And it is priced well above the local unfurnished market. Conventional three-bedroom homes in Clarksville's military-friendly neighbourhoods rent for roughly $1,500 to $2,000 a month. The furnished monthly median is $2,850. That gap — about $1,000 — is worth thinking about before you book, because it is bigger than it looks relative to what the local market costs.
Numbers move. Everything above came off the live listings on 7 August 2026 — worth checking the current set before you plan around it. That page pulls a radius rather than the city limits, so it shows more, including the Kentucky side.
Where to stay, depending on why you're here
Clarksville's inventory sits in two ZIP codes and that is genuinely the whole map.
37040 — central and east Clarksville. Twenty-three of the thirty-one, including all seventeen Needmore Road apartments at $2,850. Also houses on Tracy Lane, South Jot Drive, Core Drive, Camelot Drive and Flower Drive, from $2,978 to $3,367. This is the side of town closest to downtown, Austin Peay State University and the hospital.
37042 — north-west, toward the post. Eight listings, on Donna Drive, Newman Drive, Foxrun Lane, Athena Drive, Sandpiper Drive, Cobblestone Lane and Oakmont Drive, from $2,654 — the cheapest place in the city — up to $3,659, the most expensive. This is the side that runs toward Fort Campbell, and it is where the widest spread is.
The thing the map is really about. Fort Campbell sits on the Kentucky–Tennessee state line between Clarksville and Hopkinsville, and it is home to the 101st Airborne Division, the 160th Special Operations Aviation Regiment and the 5th Special Forces Group. Clarksville is the town on the Tennessee side of the gate. Essentially all of this inventory exists because of the post, and the 37042 listings are the ones closest to it.
Worth knowing: the post has a Kentucky postal address even though most of it is physically in Tennessee. Do not use the mailing address to judge which side of the line anything is on.
Why 31 days and 91 days both matter
This is the most layered tax situation in the series, so it is worth being exact. Clarksville stacks three separate charges on a short stay and they do not all stop at the same time.
The full stack is about 20%. State and local sales tax runs 9.5%. On top of that sits an 8% hotel-motel tax, and in 2024 the city council added a further 2.75% privilege tax to fund a performing arts centre — a rate that local reporting noted would put Clarksville near the top of the national table. Together that is roughly 20.25%. On $2,850 that is about $577 on a single month.
Stage one: the occupancy tax stops at 30 days. Montgomery County's guidance is explicit — "a tenant who occupied room space for thirty or more continuous days; that person is not required to pay the tax after the thirtieth day." So the local hotel-motel charges fall away once you pass a month.
Stage two: the sales tax does not stop until 90. The Tennessee Department of Revenue's rule is that "sales tax does not apply to accommodations or rooms rented to the same person for 90 or more continuous days." That is the 9.5% — roughly $271 a month on the median — and it stays on until day 90.
And it is a refund, not a waiver. This is the part to plan around. Tennessee's guidance says that "after 90 days, the dealer furnishing the room may refund any sales tax already collected from the person and claim credit for that tax on a subsequent sales and use tax return." You pay it for three months and get it back afterwards, if the operator processes it. Ask before you book how they handle that, and get the answer in writing.
One more thing about continuity. Tennessee's rule turns on continuous days paid for by the same person. Helpfully, "it does not matter if the room is not actually occupied, so long as it is continuously paid for by the same person" — so travel in and out does not break the chain. But a cancellation does: "the chain of continuous days for that room is broken and must start again." If you are working toward 90 days, do not let the booking lapse and restart.
One thing Tennessee does not give you. There is no statutory day count at which a guest becomes a tenant with a tenant's protections. The 30 and 90-day figures above are tax lines. What governs your stay is the agreement you sign.
Nothing here is legal or tax advice, and rates and ordinances change. Check the current position before relying on it.
Does the time of year matter?
Less than in most cities, and for a specific reason: this market runs on Army timing, not tourist timing.
PCS season. The Army's permanent-change-of-station moves cluster heavily in late spring and summer, roughly May through August, because families move between school years. That is when furnished housing near Fort Campbell is tightest and when the same houses will let you negotiate least. September through February is a considerably easier market.
Deployment cycles. Units returning or departing move a lot of families at once, and they do not follow a public calendar. If a landlord tells you availability just opened up, this is usually why.
Otherwise the climate is straightforward Middle Tennessee — hot, humid summers, mild winters with occasional ice, and pleasant springs and autumns. The region does sit in an active severe-weather corridor; Clarksville was hit by a destructive tornado in December 2023.
Who's actually renting here
Military families in transition, which is most of it. A PCS to Fort Campbell involves a gap: household goods in transit, on-post housing waitlists, house-hunting before committing. A furnished month or three fills exactly that gap, and it is why an entire building of identical two-bedroom apartments makes commercial sense here in a way it would not in most cities this size.
But look carefully at the numbers before you assume it is aimed at you. The 2026 Basic Allowance for Housing at Fort Campbell runs to roughly $1,815 a month for an E-5 with dependents, $2,100 for an E-6 and $2,496 for an O-3. The median furnished monthly price here is $2,850. For a lot of service members, this inventory is above allowance — which means these places are largely serving people whose costs are being covered another way: units paying for temporary lodging, contractors on per diem, or families absorbing the gap deliberately for a few weeks. If you are paying out of BAH, ask about a longer-term rate rather than assuming the listed price is the only price.
Contractors and civilian staff. The post supports a large defence and aviation contracting presence, and that work comes in fixed terms.
Traveling clinicians. Tennova Healthcare and Blanchfield Army Community Hospital both take contract staff, and Nashville is close enough that some assignments straddle the two.
People arriving before a house closes. Clarksville has grown quickly and is one of the more affordable places to buy in the region. A furnished quarter while a purchase completes is a common reason to be here.
None of them knows their exit date precisely. That is the whole reason this category exists.
Where to start
Look at what is currently listed in Clarksville, and be aware that most of what you see is one building at one price. That is not a bad thing — it means the market is legible and you are unlikely to overpay by accident — but it does mean the real negotiation here is on length, not on which listing. If your stay might run to three months, ask specifically how the operator handles the Tennessee sales tax refund at day 90, and get it in writing. If the category is new to you, what mid-term rentals are is the shorter explanation.
Listing counts and prices were read from live Homads data on 7 August 2026 and will have changed. Tax rates and the 30 and 90-day thresholds were checked the same day against the Tennessee Department of Revenue, Montgomery County and City of Clarksville sources.