Military BAHRATES

Army · New York · ZIP 13602

Fort Drum BAH rates 2026

Fort Drum

NY225 · 2026 BAH

$1,665/mo

E-5 · with dependents

$19,980 a year · +5.3% vs 2025

Without dependents: $1,422/mo

Dependency status

BAH at Fort Drum comes from DTMO's Fort Drum/Watertown, NY military housing area (NY225). In 2026 an E-5 with dependents receives $1,665 a month, or $1,422 without dependents.

$1,569
E-1 to E-4
with dependents (one shared rate)
$2,103
E-7
with dependents, $438 more than E-5
$2,469
O-3
with dependents
+4.3%
Avg change vs 2025
all 24 grades; E-5 pay ranks #95 of 127 bases

Fort Drum BAH by rank, with and without dependents, 2026

Monthly rates for every pay grade; your grade is highlighted. The rate depends on your duty station's ZIP code, so it applies wherever you choose to live.

DTMO’s official BAH calculator, Department of Defense (opens in a new tab) ↗
GradeWith dependentsWithout dependentsvs 2025
(with)
E-1Private (PV1) (Army), Airman Basic (AF)
$1,569
$1,356
+5.0%
E-2Private (PV2) (Army), Airman (AF)
$1,569
$1,356
+5.0%
E-3Private First Class (Army), Airman First Class (AF)
$1,569
$1,356
+5.0%
E-4Specialist / Corporal (Army), Senior Airman (AF)
$1,569
$1,356
+5.0%
E-5Sergeant (Army), Staff Sergeant (AF)
$1,665
$1,422
+5.3%
E-6Staff Sergeant (Army), Technical Sergeant (AF)
$1,893
$1,476
+5.2%
E-7Sergeant First Class (Army), Master Sergeant (AF)
$2,103
$1,578
+4.2%
E-8Master Sergeant / First Sergeant (Army), Senior Master Sergeant (AF)
$2,331
$1,749
+3.3%
E-9Sergeant Major (Army), Chief Master Sergeant (AF)
$2,526
$1,896
+3.2%
W-1Warrant Officer 1 / Warrant Officer 1
$1,914
$1,548
+5.1%
W-2Chief Warrant Officer 2
$2,196
$1,713
+3.7%
W-3Chief Warrant Officer 3
$2,478
$1,899
+2.9%
W-4Chief Warrant Officer 4
$2,544
$1,938
+3.3%
W-5Chief Warrant Officer 5
$2,631
$2,154
+3.8%
O-1EO-1 with 4+ yrs prior enlisted service
$2,145
$1,662
+4.1%
O-2EO-2 with 4+ yrs prior enlisted service
$2,436
$1,827
+2.9%
O-3EO-3 with 4+ yrs prior enlisted service
$2,559
$1,920
+3.5%
O-1Second Lieutenant
$1,701
$1,470
+5.2%
O-2First Lieutenant
$1,890
$1,638
+5.2%
O-3Captain
$2,469
$1,902
+2.9%
O-4Major
$2,655
$2,115
+4.0%
O-5Lieutenant Colonel
$2,784
$2,244
+5.0%
O-6Colonel
$2,805
$2,457
+4.9%
O-7+O-7 and above
$2,823
$2,496
+4.8%

BAH since 2022

E-5 with dependents moved from $1,353 in 2022 to $1,665 in 2026 (+23.1%).

How Fort Drum/Watertown, NY compares →

Monthly BAH in Fort Drum/Watertown, NY, 2022–2026

US dollars a month, with dependents, two common pay grades

E-5O-3
$1,000$1,500$2,000$2,500$3,00020222023202420252026E-5 with dependents 2022: $1,353E-5 with dependents 2023: $1,539E-5 with dependents 2024: $1,509E-5 with dependents 2025: $1,581E-5 with dependents 2026: $1,665O-3 with dependents 2022: $2,052O-3 with dependents 2023: $2,241O-3 with dependents 2024: $2,262O-3 with dependents 2025: $2,400O-3 with dependents 2026: $2,469$2,469O-3 with dependents$1,665E-5 with dependents
$1,000$1,500$2,000$2,500$3,000202220242026E-5 with dependents 2022: $1,353E-5 with dependents 2023: $1,539E-5 with dependents 2024: $1,509E-5 with dependents 2025: $1,581E-5 with dependents 2026: $1,665O-3 with dependents 2022: $2,052O-3 with dependents 2023: $2,241O-3 with dependents 2024: $2,262O-3 with dependents 2025: $2,400O-3 with dependents 2026: $2,469$2,469$1,665
Source: DTMO annual BAH rate files; rates in effect 1 January each year.
View as table: every grade, 2022–2026

With dependents

Grade20222023202420252026Change
E-1$1,296$1,428$1,422$1,494$1,569+21.1%
E-2$1,296$1,428$1,422$1,494$1,569+21.1%
E-3$1,296$1,428$1,422$1,494$1,569+21.1%
E-4$1,296$1,428$1,422$1,494$1,569+21.1%
E-5$1,353$1,539$1,509$1,581$1,665+23.1%
E-6$1,536$1,710$1,722$1,800$1,893+23.2%
E-7$1,722$1,902$1,917$2,019$2,103+22.1%
E-8$1,932$2,115$2,133$2,256$2,331+20.7%
E-9$2,094$2,307$2,310$2,448$2,526+20.6%
W-1$1,551$1,728$1,740$1,821$1,914+23.4%
W-2$1,809$1,992$2,007$2,118$2,196+21.4%
W-3$2,064$2,250$2,271$2,409$2,478+20.1%
W-4$2,106$2,334$2,328$2,463$2,544+20.8%
W-5$2,151$2,427$2,397$2,535$2,631+22.3%
O-1E$1,767$1,941$1,956$2,061$2,145+21.4%
O-2E$2,025$2,211$2,232$2,367$2,436+20.3%
O-3E$2,109$2,343$2,337$2,472$2,559+21.3%
O-1$1,380$1,566$1,542$1,617$1,701+23.3%
O-2$1,533$1,707$1,719$1,797$1,890+23.3%
O-3$2,052$2,241$2,262$2,400$2,469+20.3%
O-4$2,163$2,457$2,418$2,553$2,655+22.7%
O-5$2,238$2,607$2,523$2,652$2,784+24.4%
O-6$2,253$2,628$2,541$2,673$2,805+24.5%
O-7+$2,268$2,646$2,559$2,694$2,823+24.5%

Without dependents

Grade20222023202420252026Change
E-1$1,047$1,107$1,128$1,194$1,356+29.5%
E-2$1,047$1,107$1,128$1,194$1,356+29.5%
E-3$1,047$1,107$1,128$1,194$1,356+29.5%
E-4$1,047$1,107$1,128$1,194$1,356+29.5%
E-5$1,167$1,233$1,254$1,323$1,422+21.9%
E-6$1,239$1,320$1,338$1,404$1,476+19.1%
E-7$1,296$1,428$1,437$1,515$1,578+21.8%
E-8$1,449$1,587$1,599$1,692$1,749+20.7%
E-9$1,572$1,731$1,734$1,836$1,896+20.6%
W-1$1,290$1,401$1,404$1,476$1,548+20.0%
W-2$1,392$1,575$1,554$1,629$1,713+23.1%
W-3$1,575$1,734$1,737$1,839$1,899+20.6%
W-4$1,584$1,761$1,764$1,857$1,938+22.3%
W-5$1,767$1,950$1,965$2,073$2,154+21.9%
O-1E$1,353$1,533$1,506$1,578$1,662+22.8%
O-2E$1,518$1,659$1,674$1,776$1,827+20.4%
O-3E$1,581$1,758$1,752$1,854$1,920+21.4%
O-1$1,236$1,311$1,332$1,401$1,470+18.9%
O-2$1,338$1,503$1,482$1,557$1,638+22.4%
O-3$1,578$1,737$1,740$1,842$1,902+20.5%
O-4$1,734$1,911$1,929$2,031$2,115+22.0%
O-5$1,854$2,037$2,052$2,169$2,244+21.0%
O-6$2,049$2,235$2,250$2,391$2,457+19.9%
O-7+$2,073$2,268$2,286$2,433$2,496+20.4%

Other installations in New York

E-5 monthly BAH, 2026.

InstallationHousing areaWithWithout
West PointWest Point, NY$3,468$2,859

Questions

What is E-5 BAH at Fort Drum in 2026?
$1,665 a month with dependents and $1,422 without, from the Fort Drum/Watertown, NY rates (MHA NY225).
Which ZIP code is used for Fort Drum BAH?
This page uses ZIP 13602, which DTMO maps to NY225. If your unit's duty address has a different ZIP, enter it in the calculator: neighbouring ZIPs can fall in a different housing area.
Is BAH taxable?
No. BAH is a tax-free allowance; DTMO's BAH primer describes it as tax-free housing allowances paid to about one million service members.

Sources

  1. Defense Travel Management Office, BAH rates, all locations and all pay grades, 2026 (ASCII files), BAH Rate Lookup. Downloaded 2026-10-08.
  2. DTMO, 2025 and earlier rate files (same page), used for year-over-year change.