2026 BAH · New York

New York BAH rates 2026

New York has 11 military housing areas. E-5 BAH with dependents ranges from $1,665 in Fort Drum/Watertown, NY to $5,070 in New York City, NY.

Housing area	E-1 with	E-5 with	E-5 without	O-3 with	vs 2025
New York City, NY	$5,067	$5,070	$4,980	$5,529	+2.8%
Westchester County, NY	$4,182	$4,479	$3,606	$6,633	+7.6%
Long Island, NY	$4,122	$4,425	$3,600	$5,061	+4.9%
Staten Island, NY	$3,549	$3,735	$3,192	$4,554	+5.1%
West Point, NY	$3,258	$3,468	$2,859	$4,380	+10.9%
Ballston Spa/Albany, NY	$2,388	$2,634	$2,073	$3,234	+7.7%
Buffalo, NY	$2,055	$2,214	$1,791	$2,772	+7.6%
Rochester, NY	$1,941	$2,214	$1,662	$2,757	+7.3%
Rome/Griffiss AFB, NY	$1,929	$2,109	$1,614	$2,880	+0.5%
Syracuse, NY	$1,872	$2,049	$1,599	$2,811	+4.6%
Fort Drum/Watertown, NY	$1,569	$1,665	$1,422	$2,469	+4.3%

Bases

E-5 monthly BAH, 2026.

Installation	Service	Housing area	E-5 with	E-5 without
Fort Drum	Army	Fort Drum/Watertown, NY	$1,665	$1,422
West Point	Army	West Point, NY	$3,468	$2,859

881 New York ZIP codes fall outside the housing areas above and get a county cost group rate.

Group	ZIPs in NY	E-5 with	E-5 without
County Cost Group 790	131	$1,890	$1,542
County Cost Group 750	101	$1,638	$1,332
County Cost Group 850	67	$2,409	$1,968
County Cost Group 800	66	$1,962	$1,599
County Cost Group 810	65	$2,064	$1,683
County Cost Group 740	58	$1,590	$1,290
County Cost Group 760	57	$1,686	$1,368
County Cost Group 640	55	$1,434	$1,161
County Cost Group 700	48	$1,497	$1,212
County Cost Group 730	48	$1,557	$1,263
County Cost Group 690	45	$1,482	$1,200
County Cost Group 620	36	$1,419	$1,149
County Cost Group 770	34	$1,752	$1,425
County Cost Group 870	34	$2,652	$2,172
County Cost Group 710	19	$1,515	$1,227
County Cost Group 830	17	$2,250	$1,839

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