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2026 New York BAH Rates

Rates and VA Loan Buying Power

2026 New York BAH Rates and VA Loan Buying Power

New York BAH can materially change VA loan buying power because BAH is tax free and many lenders count it when it is verified on your LES. Before you use the tables, make sure the lender is using the right New York housing area, the right dependency status, and a payment target that fits your full file.


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New York BAH Snapshot

New York City runs highest in your sample set at $5,073 for an E-5 with dependents, while Fort Drum and Watertown is far lower at $1,665. Long Island, West Point, and Albany also sit in very different payment bands.

How Lenders Count BAH

Many VA lenders count BAH as qualifying income when it appears on your LES. Because it is tax free, some lenders also gross it up. That can help DTI, but residual income and the full monthly housing payment still matter.

PCS and Rate Protection

With valid PCS orders, lenders can often use gaining station BAH when you are moving into New York. Separate from that, individual rate protection can preserve a higher allowance while you stay at the same duty station with the same rank and dependency status.

LES and Documents

Expect underwriters to review two to three LES statements, plus PCS orders when you are buying before a move. Those documents help verify continuity, current entitlements, and whether the lender used the correct New York housing assumptions.

Frequently Asked Questions

Can I use New York BAH to qualify for a VA loan?
Yes. Many lenders count BAH as qualifying income when it appears on your LES. Because it is tax free, some lenders may also gross it up, which can improve ratios and increase VA loan buying power.
Can PCS orders change which New York BAH a lender uses?
Often yes. With valid orders, a lender may qualify you using the gaining station BAH for New York City, Long Island, West Point, Fort Drum, or another New York market, which can materially change the payment range.
Why does the New York BAH table not match my loan estimate exactly?
The table is only a planning reference. Lenders also factor in credit, debts, taxes, insurance, residual income, and whether your documented BAH on the LES was grossed up, so the final estimate can differ from the chart.

How to Use New York BAH Rates for a VA Loan

  • Pick the right table: Start with the New York market that matches your duty station or likely purchase area, then match your rank and dependency status before estimating any payment.
  • Turn BAH into PITI target plus cushion: Use BAH as the first pass for principal, interest, taxes, and insurance, then leave room for utilities, HOA dues, repairs, and ordinary monthly variance.
  • Verify lender treatment using LES and gross up: Ask how the lender is counting tax free BAH from your LES, whether it is grossed up, and how that changes your real qualifying range.
  • Use same assumptions when shopping lenders: Keep purchase price, taxes, insurance, credit band, and occupancy plan the same so you can judge lender treatment instead of comparing mismatched scenarios.

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New York Housing Costs & BAH Impact

New York is home to one of the widest housing cost ranges in the country. In upstate areas like Watertown or Syracuse, BAH easily covers rent and utilities. However, in New York City, Long Island, and Westchester County, service members may face out-of-pocket housing costs even with BAH. In 2026, increases were highest in downstate ZIPs to reflect market growth in Manhattan and surrounding suburbs.

BALLSTON SPA/ALBANY, NY BAH Rates

Grade With Dependents Without Dependents
E01 $2,388 $1,974
E02 $2,388 $1,974
E03 $2,388 $1,974
E04 $2,388 $1,974
E05 $2,634 $2,073
E06 $2,862 $2,166
E07 $2,997 $2,397
E08 $3,144 $2,685
E09 $3,327 $2,745
W01 $2,880 $2,310
W02 $3,057 $2,682
W03 $3,240 $2,754
W04 $3,357 $2,886
W05 $3,504 $3,030
O01E $3,021 $2,631
O02E $3,213 $2,730
O03E $3,381 $2,850
O01 $2,670 $2,139
O02 $2,859 $2,556
O03 $3,234 $2,775
O04 $3,549 $3,000
O05 $3,777 $3,081
O06 $3,807 $3,219
O07 $3,834 $3,276

BAH for BALLSTON SPA/ALBANY, NY includes the following zip codes: 12007, 12008, 12009, 12018, 12019, 12020, 12022, 12023, 12024, 12027, 12033, 12040, 12041, 12045, 12046, 12047, 12052, 12053, 12054, 12055, 12056, 12057, 12059, 12061, 12062, 12063, 12065, 12067, 12074, 12077, 12082, 12084, 12085, 12089, 12090, 12094, 12107, 12110, 12118, 12120, 12121, 12123, 12128, 12133, 12137, 12138, 12140, 12141, 12143, 12144, 12147, 12148, 12150, 12151, 12153, 12154, 12156, 12158, 12159, 12161, 12168, 12169, 12170, 12180, 12181, 12182, 12183, 12185, 12186, 12188, 12189, 12193, 12196, 12198, 12201, 12202, 12203, 12204, 12205, 12206, 12207, 12208, 12209, 12210, 12211, 12212, 12214, 12220, 12222, 12223, 12224, 12225, 12226, 12227, 12228, 12229, 12230, 12231, 12232, 12233, 12234, 12235, 12236, 12237, 12238, 12239, 12240, 12241, 12242, 12243, 12244, 12245, 12246, 12247, 12248, 12249, 12250, 12255, 12257, 12260, 12261, 12288, 12301, 12302, 12303, 12304, 12305, 12306, 12307, 12308, 12309, 12325, 12345, 12469, 12803, 12822, 12831, 12833, 12835, 12850, 12859, 12863, 12866, 12871, 12884

BUFFALO, NY BAH Rates

Grade With Dependents Without Dependents
E01 $2,055 $1,623
E02 $2,055 $1,623
E03 $2,055 $1,623
E04 $2,055 $1,623
E05 $2,214 $1,791
E06 $2,553 $1,914
E07 $2,631 $2,058
E08 $2,718 $2,289
E09 $2,862 $2,382
W01 $2,571 $2,010
W02 $2,667 $2,286
W03 $2,775 $2,394
W04 $2,895 $2,565
W05 $3,045 $2,652
O01E $2,646 $2,211
O02E $2,757 $2,361
O03E $2,919 $2,544
O01 $2,262 $1,890
O02 $2,550 $2,166
O03 $2,772 $2,427
O04 $3,093 $2,631
O05 $3,324 $2,676
O06 $3,351 $2,754
O07 $3,372 $2,802

BAH for BUFFALO, NY includes the following zip codes: 14001, 14004, 14006, 14008, 14010, 14012, 14025, 14026, 14027, 14028, 14030, 14031, 14032, 14033, 14034, 14035, 14038, 14043, 14047, 14051, 14052, 14055, 14057, 14059, 14061, 14067, 14068, 14069, 14072, 14075, 14080, 14085, 14086, 14091, 14092, 14094, 14095, 14102, 14105, 14107, 14108, 14109, 14110, 14111, 14112, 14120, 14126, 14127, 14131, 14132, 14134, 14139, 14140, 14141, 14144, 14150, 14151, 14169, 14170, 14172, 14174, 14201, 14202, 14203, 14204, 14205, 14206, 14207, 14208, 14209, 14210, 14211, 14212, 14213, 14214, 14215, 14216, 14217, 14218, 14219, 14220, 14221, 14222, 14223, 14224, 14225, 14226, 14227, 14228, 14231, 14233, 14240, 14241, 14260, 14261, 14263, 14264, 14265, 14267, 14269, 14270, 14272, 14273, 14276, 14280, 14301, 14302, 14303, 14304, 14305

 

 

 

2026 Basic Allowance for Housing (BAH) Rates in New York

Here are the local Basic Allowance for Housing (BAH) rate charts for Military Housing Areas (MHAs) in the state of New York. The Department of Defense determines BAH rates by location, pay grade (rank), and can be used to rent or purchase a home.

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BALLSTON SPA/ALBANY, NY BAH Rates

Grade With Dependents Without Dependents
E01 $2,388 $1,974
E02 $2,388 $1,974
E03 $2,388 $1,974
E04 $2,388 $1,974
E05 $2,634 $2,073
E06 $2,862 $2,166
E07 $2,997 $2,397
E08 $3,144 $2,685
E09 $3,327 $2,745
W01 $2,880 $2,310
W02 $3,057 $2,682
W03 $3,240 $2,754
W04 $3,357 $2,886
W05 $3,504 $3,030
O01E $3,021 $2,631
O02E $3,213 $2,730
O03E $3,381 $2,850
O01 $2,670 $2,139
O02 $2,859 $2,556
O03 $3,234 $2,775
O04 $3,549 $3,000
O05 $3,777 $3,081
O06 $3,807 $3,219
O07 $3,834 $3,276

BAH for BALLSTON SPA/ALBANY, NY includes the following zip codes: 12007, 12008, 12009, 12018, 12019, 12020, 12022, 12023, 12024, 12027, 12033, 12040, 12041, 12045, 12046, 12047, 12052, 12053, 12054, 12055, 12056, 12057, 12059, 12061, 12062, 12063, 12065, 12067, 12074, 12077, 12082, 12084, 12085, 12089, 12090, 12094, 12107, 12110, 12118, 12120, 12121, 12123, 12128, 12133, 12137, 12138, 12140, 12141, 12143, 12144, 12147, 12148, 12150, 12151, 12153, 12154, 12156, 12158, 12159, 12161, 12168, 12169, 12170, 12180, 12181, 12182, 12183, 12185, 12186, 12188, 12189, 12193, 12196, 12198, 12201, 12202, 12203, 12204, 12205, 12206, 12207, 12208, 12209, 12210, 12211, 12212, 12214, 12220, 12222, 12223, 12224, 12225, 12226, 12227, 12228, 12229, 12230, 12231, 12232, 12233, 12234, 12235, 12236, 12237, 12238, 12239, 12240, 12241, 12242, 12243, 12244, 12245, 12246, 12247, 12248, 12249, 12250, 12255, 12257, 12260, 12261, 12288, 12301, 12302, 12303, 12304, 12305, 12306, 12307, 12308, 12309, 12325, 12345, 12469, 12803, 12822, 12831, 12833, 12835, 12850, 12859, 12863, 12866, 12871, 12884

BUFFALO, NY BAH Rates

Grade With Dependents Without Dependents
E01 $2,055 $1,623
E02 $2,055 $1,623
E03 $2,055 $1,623
E04 $2,055 $1,623
E05 $2,214 $1,791
E06 $2,553 $1,914
E07 $2,631 $2,058
E08 $2,718 $2,289
E09 $2,862 $2,382
W01 $2,571 $2,010
W02 $2,667 $2,286
W03 $2,775 $2,394
W04 $2,895 $2,565
W05 $3,045 $2,652
O01E $2,646 $2,211
O02E $2,757 $2,361
O03E $2,919 $2,544
O01 $2,262 $1,890
O02 $2,550 $2,166
O03 $2,772 $2,427
O04 $3,093 $2,631
O05 $3,324 $2,676
O06 $3,351 $2,754
O07 $3,372 $2,802

BAH for BUFFALO, NY includes the following zip codes: 14001, 14004, 14006, 14008, 14010, 14012, 14025, 14026, 14027, 14028, 14030, 14031, 14032, 14033, 14034, 14035, 14038, 14043, 14047, 14051, 14052, 14055, 14057, 14059, 14061, 14067, 14068, 14069, 14072, 14075, 14080, 14085, 14086, 14091, 14092, 14094, 14095, 14102, 14105, 14107, 14108, 14109, 14110, 14111, 14112, 14120, 14126, 14127, 14131, 14132, 14134, 14139, 14140, 14141, 14144, 14150, 14151, 14169, 14170, 14172, 14174, 14201, 14202, 14203, 14204, 14205, 14206, 14207, 14208, 14209, 14210, 14211, 14212, 14213, 14214, 14215, 14216, 14217, 14218, 14219, 14220, 14221, 14222, 14223, 14224, 14225, 14226, 14227, 14228, 14231, 14233, 14240, 14241, 14260, 14261, 14263, 14264, 14265, 14267, 14269, 14270, 14272, 14273, 14276, 14280, 14301, 14302, 14303, 14304, 14305

 

 

 

2026 Basic Allowance for Housing (BAH) Rates in New York

Here are the local Basic Allowance for Housing (BAH) rate charts for Military Housing Areas (MHAs) in the state of New York. The Department of Defense determines BAH rates by location, pay grade (rank), and can be used to rent or purchase a home.

NEW YORK CITY, NY BAH Rates

Grade With Dependents Without Dependents
E01 $5,067 $4,833
E02 $5,067 $4,833
E03 $5,067 $4,833
E04 $5,067 $4,833
E05 $5,070 $4,980
E06 $5,097 $5,070
E07 $5,238 $5,088
E08 $5,418 $5,100
E09 $5,790 $5,106
W01 $5,100 $5,085
W02 $5,313 $5,097
W03 $5,535 $5,109
W04 $5,883 $5,118
W05 $6,306 $5,280
O01E $5,271 $5,094
O02E $5,502 $5,103
O03E $5,949 $5,115
O01 $5,073 $5,067
O02 $5,094 $5,091
O03 $5,529 $5,112
O04 $6,459 $5,247
O05 $7,128 $5,346
O06 $7,194 $5,514
O07 $7,254 $5,616

BAH for NEW YORK CITY, NY includes the following zip codes: [Zip codes listed in the prompt]

ROCHESTER, NY BAH Rates

Grade With Dependents Without Dependents
E01 $1,941 $1,455
E02 $1,941 $1,455
E03 $1,941 $1,455
E04 $1,941 $1,455
E05 $2,214 $1,662
E06 $2,517 $1,887
E07 $2,604 $1,953
E08 $2,697 $2,280
E09 $2,832 $2,364
W01 $2,535 $1,902
W02 $2,643 $2,277
W03 $2,760 $2,376
W04 $2,859 $2,532
W05 $2,988 $2,625
O01E $2,619 $2,211
O02E $2,739 $2,343
O03E $2,880 $2,508
O01 $2,259 $1,695
O02 $2,514 $2,127
O03 $2,757 $2,403
O04 $3,027 $2,601
O05 $3,222 $2,652
O06 $3,249 $2,736
O07 $3,270 $2,784

BAH for ROCHESTER, NY includes the following zip codes: [Zip codes listed in the prompt]

Rome/Griffiss AFB, NY BAH Rates

Grade With Dependents Without Dependents
E01 $1,914 $1,437
E02 $1,914 $1,437
E03 $1,914 $1,437
E04 $1,914 $1,437
E05 $2,118 $1,590
E06 $2,721 $2,040
E07 $2,781 $2,085
E08 $2,841 $2,241
E09 $2,931 $2,421
W01 $2,742 $2,058
W02 $2,808 $2,238
W03 $2,886 $2,442
W04 $2,952 $2,733
W05 $3,042 $2,796
O01E $2,787 $2,115
O02E $2,874 $2,379
O03E $2,964 $2,715
O01 $2,193 $1,704
O02 $2,715 $2,088
O03 $2,883 $2,502
O04 $3,069 $2,778
O05 $3,198 $2,808
O06 $3,225 $2,865
O07 $3,252 $2,916

BAH for Rome/Griffiss AFB, NY includes the following zip codes: 13054, 13123, 13157, … 13599

Syracuse, NY BAH Rates

Grade With Dependents Without Dependents
E01 $1,797 $1,386
E02 $1,797 $1,386
E03 $1,797 $1,386
E04 $1,797 $1,386
E05 $2,004 $1,509
E06 $2,178 $1,629
E07 $2,379 $1,803
E08 $2,595 $2,043
E09 $2,790 $2,094
W01 $2,196 $1,734
W02 $2,469 $2,040
W03 $2,736 $2,097
W04 $2,814 $2,220
W05 $2,910 $2,427
O01E $2,415 $2,001
O02E $2,700 $2,073
O03E $2,826 $2,166
O01 $2,031 $1,587
O02 $2,175 $1,938
O03 $2,727 $2,109
O04 $2,940 $2,388
O05 $3,084 $2,514
O06 $3,111 $2,718
O07 $3,132 $2,766

BAH for Syracuse, NY includes the following zip codes: 13020, 13027, … 13493

 

Fort Drum/Watertown, NY BAH Rates

Grade With Dependents Without Dependents
E01 $1,569 $1,356
E02 $1,569 $1,356
E03 $1,569 $1,356
E04 $1,569 $1,356
E05 $1,665 $1,422
E06 $1,893 $1,476
E07 $2,103 $1,578
E08 $2,331 $1,749
E09 $2,526 $1,896
W01 $1,914 $1,548
W02 $2,196 $1,713
W03 $2,478 $1,899
W04 $2,544 $1,938
W05 $2,631 $2,154
O01E $2,145 $1,662
O02E $2,436 $1,827
O03E $2,559 $1,920
O01 $1,701 $1,470
O02 $1,890 $1,638
O03 $2,469 $1,902
O04 $2,655 $2,115
O05 $2,784 $2,244
O06 $2,805 $2,457
O07 $2,823 $2,496

BAH for FORT DRUM/WATERTOWN, NY includes the following zip codes: 13305, 13312, 13325, 13327, 13343, 13345, 13367, 13368, 13404, 13433, 13473, 13489, 13601, 13602, 13603, 13605, 13606, 13607, 13608, 13611, 13612, 13615, 13616, 13618, 13619, 13620, 13622, 13624, 13626, 13627, 13628, 13631, 13632, 13634, 13636, 13637, 13638, 13640, 13641, 13643, 13648, 13650, 13651, 13656, 13657, 13659, 13661, 13665, 13671, 13673, 13674, 13675, 13679, 13682, 13685, 13691, 13692, 13693.

Westchester County, NY BAH Rates

Grade With Dependents Without Dependents
E01 $4,182 $3,138
E02 $4,182 $3,138
E03 $4,182 $3,138
E04 $4,182 $3,138
E05 $4,479 $3,606
E06 $5,367 $4,026
E07 $5,832 $4,374
E08 $6,333 $4,749
E09 $6,882 $5,163
W01 $5,400 $4,086
W02 $6,036 $4,653
W03 $6,654 $5,166
W04 $6,963 $5,478
W05 $7,338 $5,946
O01E $5,931 $4,476
O02E $6,564 $4,923
O03E $7,023 $5,361
O01 $4,587 $3,885
O02 $5,355 $4,383
O03 $6,633 $5,169
O04 $7,470 $5,874
O05 $8,064 $6,162
O06 $8,136 $6,633
O07 $8,208 $6,759

BAH for WESTCHESTER COUNTY, NY includes the following zip codes: 10501, 10502, 10503, 10504, 10505, 10506, 10507, 10509, 10510, 10511, 10512, 10514, 10516, 10517, 10518, 10519, 10520, 10521, 10522, 10523, 10524, 10526, 10527, 10528, 10530, 10532, 10533, 10535, 10536, 10537, 10538, 10540, 10541, 10542, 10543, 10545, 10546, 10547, 10548, 10549, 10550, 10551, 10552, 10553, 10560, 10562, 10566, 10567, 10570, 10573, 10576, 10577, 10578, 10579, 10580, 10583, 10587, 10588, 10589, 10590, 10591, 10594, 10595, 10596, 10597, 10598, 10601, 10602, 10603, 10604, 10605, 10606, 10607, 10610, 10701, 10702, 10703, 10704, 10705, 10706, 10707, 10708, 10709, 10710, 10801, 10802, 10803, 10804, 10805, 12563.

Fort Drum/Watertown, NY BAH Rates

Grade With Dependents Without Dependents
E01 $1,569 $1,356
E02 $1,569 $1,356
E03 $1,569 $1,356
E04 $1,569 $1,356
E05 $1,665 $1,422
E06 $1,893 $1,476
E07 $2,103 $1,578
E08 $2,331 $1,749
E09 $2,526 $1,896
W01 $1,914 $1,548
W02 $2,196 $1,713
W03 $2,478 $1,899
W04 $2,544 $1,938
W05 $2,631 $2,154
O01E $2,145 $1,662
O02E $2,436 $1,827
O03E $2,559 $1,920
O01 $1,701 $1,470
O02 $1,890 $1,638
O03 $2,469 $1,902
O04 $2,655 $2,115
O05 $2,784 $2,244
O06 $2,805 $2,457
O07 $2,823 $2,496

BAH for FORT DRUM/WATERTOWN, NY includes the following zip codes: 13305, 13312, 13325, 13327, 13343, 13345, 13367, 13368, 13404, 13433, 13473, 13489, 13601, 13602, 13603, 13605, 13606, 13607, 13608, 13611, 13612, 13615, 13616, 13618, 13619, 13620, 13622, 13624, 13626, 13627, 13628, 13631, 13632, 13634, 13636, 13637, 13638, 13640, 13641, 13643, 13648, 13650, 13651, 13656, 13657, 13659, 13661, 13665, 13671, 13673, 13674, 13675, 13679, 13682, 13685, 13691, 13692, 13693.

Westchester County, NY BAH Rates

Grade With Dependents Without Dependents
E01 $4,182 $3,138
E02 $4,182 $3,138
E03 $4,182 $3,138
E04 $4,182 $3,138
E05 $4,479 $3,606
E06 $5,367 $4,026
E07 $5,832 $4,374
E08 $6,333 $4,749
E09 $6,882 $5,163
W01 $5,400 $4,086
W02 $6,036 $4,653
W03 $6,654 $5,166
W04 $6,963 $5,478
W05 $7,338 $5,946
O01E $5,931 $4,476
O02E $6,564 $4,923
O03E $7,023 $5,361
O01 $4,587 $3,885
O02 $5,355 $4,383
O03 $6,633 $5,169
O04 $7,470 $5,874
O05 $8,064 $6,162
O06 $8,136 $6,633
O07 $8,208 $6,759

BAH for WESTCHESTER COUNTY, NY includes the following zip codes: 10501, 10502, 10503, 10504, 10505, 10506, 10507, 10509, 10510, 10511, 10512, 10514, 10516, 10517, 10518, 10519, 10520, 10521, 10522, 10523, 10524, 10526, 10527, 10528, 10530, 10532, 10533, 10535, 10536, 10537, 10538, 10540, 10541, 10542, 10543, 10545, 10546, 10547, 10548, 10549, 10550, 10551, 10552, 10553, 10560, 10562, 10566, 10567, 10570, 10573, 10576, 10577, 10578, 10579, 10580, 10583, 10587, 10588, 10589, 10590, 10591, 10594, 10595, 10596, 10597, 10598, 10601, 10602, 10603, 10604, 10605, 10606, 10607, 10610, 10701, 10702, 10703, 10704, 10705, 10706, 10707, 10708, 10709, 10710, 10801, 10802, 10803, 10804, 10805, 12563.

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