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2026 BAH Rates in New York – Military Housing by ZIP Code

The 2026 Basic Allowance for Housing (BAH) rates in New York are now in effect. These tax-free monthly payments help active-duty service members afford off-base housing in one of the most diverse and high-cost housing states in the U.S. Whether you’re stationed at Fort Drum, West Point, or assigned to duty in the NYC metro area, your ZIP-based BAH rates are outlined below.

New York saw some of the largest BAH increases in 2026 — particularly in Manhattan, Long Island, and areas surrounding West Point. View national patterns via our 2026 BAH trends page, or explore your purchase options using our New York VA loan guide.

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What Is BAH and Who Receives It in New York?

BAH is a monthly, non-taxable stipend that helps military members living off base cover their housing expenses. In New York, this applies to personnel assigned to Fort Drum (Watertown), West Point (Highland Falls), and a variety of duty stations throughout New York City and Long Island.

How New York BAH Is Calculated

  • ZIP Code: Rates vary greatly between areas like 13602 (Fort Drum), 10996 (West Point), and 10001 (NYC).
  • Rank: Higher ranks receive larger allowances to account for increased housing needs.
  • Dependents: Service members with dependents qualify for higher BAH than single members.

How to Read the BAH Chart

  • Locate your ZIP code or base area
  • Select your military pay grade
  • View your monthly rate based on dependent status

How to Use Your BAH to Purchase a Home in New York

Many military families across New York use their BAH as mortgage support through the VA loan program. Whether you’re based at Fort Drum, commuting to a NYC-area command, or stationed at West Point, your BAH can help you build equity instead of renting.

Why New York Military Buyers Use VA Loans:

With strong appreciation in both upstate and downstate areas, using BAH to buy in New York may be one of the best long-term financial decisions for military families.

Apply now to use your BAH toward homeownership

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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