Rates and VA Loan Buying Power
2026 New York BAH Rates and VA Loan Buying Power
DoD BAH lookup
DFAS pay and entitlements
VA home loan overview
CFPB Loan Estimate guide
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.
Next step:
Check Your VA Loan Eligibility
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
- Find your base in the tables below and check both with-dependents and without-dependents rates for your rank
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
- Ask your lender how they treat tax-free BAH on your LES before estimating your buying power
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
- Submit PCS orders to your lender early so they can qualify you using gaining-station BAH
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
- Gather your two most recent LES statements and any PCS orders before starting your application
Frequently Asked Questions
Can I use New York BAH to qualify for a VA loan?
Can PCS orders change which New York BAH a lender uses?
Why does the New York BAH table not match my loan estimate exactly?
Jump To Your Base
- BALLSTON SPA/ALBANY, NY — E-6 w/dep: $2,862 → ~$300,000 buying power
- BUFFALO, NY — E-6 w/dep: $2,553 → ~$265,000 buying power
- BALLSTON SPA/ALBANY, NY — E-6 w/dep: $2,862 → ~$300,000 buying power
- BUFFALO, NY — E-6 w/dep: $2,553 → ~$265,000 buying power
- NEW YORK CITY, NY — E-6 w/dep: $5,097 → ~$530,000 buying power
- ROCHESTER, NY — E-6 w/dep: $2,517 → ~$260,000 buying power
- Rome/Griffiss AFB, NY — E-6 w/dep: $2,721 → ~$285,000 buying power
- Syracuse, NY — E-6 w/dep: $2,178 → ~$225,000 buying power
- Fort Drum/Watertown, NY — E-6 w/dep: $1,893 → ~$195,000 buying power
- Westchester County, NY — E-6 w/dep: $5,367 → ~$560,000 buying power
- Fort Drum/Watertown, NY — E-6 w/dep: $1,893 → ~$195,000 buying power
- Westchester County, NY — E-6 w/dep: $5,367 → ~$560,000 buying power
The Bottom Line Up Front
New York BAH rates for 2026 range from $1,893 to $5,367 per month for an E-6 with dependents, depending on duty station. At the highest rate, that supports roughly $595,000 in VA loan buying power at current rates. Use the 12 rate tables below to find your specific station, then see what your BAH actually buys with a VA loan.
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.
Convert Your BAH to VA Buying Power
Enter your BAH and key financials. We’ll estimate a comfortable VA home price and the resulting monthly payment.
Explore More BAH Insights
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2026 Basic Allowance for Housing (BAH) Rates by City
Official 2026 tables by city and MHA -
How BAH Affects VA Loan Buying Power
How allowance converts to qualifying income and price -
Military Housing Allowance (MHA) vs. BAH
Terminology and usage across DoD and lenders -
How Dual Military Couples Combine BAH for a VA Loan
Categories, documentation, and joint approvals -
Using BAH After Active Duty for a VA Loan
Eligibility paths, timing, documentation after separation -
Top 10 Military Cities with the Highest BAH
Markets with strong allowances and typical housing costs -
BAH Reserve and Transient Rates for 2026
Reserve component and partial month quick reference -
BAH vs PITI Mortgage Coverage
Define coverage and calculate safe payment buffers -
BAH VA Loan Buy or Rent PCS
Choose ownership or leasing around PCS timelines -
BAH Gross Up VA Loan Buying Power
How lenders adjust non taxable income and DTI impact
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.
Your BAH is one piece of the income picture. When you apply for a VA loan, lenders evaluate your debt-to-income ratio and residual income alongside your housing allowance. Because BAH is tax-free, most lenders can gross it up to reflect its true purchasing power, which directly affects pre-approval amounts. Understanding how your qualifying income is calculated helps you set a realistic price range before you start shopping.
For a broader look at homebuying options and benefits in this state, see our New York VA loan guide.
What To Do Based On Your Situation
- PCS-ing to New York soon: Use the gaining station BAH with your orders to get preapproved before you arrive. Many lenders can qualify you on the new rate before you move.
- Already stationed in New York: Your BAH is already on your LES. Turn it into a PITI target and see what home price fits before you start shopping.
- Separating or retiring in New York: BAH stops when you separate, so qualify based on your post-military income. If you are buying before separation, coordinate timing carefully with your lender.
Buying power estimates assume 6.5% rate, $0 down, state average property tax and insurance rates, and 2.15% VA funding fee financed. Your actual buying power depends on credit, debts, and lender qualification.
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 |
BALLSTON SPA/ALBANY, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,634): ~$275,000 home · PITI ~$2,186/mo
- E-6 w/dep ($2,862): ~$300,000 home · PITI ~$2,375/mo
- E-7 w/dep ($2,997): ~$310,000 home · PITI ~$2,487/mo
- O-3 w/dep ($3,234): ~$335,000 home · PITI ~$2,684/mo
BALLSTON SPA/ALBANY, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,634): ~$275,000 home · PITI ~$2,186/mo
- E-6 w/dep ($2,862): ~$300,000 home · PITI ~$2,375/mo
- E-7 w/dep ($2,997): ~$310,000 home · PITI ~$2,487/mo
- O-3 w/dep ($3,234): ~$335,000 home · PITI ~$2,684/mo
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 |
BUFFALO, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,214): ~$230,000 home · PITI ~$1,837/mo
- E-6 w/dep ($2,553): ~$265,000 home · PITI ~$2,118/mo
- E-7 w/dep ($2,631): ~$275,000 home · PITI ~$2,183/mo
- O-3 w/dep ($2,772): ~$290,000 home · PITI ~$2,300/mo
BUFFALO, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,214): ~$230,000 home · PITI ~$1,837/mo
- E-6 w/dep ($2,553): ~$265,000 home · PITI ~$2,118/mo
- E-7 w/dep ($2,631): ~$275,000 home · PITI ~$2,183/mo
- O-3 w/dep ($2,772): ~$290,000 home · PITI ~$2,300/mo
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.
Jump to Section
- Ballston Spa/Albany, NY BAH Rates
- Buffalo, NY BAH Rates
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 |
NEW YORK CITY, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($5,070): ~$530,000 home · PITI ~$4,208/mo
- E-6 w/dep ($5,097): ~$530,000 home · PITI ~$4,230/mo
- E-7 w/dep ($5,238): ~$545,000 home · PITI ~$4,347/mo
- O-3 w/dep ($5,529): ~$575,000 home · PITI ~$4,589/mo
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 |
ROCHESTER, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,214): ~$230,000 home · PITI ~$1,837/mo
- E-6 w/dep ($2,517): ~$260,000 home · PITI ~$2,089/mo
- E-7 w/dep ($2,604): ~$270,000 home · PITI ~$2,161/mo
- O-3 w/dep ($2,757): ~$285,000 home · PITI ~$2,288/mo
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 |
Rome/Griffiss AFB, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,118): ~$220,000 home · PITI ~$1,757/mo
- E-6 w/dep ($2,721): ~$285,000 home · PITI ~$2,258/mo
- E-7 w/dep ($2,781): ~$290,000 home · PITI ~$2,308/mo
- O-3 w/dep ($2,883): ~$300,000 home · PITI ~$2,392/mo
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 |
Syracuse, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($2,004): ~$210,000 home · PITI ~$1,663/mo
- E-6 w/dep ($2,178): ~$225,000 home · PITI ~$1,807/mo
- E-7 w/dep ($2,379): ~$250,000 home · PITI ~$1,974/mo
- O-3 w/dep ($2,727): ~$285,000 home · PITI ~$2,263/mo
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 |
Fort Drum/Watertown, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($1,665): ~$175,000 home · PITI ~$1,381/mo
- E-6 w/dep ($1,893): ~$195,000 home · PITI ~$1,571/mo
- E-7 w/dep ($2,103): ~$220,000 home · PITI ~$1,745/mo
- O-3 w/dep ($2,469): ~$255,000 home · PITI ~$2,049/mo
Fort Drum/Watertown, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($1,665): ~$175,000 home · PITI ~$1,381/mo
- E-6 w/dep ($1,893): ~$195,000 home · PITI ~$1,571/mo
- E-7 w/dep ($2,103): ~$220,000 home · PITI ~$1,745/mo
- O-3 w/dep ($2,469): ~$255,000 home · PITI ~$2,049/mo
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 |
Westchester County, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($4,479): ~$465,000 home · PITI ~$3,717/mo
- E-6 w/dep ($5,367): ~$560,000 home · PITI ~$4,454/mo
- E-7 w/dep ($5,832): ~$610,000 home · PITI ~$4,840/mo
- O-3 w/dep ($6,633): ~$690,000 home · PITI ~$5,505/mo
Westchester County, NY — What Your BAH Can Buy
At current VA loan rates (~6.5%), here is what common ranks can target:
- E-5 w/dep ($4,479): ~$465,000 home · PITI ~$3,717/mo
- E-6 w/dep ($5,367): ~$560,000 home · PITI ~$4,454/mo
- E-7 w/dep ($5,832): ~$610,000 home · PITI ~$4,840/mo
- O-3 w/dep ($6,633): ~$690,000 home · PITI ~$5,505/mo
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.
