2025 BAH Rates in New York – Military Housing by ZIP Code
The 2025 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 2025 — particularly in Manhattan, Long Island, and areas surrounding West Point. View national patterns via our 2025 BAH trends page, or explore your purchase options using our New York VA loan guide.
See how much home your BAH can buy in New York
View BAH Rates in:
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:
- No down payment required for most purchases
- No private mortgage insurance (PMI)
- Flexible credit standards available
- Lower-than-average interest rates for qualified VA buyers
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.
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 2025, 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 | $2,259 | $1,854 |
| E02 | $2,259 | $1,854 |
| E03 | $2,259 | $1,854 |
| E04 | $2,259 | $1,854 |
| E05 | $2,460 | $1,980 |
| E06 | $2,667 | $2,076 |
| E07 | $2,781 | $2,265 |
| E08 | $2,901 | $2,508 |
| E09 | $3,063 | $2,556 |
| W01 | $2,682 | $2,199 |
| W02 | $2,829 | $2,505 |
| W03 | $2,982 | $2,568 |
| W04 | $3,096 | $2,685 |
| W05 | $3,234 | $2,808 |
| O01E | $2,796 | $2,457 |
| O02E | $2,961 | $2,544 |
| O03E | $3,114 | $2,655 |
| O01 | $2,493 | $2,055 |
| O02 | $2,664 | $2,397 |
| O03 | $2,979 | $2,589 |
| O04 | $3,279 | $2,781 |
| O05 | $3,489 | $2,850 |
| O06 | $3,519 | $2,964 |
| O07 | $3,549 | $3,018 |
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 | $1,887 | $1,479 |
| E02 | $1,887 | $1,479 |
| E03 | $1,887 | $1,479 |
| E04 | $1,887 | $1,479 |
| E05 | $2,046 | $1,632 |
| E06 | $2,391 | $1,791 |
| E07 | $2,463 | $1,890 |
| E08 | $2,541 | $2,121 |
| E09 | $2,667 | $2,214 |
| W01 | $2,409 | $1,842 |
| W02 | $2,496 | $2,118 |
| W03 | $2,595 | $2,229 |
| W04 | $2,700 | $2,403 |
| W05 | $2,829 | $2,481 |
| O01E | $2,472 | $2,043 |
| O02E | $2,580 | $2,193 |
| O03E | $2,718 | $2,382 |
| O01 | $2,094 | $1,722 |
| O02 | $2,388 | $1,998 |
| O03 | $2,592 | $2,265 |
| O04 | $2,871 | $2,460 |
| O05 | $3,069 | $2,502 |
| O06 | $3,096 | $2,574 |
| O07 | $3,120 | $2,619 |
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
2025 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 | $2,259 | $1,854 |
| E02 | $2,259 | $1,854 |
| E03 | $2,259 | $1,854 |
| E04 | $2,259 | $1,854 |
| E05 | $2,460 | $1,980 |
| E06 | $2,667 | $2,076 |
| E07 | $2,781 | $2,265 |
| E08 | $2,901 | $2,508 |
| E09 | $3,063 | $2,556 |
| W01 | $2,682 | $2,199 |
| W02 | $2,829 | $2,505 |
| W03 | $2,982 | $2,568 |
| W04 | $3,096 | $2,685 |
| W05 | $3,234 | $2,808 |
| O01E | $2,796 | $2,457 |
| O02E | $2,961 | $2,544 |
| O03E | $3,114 | $2,655 |
| O01 | $2,493 | $2,055 |
| O02 | $2,664 | $2,397 |
| O03 | $2,979 | $2,589 |
| O04 | $3,279 | $2,781 |
| O05 | $3,489 | $2,850 |
| O06 | $3,519 | $2,964 |
| O07 | $3,549 | $3,018 |
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 | $1,887 | $1,479 |
| E02 | $1,887 | $1,479 |
| E03 | $1,887 | $1,479 |
| E04 | $1,887 | $1,479 |
| E05 | $2,046 | $1,632 |
| E06 | $2,391 | $1,791 |
| E07 | $2,463 | $1,890 |
| E08 | $2,541 | $2,121 |
| E09 | $2,667 | $2,214 |
| W01 | $2,409 | $1,842 |
| W02 | $2,496 | $2,118 |
| W03 | $2,595 | $2,229 |
| W04 | $2,700 | $2,403 |
| W05 | $2,829 | $2,481 |
| O01E | $2,472 | $2,043 |
| O02E | $2,580 | $2,193 |
| O03E | $2,718 | $2,382 |
| O01 | $2,094 | $1,722 |
| O02 | $2,388 | $1,998 |
| O03 | $2,592 | $2,265 |
| O04 | $2,871 | $2,460 |
| O05 | $3,069 | $2,502 |
| O06 | $3,096 | $2,574 |
| O07 | $3,120 | $2,619 |
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
2025 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 | $5,070 | $4,197 |
| E02 | $5,070 | $4,197 |
| E03 | $5,070 | $4,197 |
| E04 | $5,070 | $4,197 |
| E05 | $5,073 | $4,770 |
| E06 | $5,100 | $5,073 |
| E07 | $5,163 | $5,091 |
| E08 | $5,253 | $5,103 |
| E09 | $5,529 | $5,109 |
| W01 | $5,103 | $5,088 |
| W02 | $5,199 | $5,100 |
| W03 | $5,313 | $5,112 |
| W04 | $5,613 | $5,121 |
| W05 | $5,973 | $5,184 |
| O01E | $5,175 | $5,097 |
| O02E | $5,298 | $5,106 |
| O03E | $5,664 | $5,118 |
| O01 | $5,076 | $5,070 |
| O02 | $5,097 | $5,094 |
| O03 | $5,310 | $5,115 |
| O04 | $6,102 | $5,163 |
| O05 | $6,669 | $5,211 |
| O06 | $6,732 | $5,292 |
| O07 | $6,792 | $5,394 |
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 | $1,830 | $1,374 |
| E02 | $1,830 | $1,374 |
| E03 | $1,830 | $1,374 |
| E04 | $1,830 | $1,374 |
| E05 | $2,079 | $1,560 |
| E06 | $2,337 | $1,752 |
| E07 | $2,415 | $1,839 |
| E08 | $2,499 | $2,136 |
| E09 | $2,628 | $2,202 |
| W01 | $2,355 | $1,767 |
| W02 | $2,451 | $2,133 |
| W03 | $2,556 | $2,214 |
| W04 | $2,658 | $2,349 |
| W05 | $2,781 | $2,436 |
| O01E | $2,427 | $2,076 |
| O02E | $2,541 | $2,187 |
| O03E | $2,673 | $2,328 |
| O01 | $2,118 | $1,590 |
| O02 | $2,334 | $1,998 |
| O03 | $2,553 | $2,241 |
| O04 | $2,823 | $2,415 |
| O05 | $3,009 | $2,460 |
| O06 | $3,036 | $2,538 |
| O07 | $3,060 | $2,583 |
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 | $1,494 | $1,194 |
| E02 | $1,494 | $1,194 |
| E03 | $1,494 | $1,194 |
| E04 | $1,494 | $1,194 |
| E05 | $1,581 | $1,323 |
| E06 | $1,800 | $1,404 |
| E07 | $2,019 | $1,515 |
| E08 | $2,256 | $1,692 |
| E09 | $2,448 | $1,836 |
| W01 | $1,821 | $1,476 |
| W02 | $2,118 | $1,629 |
| W03 | $2,409 | $1,839 |
| W04 | $2,463 | $1,857 |
| W05 | $2,535 | $2,073 |
| O01E | $2,061 | $1,578 |
| O02E | $2,367 | $1,776 |
| O03E | $2,472 | $1,854 |
| O01 | $1,617 | $1,401 |
| O02 | $1,797 | $1,557 |
| O03 | $2,400 | $1,842 |
| O04 | $2,553 | $2,031 |
| O05 | $2,652 | $2,169 |
| O06 | $2,673 | $2,391 |
| O07 | $2,694 | $2,433 |
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 | $3,921 | $2,955 |
| E02 | $3,921 | $2,955 |
| E03 | $3,921 | $2,955 |
| E04 | $3,921 | $2,955 |
| E05 | $4,107 | $3,465 |
| E06 | $5,127 | $3,846 |
| E07 | $5,472 | $4,104 |
| E08 | $5,838 | $4,380 |
| E09 | $6,303 | $4,728 |
| W01 | $5,157 | $3,867 |
| W02 | $5,622 | $4,305 |
| W03 | $6,078 | $4,731 |
| W04 | $6,390 | $5,208 |
| W05 | $6,765 | $5,556 |
| O01E | $5,541 | $4,155 |
| O02E | $6,012 | $4,554 |
| O03E | $6,447 | $5,121 |
| O01 | $4,230 | $3,732 |
| O02 | $5,112 | $4,107 |
| O03 | $6,060 | $4,758 |
| O04 | $6,900 | $5,499 |
| O05 | $7,494 | $5,712 |
| O06 | $7,563 | $6,060 |
| O07 | $7,632 | $6,174 |
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 | $1,494 | $1,194 |
| E02 | $1,494 | $1,194 |
| E03 | $1,494 | $1,194 |
| E04 | $1,494 | $1,194 |
| E05 | $1,581 | $1,323 |
| E06 | $1,800 | $1,404 |
| E07 | $2,019 | $1,515 |
| E08 | $2,256 | $1,692 |
| E09 | $2,448 | $1,836 |
| W01 | $1,821 | $1,476 |
| W02 | $2,118 | $1,629 |
| W03 | $2,409 | $1,839 |
| W04 | $2,463 | $1,857 |
| W05 | $2,535 | $2,073 |
| O01E | $2,061 | $1,578 |
| O02E | $2,367 | $1,776 |
| O03E | $2,472 | $1,854 |
| O01 | $1,617 | $1,401 |
| O02 | $1,797 | $1,557 |
| O03 | $2,400 | $1,842 |
| O04 | $2,553 | $2,031 |
| O05 | $2,652 | $2,169 |
| O06 | $2,673 | $2,391 |
| O07 | $2,694 | $2,433 |
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 | $3,921 | $2,955 |
| E02 | $3,921 | $2,955 |
| E03 | $3,921 | $2,955 |
| E04 | $3,921 | $2,955 |
| E05 | $4,107 | $3,465 |
| E06 | $5,127 | $3,846 |
| E07 | $5,472 | $4,104 |
| E08 | $5,838 | $4,380 |
| E09 | $6,303 | $4,728 |
| W01 | $5,157 | $3,867 |
| W02 | $5,622 | $4,305 |
| W03 | $6,078 | $4,731 |
| W04 | $6,390 | $5,208 |
| W05 | $6,765 | $5,556 |
| O01E | $5,541 | $4,155 |
| O02E | $6,012 | $4,554 |
| O03E | $6,447 | $5,121 |
| O01 | $4,230 | $3,732 |
| O02 | $5,112 | $4,107 |
| O03 | $6,060 | $4,758 |
| O04 | $6,900 | $5,499 |
| O05 | $7,494 | $5,712 |
| O06 | $7,563 | $6,060 |
| O07 | $7,632 | $6,174 |
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.
2025 BAH FAQs for New York
How much did BAH increase in New York for 2025?
On average, BAH in New York rose by 6.1%. Downstate ZIPs — including NYC and Long Island — saw the most significant jumps.
Where is BAH highest in New York?
BAH is highest in ZIP codes around Manhattan, Brooklyn, and the Hudson Valley suburbs — including West Point (10996).
What is the BAH for an E-5 with dependents at Fort Drum?
In 2025, an E-5 with dependents at Fort Drum receives approximately $2,049/month.
Does BAH fully cover rent in New York?
Yes, in many upstate and central ZIPs. In high-cost areas like New York City, BAH may not fully cover rent, especially for larger families or high-rent neighborhoods.
Is BAH considered taxable income in New York?
No. BAH is exempt from both federal and New York state income tax.
Can BAH be used to qualify for a mortgage?
Yes. VA-approved lenders recognize BAH as recurring income and include it when calculating your eligibility.
What ZIP code is used for West Point?
West Point BAH is based on ZIP code 10996, which reflects the local rental market near Highland Falls.
When are BAH rates updated?
BAH rates are reviewed and adjusted annually by the Department of Defense. Updates go into effect every January.
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