BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA
    Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.
    Or type your rank
    Enlisted
    E-1E-2E-3E-4E-5E-6E-7E-8E-9
    Warrant
    W-1W-2W-3W-4W-5
    Prior enl.
    O-1EO-2EO-3E
    Officer
    O-1O-2O-3O-4O-5O-6O-7
    Dependents
    WithWithout

    E-5 without dependents at Ballston Spa draws $2,073 per month in 2026

    Permalinkbahratedesk.com/ballston-spa-albany-ny/e-5/without/ExcelCSVDownloads cover this station.
    Ballston Spa/Albany, NY
    E-5 · without dependents
    $2,073/ month
    $24,876 / year
    At E-5, this is #89 of 338 stations loaded · high New York City $4,980 · low Fort Chaffee $996
    MHA NY215 · ZIPs 12007 12008 12009 12018 12019 12020 +139 more
    Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt
    Untaxed — matching it with taxable pay takes$2,658 / mo gross
    Other dependency status here$2,634 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Ballston Spa — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,388$1,974
    E-2$2,388$1,974
    E-3$2,388$1,974
    E-4$2,388$1,974
    E-5$2,634$2,073
    E-6$2,862$2,166
    E-7$2,997$2,397
    E-8$3,144$2,685
    E-9$3,327$2,745
    Warrant officer
    W-1$2,880$2,310
    W-2$3,057$2,682
    W-3$3,240$2,754
    W-4$3,357$2,886
    W-5$3,504$3,030
    Officer — prior enlisted
    O-1E$3,021$2,631
    O-2E$3,213$2,730
    O-3E$3,381$2,850
    Officer
    O-1$2,670$2,139
    O-2$2,859$2,556
    O-3$3,234$2,775
    O-4$3,549$3,000
    O-5$3,777$3,081
    O-6$3,807$3,219
    O-7$3,834$3,276
    PCS compareBallston Spa · E-5 · $2,073/mo
    Aberdeen Proving Grounds$1,986/mo · $23,832/yr
    ▼ CUT−$87−$1,044/yr · like −$1,338 of salary

    What this rate means

    E-5 without dependents, nearest stations0 – $4,980 / month
    New York City$4,980
    Orlando$2,103
    Bremerton$2,091
    Philadelphia$2,091
    Baltimore$2,079
    Ballston Spa$2,073
    Patuxent River$2,040
    County Cost Group 860$2,037
    Patrick SFB$2,037
    Charlottesville$2,034
    Fort Chaffee$996

    Ballston Spa is #89 of 338. The spread between the dearest and cheapest station at this grade is $3,984 a month — $47,808 a year, untaxed.

    Every pay grade at Ballston Spa0 – $3,276 / month
    E-1$1,974
    E-2$1,974
    E-3$1,974
    E-4$1,974
    E-5$2,073
    E-6$2,166
    E-7$2,397
    E-8$2,685
    E-9$2,745
    W-1$2,310
    W-2$2,682
    W-3$2,754
    W-4$2,886
    W-5$3,030
    O-1E$2,631
    O-2E$2,730
    O-3E$2,850
    O-1$2,139
    O-2$2,556
    O-3$2,775
    O-4$3,000
    O-5$3,081
    O-6$3,219
    O-7$3,276

    Promoting to E-6 here adds $93 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Ballston Spa to New York City at E-5 is worth $2,907 a month — about 31 promotions worth of housing allowance, at $93 per grade here.

    02

    Dependency status is worth 27% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $2,073 a month of BAH takes more than $2,073 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    Things the rate table doesn't tell you

    01

    “With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

    02

    O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

    03

    This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.