What is E-9 BAH at Ballston Spa in 2026?

$2,745 per month without dependents ($32,940 per year), effective 01 JAN 2026. with dependents it is $3,327 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

E-9 BAH at Ballston Spa 2026 — $2,745/mo without dependents

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

Ballston Spa/Albany, NY

E-9 · without dependents

$2,745/ month

$32,940 / year

At E-9, this is #83 of 338 stations loaded · high San Francisco $5,286 · low Anniston $1,335

MHA NY215 · ZIPs 12007 12008 12009 12018 12019 12020 +139 more

Your grade is calledARMYSGM / CSMUSMCMGySgt / SgtMajNAVYMCPOUSAFCMSgt

Untaxed — matching it with taxable pay takes$3,519 / mo gross

Other dependency status here$3,327 with dependents

In government quarters, no dependents$50.10 / mo partial

Ballston Spa — full sheetTap a row

Grade	With 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

What this rate means

E-9 without dependents, nearest stations0 – $5,286 / month

San Francisco$5,286

Outer Banks$2,772

Madison$2,769

Baltimore$2,754

Fort Pierce$2,754

Ballston Spa$2,745

Stockton$2,742

Ketchikan$2,739

JB Lewis-McChord$2,736

Patrick SFB$2,691

Anniston$1,335

Ballston Spa is #83 of 338. The spread between the dearest and cheapest station at this grade is $3,951 a month — $47,412 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

Rates flatten out at the top of each track, which is why the sheet stops at O-7.

Dependency status is worth 21% 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.

None of it is taxed. $2,745 a month of BAH takes more than $2,745 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

E-9 without dependents at Ballston Spa draws $2,745 per month in 2026

What this rate means

Things the rate table doesn't tell you