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

    W-2 with dependents at Ballston Spa draws $3,057 per month in 2026

    Permalinkbahratedesk.com/ballston-spa-albany-ny/w-2/with/ExcelCSVDownloads cover this station.
    Ballston Spa/Albany, NY
    W-2 · with dependents
    $3,057/ month
    $36,684 / year
    At W-2, this is #81 of 338 stations loaded · high Westchester County $6,036 · low Youngstown $1,560
    MHA NY215 · ZIPs 12007 12008 12009 12018 12019 12020 +139 more
    Your grade is calledARMYCW2USMCCWO2NAVYCWO2
    Untaxed — matching it with taxable pay takes$3,919 / mo gross
    Other dependency status here$2,682 without 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 · W-2 · $3,057/mo
    Aberdeen Proving Grounds$2,916/mo · $34,992/yr
    ▼ CUT−$141−$1,692/yr · like −$2,169 of salary

    What this rate means

    W-2 with dependents, every station0 – $6,036 / month
    Westchester County$6,036
    San Francisco$5,505
    New York City$5,313
    Nantucket$5,292
    Maui County$5,196
    Santa Clara County$5,094
    Northern New Jersey$5,079
    Boston$4,995
    Long Island$4,923
    Martha's Vineyard$4,821
    Hanscom AFB$4,632
    Camp Pendleton$4,536
    Florida Keys$4,485
    Kauai County$4,476
    San Diego$4,464
    Staten Island$4,395
    Monterey$4,374
    Los Angeles$4,365
    West Point$4,257
    Oakland$4,242
    Cape Cod-Plymouth$4,218
    Fort Monmouth$4,212
    Honolulu County$4,182
    Trenton$4,179
    Perth Amboy$4,161
    Essex CO$4,158
    Miami$4,131
    Ventura$4,116
    Portsmouth$4,098
    San Luis Obispo$4,089
    Seattle$4,071
    Marin$3,990
    Burlington$3,984
    Portland$3,936
    Manchester$3,897
    Washington$3,894
    Hawaii County$3,891
    Newport$3,813
    West Palm Beach$3,798
    New Haven$3,786
    Fitchburg$3,780
    Providence$3,747
    Chicago$3,729
    Vandenberg SFB$3,714
    County Cost Group 890$3,681
    Riverside$3,627
    Worcester$3,582
    Santa Fe$3,570
    Hartford$3,555
    Boulder$3,537
    Indian Head Navordsta$3,528
    Warrenton$3,528
    Vallejo$3,522
    JB McGuire-Dix-Lakehurst$3,501
    Juneau$3,471
    Atlantic City$3,465
    Willow Grove$3,429
    Everett$3,414
    San Bernardino$3,405
    County Cost Group 880$3,354
    Fort G. G. Meade$3,345
    Annapolis$3,336
    Sitka$3,336
    Quantico$3,252
    Ann Arbor$3,225
    Edwards AFB$3,213
    New London$3,195
    Brunswick$3,192
    Madison$3,171
    Fort Detrick$3,162
    Beale AFB$3,156
    Hampden County$3,153
    Austin$3,141
    County Cost Group 870$3,141
    Denver$3,135
    Cape May$3,132
    Stockton$3,132
    JB Elmendorf-Richardson$3,123
    Ketchikan$3,102
    Tampa$3,072
    Ballston Spa$3,057
    Baltimore$3,036
    Fort Myers Beach$3,027
    JB Lewis-McChord$3,024
    Kodiak Island$3,021
    Outer Banks$3,018
    Astoria$3,015
    Philadelphia$3,006
    Sacramento$3,006
    Orlando$2,988
    Eglin AFB$2,985
    Port Angeles$2,976
    County Cost Group 860$2,964
    Fort Pierce$2,958
    Milwaukee$2,955
    Traverse City$2,943
    Whidbey Island$2,934
    Aberdeen Proving Grounds$2,916
    Bridgeport$2,916
    Patrick SFB$2,913
    Oxford$2,904
    Portland$2,898
    Bremerton$2,895
    Great Lakes Navtracen$2,895
    Charlottesville$2,889
    Fresno$2,883
    County Cost Group 850$2,880
    Allentown$2,871
    Abilene$2,850
    Minneapolis$2,847
    Beaufort$2,841
    Dallas$2,835
    Rome$2,811
    Corvallis$2,793
    Coastal Maine$2,787
    County Cost Group 840$2,787
    Dover AFB$2,787
    Knoxville$2,784
    Dahlgren$2,781
    Reno$2,739
    Atlanta$2,736
    Nashville$2,730
    Asheville$2,709
    County Cost Group 830$2,709
    St. Louis$2,709
    Spokane$2,706
    Savannah$2,697
    Fairbanks$2,694
    Richmond$2,694
    Twenty Nine Palms MCB$2,688
    Detroit$2,682
    Fort Collins$2,673
    Buffalo$2,667
    Charleston$2,667
    Helena$2,661
    Patuxent River$2,661
    Rochester$2,643
    Pittsburgh$2,634
    Eugene$2,628
    Norfolk$2,628
    County Cost Group 820$2,616
    Elizabeth City$2,613
    Houston$2,610
    Syracuse$2,610
    Barstow$2,598
    Humboldt County$2,595
    Panama City$2,580
    Wilmington$2,568
    Cincinnati$2,565
    Volusia County$2,565
    Salem$2,562
    Salt Lake City$2,559
    Birmingham$2,556
    Yakima$2,550
    College Station$2,547
    Dahlonega$2,541
    Gainesville$2,532
    Fort Stewart$2,520
    Grand Haven$2,517
    Fort Carson$2,514
    County Cost Group 810$2,511
    Omaha$2,493
    Phoenix$2,481
    Carlisle Barracks$2,469
    Coos Bay$2,469
    New Orleans$2,466
    Charlotte$2,463
    Chattanooga$2,463
    Durham$2,454
    Fort Worth$2,451
    Cleveland$2,448
    Battle Creek$2,445
    Hampton$2,445
    Myrtle Beach$2,445
    State College$2,436
    Grand Rapids$2,430
    Fargo$2,427
    Columbus$2,418
    El Centro$2,418
    Ocala$2,415
    County Cost Group 800$2,400
    Provo$2,385
    Eastern Panhandle$2,370
    Lemoore NAS$2,364
    Albuquerque$2,361
    Duluth$2,361
    Eastern Shore$2,358
    Raleigh$2,355
    Corpus Christi$2,352
    Rapid City$2,349
    Memphis$2,343
    Jackson$2,340
    Cheyenne$2,334
    Louisville$2,334
    Tallahassee$2,334
    Des Moines$2,328
    Boise$2,325
    County Cost Group 790$2,325
    Fort Campbell$2,307
    Jacksonville$2,301
    Nellis AFB$2,298
    Ogden$2,295
    Bangor$2,292
    Kings Bay$2,292
    Bismarck$2,289
    Fort Knox$2,286
    Fort Leavenworth$2,268
    Rock Island$2,268
    Pensacola$2,262
    Indianapolis$2,259
    Mountain Home AFB$2,259
    County Cost Group 780$2,244
    Kansas City$2,244
    Waco$2,244
    Johnson City$2,241
    Morehead$2,241
    Bloomington$2,223
    Fort Huachuca$2,223
    Wichita Fls$2,223
    Baton Rouge$2,220
    Fayetteville$2,205
    Fort Gordon$2,205
    Marquette$2,205
    Lincoln$2,199
    Fort Drum$2,196
    Roanoke$2,193
    Toledo$2,190
    Greensboro$2,184
    County Cost Group 770$2,178
    Fort Bliss$2,178
    Lexington$2,178
    Columbia$2,175
    Fort Wayne$2,166
    Davis-Monthan AFB$2,157
    Huntsville$2,154
    Shreveport$2,151
    Greenville$2,142
    Fort Hood$2,139
    Mobile$2,139
    Auburn$2,136
    San Antonio (JBSA)$2,118
    Fort Bragg$2,112
    Scott AFB$2,109
    Grand Forks$2,106
    County Cost Group 760$2,103
    Columbus AFB$2,094
    Seymour Johnson AFB$2,094
    Whiteman AFB$2,094
    Minot AFB$2,082
    Fallon NAS$2,067
    Lexington$2,067
    Sioux Falls$2,067
    Champaign$2,058
    Lansing$2,058
    County Cost Group 750$2,055
    Malmstrom SFB$2,052
    Robins AFB$2,043
    Tulsa$2,028
    Goodfellow AFB$2,025
    Brownsville$2,022
    Camp Lejeune$2,016
    Fort Benning$2,016
    Fort Rucker$2,013
    White Sands MR$2,007
    County Cost Group 740$2,001
    Sumter$2,001
    Wilkes-Barre$1,986
    Frankfort$1,983
    Wright-Patterson AFB$1,977
    Morgantown$1,974
    China Lake$1,968
    County Cost Group 730$1,968
    Topeka$1,968
    Little Rock$1,965
    Moody AFB$1,962
    Akron$1,956
    Paducah$1,956
    Peoria$1,953
    Yuma$1,950
    Beaumont$1,947
    Sault Ste Marie$1,947
    County Cost Group 720$1,944
    Lafayette$1,944
    Springfield$1,932
    Laughlin AFB$1,923
    County Cost Group 710$1,920
    Springfield$1,917
    Terre Haute$1,917
    Oklahoma City$1,914
    County Cost Group 700$1,902
    Lubbock$1,902
    Holloman AFB$1,896
    County Cost Group 690$1,887
    Fort Polk$1,887
    Sparta$1,887
    Columbia$1,884
    Fort Leonard Wood$1,884
    County Cost Group 680$1,875
    Fort Riley$1,872
    County Cost Group 670$1,863
    County Cost Group 660$1,851
    Huntington$1,848
    Montgomery$1,845
    County Cost Group 650$1,842
    Gulfport$1,836
    St Mary And Terrebonne$1,836
    County Cost Group 640$1,833
    County Cost Group 630$1,827
    Fort Chaffee$1,827
    Alexandria$1,821
    Wichita$1,821
    County Cost Group 620$1,818
    Charleston$1,812
    County Cost Group 610$1,809
    Lake Charles$1,809
    County Cost Group 600$1,803
    Saginaw$1,797
    County Cost Group 590$1,791
    County Cost Group 580$1,779
    Erie$1,779
    County Cost Group 570$1,764
    Meridian$1,758
    County Cost Group 560$1,755
    County Cost Group 550$1,746
    Cannon AFB$1,740
    County Cost Group 540$1,737
    Stevens Point$1,737
    Albany$1,731
    County Cost Group 530$1,731
    County Cost Group 520$1,725
    County Cost Group 510$1,722
    Altus AFB$1,704
    Hattiesburg$1,701
    Monroe$1,680
    Vance AFB$1,671
    Fort Sill$1,632
    Anniston$1,590
    Youngstown$1,560

    Ballston Spa is #81 of 338. The spread between the dearest and cheapest station at this grade is $4,476 a month — $53,712 a year, untaxed.

    Every pay grade at Ballston Spa0 – $3,834 / month
    E-1$2,388
    E-2$2,388
    E-3$2,388
    E-4$2,388
    E-5$2,634
    E-6$2,862
    E-7$2,997
    E-8$3,144
    E-9$3,327
    W-1$2,880
    W-2$3,057
    W-3$3,240
    W-4$3,357
    W-5$3,504
    O-1E$3,021
    O-2E$3,213
    O-3E$3,381
    O-1$2,670
    O-2$2,859
    O-3$3,234
    O-4$3,549
    O-5$3,777
    O-6$3,807
    O-7$3,834

    Promoting to W-3 here adds $183 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 Westchester County at W-2 is worth $2,979 a month — about 16 promotions worth of housing allowance, at $183 per grade here.

    02

    Dependency status is worth 14% 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. $3,057 a month of BAH takes more than $3,057 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.