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-4 with dependents at Ballston Spa draws $3,357 per month in 2026

    Permalinkbahratedesk.com/ballston-spa-albany-ny/w-4/with/ExcelCSVDownloads cover this station.
    Ballston Spa/Albany, NY
    W-4 · with dependents
    $3,357/ month
    $40,284 / year
    At W-4, this is #79 of 338 stations loaded · high Westchester County $6,963 · low Stevens Point $1,779
    MHA NY215 · ZIPs 12007 12008 12009 12018 12019 12020 +139 more
    Your grade is calledARMYCW4USMCCWO4NAVYCWO4
    Untaxed — matching it with taxable pay takes$4,304 / mo gross
    Other dependency status here$2,886 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-4 · $3,357/mo
    Aberdeen Proving Grounds$3,198/mo · $38,376/yr
    ▼ CUT−$159−$1,908/yr · like −$2,446 of salary

    What this rate means

    W-4 with dependents, nearest stations0 – $6,963 / month
    Westchester County$6,963
    County Cost Group 870$3,408
    Edwards AFB$3,390
    Fort Detrick$3,375
    Cape May$3,360
    Ballston Spa$3,357
    Milwaukee$3,336
    Kodiak Island$3,321
    Astoria$3,318
    Denver$3,288
    Stevens Point$1,779

    Ballston Spa is #79 of 338. The spread between the dearest and cheapest station at this grade is $5,184 a month — $62,208 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-5 here adds $147 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-4 is worth $3,606 a month — about 25 promotions worth of housing allowance, at $147 per grade here.

    02

    Dependency status is worth 16% 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. $3,357 a month of BAH takes more than $3,357 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.