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

Press Enter to look it up.

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
With $1,665 Without $1,422

E-5 at Fort Drum draws $1,665 per month with dependents in 2026, $1,422 without

Permalink bahratedesk.com/fort-drum/ Excel CSV
Fort Drum/Watertown, NY
E-5 · with dependents
$1,665/ month
$19,980 / year
At E-5, this is #246 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA NY225 · ZIPs 13305 13312 13325 13327 13343 13345 +52 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,135 / mo gross
Without dependents here $1,422 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Fort Drum · E-5 · $1,665/mo
Fort Drum $1,665/mo · $19,980/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Fort Drum — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,569 $1,356
E-2 $1,569 $1,356
E-3 $1,569 $1,356
E-4 $1,569 $1,356
E-5 $1,665 $1,422
E-6 $1,893 $1,476
E-7 $2,103 $1,578
E-8 $2,331 $1,749
E-9 $2,526 $1,896
Warrant officer
W-1 $1,914 $1,548
W-2 $2,196 $1,713
W-3 $2,478 $1,899
W-4 $2,544 $1,938
W-5 $2,631 $2,154
Officer — prior enlisted
O-1E $2,145 $1,662
O-2E $2,436 $1,827
O-3E $2,559 $1,920
Officer
O-1 $1,701 $1,470
O-2 $1,890 $1,638
O-3 $2,469 $1,902
O-4 $2,655 $2,115
O-5 $2,784 $2,244
O-6 $2,805 $2,457
O-7 $2,823 $2,496

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Grand Forks $1,731
Fort Huachuca $1,719
Fort Benning $1,716
Auburn $1,707
Fargo $1,707
White Sands MR $1,701
Fort Hood $1,695
Yuma $1,695
County Cost Group 760 $1,686
Montgomery $1,683
Fort Drum $1,665
Cheyenne $1,653
Wright-Patterson AFB $1,650
Fort Knox $1,647
Oklahoma City $1,644
Morgantown $1,641
County Cost Group 750 $1,638
Tulsa $1,638
Topeka $1,626
St Mary And Terrebonne $1,620
Whiteman AFB $1,611
Anniston $1,185

Fort Drum is #246 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Fort Drum0 – $2,823 / month
E-1 $1,569
E-2 $1,569
E-3 $1,569
E-4 $1,569
E-5 $1,665
E-6 $1,893
E-7 $2,103
E-8 $2,331
E-9 $2,526
W-1 $1,914
W-2 $2,196
W-3 $2,478
W-4 $2,544
W-5 $2,631
O-1E $2,145
O-2E $2,436
O-3E $2,559
O-1 $1,701
O-2 $1,890
O-3 $2,469
O-4 $2,655
O-5 $2,784
O-6 $2,805
O-7 $2,823

The pay chart moves this allowance far less than the map does.

Moving from Fort Drum to San Francisco at E-5 is worth $3,462 a month — about 15 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.