What is O-4 BAH at Fort Drum in 2026?

$2,655 per month with dependents ($31,860 per year), effective 01 JAN 2026. Without dependents it is $2,115 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.

O-4 BAH at Fort Drum 2026 — $2,655 with dependents, $2,115 without

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

Fort Drum/Watertown, NY

O-4 · with dependents

$2,655/ month

$31,860 / year

At O-4, this is #202 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809

MHA NY225 · ZIPs 13305 13312 13325 13327 13343 13345 +52 more

Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj

Untaxed — matching it with taxable pay takes$3,404 / mo gross

Without dependents here$2,115 / mo

In government quarters, no dependents$50.10 / mo partial

Fort Drum — full sheetTap a row

Grade	With 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

O-4 with dependents, nearest stations0 – $7,470 / month

Westchester County$7,470

Lemoore NAS$2,673

Albuquerque$2,670

Johnson City$2,664

Mountain Home AFB$2,658

Fort Drum$2,655

Phoenix$2,646

Eastern Shore$2,643

Fayetteville$2,640

Fort Worth$2,640

Youngstown$1,809

Fort Drum is #202 of 338. The spread between the dearest and cheapest station at this grade is $5,661 a month — $67,932 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

Promoting to O-5 here adds $129 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Fort Drum to Westchester County at O-4 is worth $4,815 a month — about 37 promotions worth of housing allowance, at $129 per grade here.

Dependency status is worth 26% 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. $2,655 a month of BAH takes more than $2,655 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.

O-4 at Fort Drum draws $2,655 per month with dependents in 2026, $2,115 without

What this rate means

Things the rate table doesn't tell you