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-3 with dependents at New York City draws $5,535 per month in 2026

    Permalinkbahratedesk.com/new-york-city-ny/w-3/with/ExcelCSVDownloads cover this station.
    New York City, NY
    W-3 · with dependents
    $5,535/ month
    $66,420 / year
    At W-3, this is #4 of 338 stations loaded · high Westchester County $6,654 · low Anniston $1,689
    MHA NY219 · ZIPs 10001 10002 10003 10004 10005 10006 +302 more
    Your grade is calledARMYCW3USMCCWO3NAVYCWO3
    Untaxed — matching it with taxable pay takes$7,096 / mo gross
    Other dependency status here$5,109 without dependents
    In government quarters, no dependents$50.10 / mo partial
    New York City — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$5,067$4,833
    E-2$5,067$4,833
    E-3$5,067$4,833
    E-4$5,067$4,833
    E-5$5,070$4,980
    E-6$5,097$5,070
    E-7$5,238$5,088
    E-8$5,418$5,100
    E-9$5,790$5,106
    Warrant officer
    W-1$5,100$5,085
    W-2$5,313$5,097
    W-3$5,535$5,109
    W-4$5,883$5,118
    W-5$6,306$5,280
    Officer — prior enlisted
    O-1E$5,271$5,094
    O-2E$5,502$5,103
    O-3E$5,949$5,115
    Officer
    O-1$5,073$5,067
    O-2$5,094$5,091
    O-3$5,529$5,112
    O-4$6,459$5,247
    O-5$7,128$5,346
    O-6$7,194$5,514
    O-7$7,254$5,616
    PCS compareNew York City · W-3 · $5,535/mo
    Aberdeen Proving Grounds$3,075/mo · $36,900/yr
    ▼ CUT−$2,460−$29,520/yr · like −$37,846 of salary

    What this rate means

    W-3 with dependents, nearest stations0 – $6,654 / month
    Westchester County$6,654
    Maui County$5,586
    San Francisco$5,559
    New York City$5,535
    Nantucket$5,445
    Santa Clara County$5,202
    Boston$5,169
    Northern New Jersey$5,097
    Anniston$1,689

    New York City is #4 of 338. The spread between the dearest and cheapest station at this grade is $4,965 a month — $59,580 a year, untaxed.

    Every pay grade at New York City0 – $7,254 / month
    E-1$5,067
    E-2$5,067
    E-3$5,067
    E-4$5,067
    E-5$5,070
    E-6$5,097
    E-7$5,238
    E-8$5,418
    E-9$5,790
    W-1$5,100
    W-2$5,313
    W-3$5,535
    W-4$5,883
    W-5$6,306
    O-1E$5,271
    O-2E$5,502
    O-3E$5,949
    O-1$5,073
    O-2$5,094
    O-3$5,529
    O-4$6,459
    O-5$7,128
    O-6$7,194
    O-7$7,254

    Promoting to W-4 here adds $348 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 New York City to Westchester County at W-3 is worth $1,119 a month — about 3 promotions worth of housing allowance, at $348 per grade here.

    02

    Dependency status is worth 8% 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. $5,535 a month of BAH takes more than $5,535 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.