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 without dependents at New York City draws $5,118 per month in 2026

    Permalinkbahratedesk.com/new-york-city-ny/w-4/without/ExcelCSVDownloads cover this station.
    New York City, NY
    W-4 · without dependents
    $5,118/ month
    $61,416 / year
    At W-4, this is #4 of 338 stations loaded · high Westchester County $5,478 · low Youngstown $1,362
    MHA NY219 · ZIPs 10001 10002 10003 10004 10005 10006 +302 more
    Your grade is calledARMYCW4USMCCWO4NAVYCWO4
    Untaxed — matching it with taxable pay takes$6,562 / mo gross
    Other dependency status here$5,883 with 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-4 · $5,118/mo
    Aberdeen Proving Grounds$2,766/mo · $33,192/yr
    ▼ CUT−$2,352−$28,224/yr · like −$36,185 of salary

    What this rate means

    W-4 without dependents, nearest stations0 – $5,478 / month
    Westchester County$5,478
    San Francisco$5,454
    Nantucket$5,151
    New York City$5,118
    Northern New Jersey$5,046
    Santa Clara County$4,992
    Maui County$4,839
    Boston$4,833
    Youngstown$1,362

    New York City is #4 of 338. The spread between the dearest and cheapest station at this grade is $4,116 a month — $49,392 a year, untaxed.

    Every pay grade at New York City0 – $5,616 / month
    E-1$4,833
    E-2$4,833
    E-3$4,833
    E-4$4,833
    E-5$4,980
    E-6$5,070
    E-7$5,088
    E-8$5,100
    E-9$5,106
    W-1$5,085
    W-2$5,097
    W-3$5,109
    W-4$5,118
    W-5$5,280
    O-1E$5,094
    O-2E$5,103
    O-3E$5,115
    O-1$5,067
    O-2$5,091
    O-3$5,112
    O-4$5,247
    O-5$5,346
    O-6$5,514
    O-7$5,616

    Promoting to W-5 here adds $162 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-4 is worth $360 a month — about 2 promotions worth of housing allowance, at $162 per grade here.

    02

    Dependency status is worth 15% 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. $5,118 a month of BAH takes more than $5,118 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.