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-5 without dependents at New York City draws $5,280 per month in 2026

    Permalinkbahratedesk.com/new-york-city-ny/w-5/without/ExcelCSVDownloads cover this station.
    New York City, NY
    W-5 · without dependents
    $5,280/ month
    $63,360 / year
    At W-5, this is #3 of 338 stations loaded · high Westchester County $5,946 · low Youngstown $1,527
    MHA NY219 · ZIPs 10001 10002 10003 10004 10005 10006 +302 more
    Your grade is calledARMYCW5USMCCWO5NAVYCWO5
    Untaxed — matching it with taxable pay takes$6,769 / mo gross
    Other dependency status here$6,306 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-5 · $5,280/mo
    Aberdeen Proving Grounds$2,892/mo · $34,704/yr
    ▼ CUT−$2,388−$28,656/yr · like −$36,738 of salary

    What this rate means

    W-5 without dependents, nearest stations0 – $5,946 / month
    Westchester County$5,946
    San Francisco$5,496
    New York City$5,280
    Nantucket$5,268
    Maui County$5,136
    Santa Clara County$5,076
    Northern New Jersey$5,067
    Youngstown$1,527

    New York City is #3 of 338. The spread between the dearest and cheapest station at this grade is $4,419 a month — $53,028 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

    Rates flatten out at the top of each track, which is why the sheet stops at O-7.

    01

    Dependency status is worth 19% 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. $5,280 a month of BAH takes more than $5,280 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.