What is E-5 BAH at Rochester in 2026?

$1,662 per month without dependents ($19,944 per year), effective 01 JAN 2026. with dependents it is $2,214 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.

E-5 BAH at Rochester 2026 — $1,662/mo without dependents

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

Rochester, NY

E-5 · without dependents

$1,662/ month

$19,944 / year

At E-5, this is #173 of 338 stations loaded · high New York City $4,980 · low Fort Chaffee $996

MHA NY221 · ZIPs 14410 14420 14428 14430 14445 14450 +56 more

Your grade is calledARMYSGTUSMCSgtNAVYPO2USAFSSgt

Untaxed — matching it with taxable pay takes$2,131 / mo gross

Other dependency status here$2,214 with dependents

In government quarters, no dependents$50.10 / mo partial

Rochester — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,941	$1,455
E-2	$1,941	$1,455
E-3	$1,941	$1,455
E-4	$1,941	$1,455
E-5	$2,214	$1,662
E-6	$2,517	$1,887
E-7	$2,604	$1,953
E-8	$2,697	$2,280
E-9	$2,832	$2,364
Warrant officer
W-1	$2,535	$1,902
W-2	$2,643	$2,277
W-3	$2,760	$2,376
W-4	$2,859	$2,532
W-5	$2,988	$2,625
Officer — prior enlisted
O-1E	$2,619	$2,211
O-2E	$2,739	$2,343
O-3E	$2,880	$2,508
Officer
O-1	$2,259	$1,695
O-2	$2,514	$2,127
O-3	$2,757	$2,403
O-4	$3,027	$2,601
O-5	$3,222	$2,652
O-6	$3,249	$2,736
O-7	$3,270	$2,784

What this rate means

E-5 without dependents, nearest stations0 – $4,980 / month

New York City$4,980

Salt Lake City$1,671

Ogden$1,668

Houston$1,665

Spokane$1,665

Rochester$1,662

Fort Worth$1,656

Duluth$1,653

Columbia$1,647

Fort Gordon$1,644

Fort Chaffee$996

Rochester is #173 of 338. The spread between the dearest and cheapest station at this grade is $3,984 a month — $47,808 a year, untaxed.

Every pay grade at Rochester0 – $2,784 / month

E-1$1,455

E-2$1,455

E-3$1,455

E-4$1,455

E-5$1,662

E-6$1,887

E-7$1,953

E-8$2,280

E-9$2,364

W-1$1,902

W-2$2,277

W-3$2,376

W-4$2,532

W-5$2,625

O-1E$2,211

O-2E$2,343

O-3E$2,508

O-1$1,695

O-2$2,127

O-3$2,403

O-4$2,601

O-5$2,652

O-6$2,736

O-7$2,784

Promoting to E-6 here adds $225 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 Rochester to New York City at E-5 is worth $3,318 a month — about 15 promotions worth of housing allowance, at $225 per grade here.

Dependency status is worth 33% 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. $1,662 a month of BAH takes more than $1,662 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.

E-5 without dependents at Rochester draws $1,662 per month in 2026

What this rate means

Things the rate table doesn't tell you