What is W-4 BAH at Rochester in 2026?

$2,859 per month with dependents ($34,308 per year), effective 01 JAN 2026. Without dependents it is $2,532 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.

W-4 BAH at Rochester 2026 — $2,859 with dependents, $2,532 without

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

Rochester, NY

W-4 · with dependents

$2,859/ month

$34,308 / year

At W-4, this is #138 of 338 stations loaded · high Westchester County $6,963 · low Stevens Point $1,779

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

Your grade is calledARMYCW4USMCCWO4NAVYCWO4

Untaxed — matching it with taxable pay takes$3,665 / mo gross

Without dependents here$2,532 / mo

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

W-4 with dependents, nearest stations0 – $6,963 / month

Westchester County$6,963

Helena$2,874

College Station$2,871

St. Louis$2,871

Richmond$2,862

Rochester$2,859

Savannah$2,853

County Cost Group 820$2,847

Barstow$2,838

Norfolk$2,832

Stevens Point$1,779

Rochester is #138 of 338. The spread between the dearest and cheapest station at this grade is $5,184 a month — $62,208 a year, untaxed.

Every pay grade at Rochester0 – $3,270 / month

E-1$1,941

E-2$1,941

E-3$1,941

E-4$1,941

E-5$2,214

E-6$2,517

E-7$2,604

E-8$2,697

E-9$2,832

W-1$2,535

W-2$2,643

W-3$2,760

W-4$2,859

W-5$2,988

O-1E$2,619

O-2E$2,739

O-3E$2,880

O-1$2,259

O-2$2,514

O-3$2,757

O-4$3,027

O-5$3,222

O-6$3,249

O-7$3,270

Promoting to W-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 Rochester to Westchester County at W-4 is worth $4,104 a month — about 32 promotions worth of housing allowance, at $129 per grade here.

Dependency status is worth 13% 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. $2,859 a month of BAH takes more than $2,859 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.

W-4 at Rochester draws $2,859 per month with dependents in 2026, $2,532 without

What this rate means

Things the rate table doesn't tell you