What is O-5 BAH at Syracuse in 2026?

$2,640 per month without dependents ($31,680 per year), effective 01 JAN 2026. with dependents it is $3,198 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.

O-5 BAH at Syracuse 2026 — $2,640/mo without dependents

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

Syracuse, NY

O-5 · without dependents

$2,640/ month

$31,680 / year

At O-5, this is #139 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593

MHA NY223 · ZIPs 13020 13027 13028 13029 13030 13031 +80 more

Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col

Untaxed — matching it with taxable pay takes$3,385 / mo gross

Other dependency status here$3,198 with dependents

In government quarters, no dependents$50.10 / mo partial

Syracuse — full sheetTap a row

Grade	With dep.	Without
Enlisted
E-1	$1,872	$1,452
E-2	$1,872	$1,452
E-3	$1,872	$1,452
E-4	$1,872	$1,452
E-5	$2,049	$1,599
E-6	$2,385	$1,788
E-7	$2,541	$1,905
E-8	$2,709	$2,121
E-9	$2,880	$2,214
Warrant officer
W-1	$2,406	$1,818
W-2	$2,610	$2,118
W-3	$2,817	$2,229
W-4	$2,901	$2,418
W-5	$3,009	$2,577
Officer — prior enlisted
O-1E	$2,571	$2,046
O-2E	$2,787	$2,193
O-3E	$2,919	$2,376
Officer
O-1	$2,097	$1,689
O-2	$2,382	$1,995
O-3	$2,811	$2,262
O-4	$3,039	$2,547
O-5	$3,198	$2,640
O-6	$3,225	$2,796
O-7	$3,246	$2,844

What this rate means

O-5 without dependents, nearest stations0 – $6,162 / month

Westchester County$6,162

Patuxent River$2,670

Charleston$2,664

Rochester$2,652

Eugene$2,643

Syracuse$2,640

College Station$2,634

Humboldt County$2,634

County Cost Group 820$2,625

Norfolk$2,625

Youngstown$1,593

Syracuse is #139 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

Every pay grade at Syracuse0 – $2,844 / month

E-1$1,452

E-2$1,452

E-3$1,452

E-4$1,452

E-5$1,599

E-6$1,788

E-7$1,905

E-8$2,121

E-9$2,214

W-1$1,818

W-2$2,118

W-3$2,229

W-4$2,418

W-5$2,577

O-1E$2,046

O-2E$2,193

O-3E$2,376

O-1$1,689

O-2$1,995

O-3$2,262

O-4$2,547

O-5$2,640

O-6$2,796

O-7$2,844

Promoting to O-6 here adds $156 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 Syracuse to Westchester County at O-5 is worth $3,522 a month — about 23 promotions worth of housing allowance, at $156 per grade here.

Dependency status is worth 21% 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. $2,640 a month of BAH takes more than $2,640 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.

O-5 without dependents at Syracuse draws $2,640 per month in 2026

What this rate means

Things the rate table doesn't tell you