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-1 without dependents at Westchester County draws $4,086 per month in 2026

    Permalinkbahratedesk.com/westchester-county-ny/w-1/without/ExcelCSVDownloads cover this station.
    Westchester County, NY
    W-1 · without dependents
    $4,086/ month
    $49,032 / year
    At W-1, this is #7 of 338 stations loaded · high New York City $5,085 · low Youngstown $1,128
    MHA NY349 · ZIPs 10501 10502 10503 10504 10505 10506 +84 more
    Your grade is calledARMYWO1USMCWONAVYWO1
    Untaxed — matching it with taxable pay takes$5,238 / mo gross
    Other dependency status here$5,400 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Westchester County — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$4,182$3,138
    E-2$4,182$3,138
    E-3$4,182$3,138
    E-4$4,182$3,138
    E-5$4,479$3,606
    E-6$5,367$4,026
    E-7$5,832$4,374
    E-8$6,333$4,749
    E-9$6,882$5,163
    Warrant officer
    W-1$5,400$4,086
    W-2$6,036$4,653
    W-3$6,654$5,166
    W-4$6,963$5,478
    W-5$7,338$5,946
    Officer — prior enlisted
    O-1E$5,931$4,476
    O-2E$6,564$4,923
    O-3E$7,023$5,361
    Officer
    O-1$4,587$3,885
    O-2$5,355$4,383
    O-3$6,633$5,169
    O-4$7,470$5,874
    O-5$8,064$6,162
    O-6$8,136$6,633
    O-7$8,208$6,759
    PCS compareWestchester County · W-1 · $4,086/mo
    Aberdeen Proving Grounds$2,205/mo · $26,460/yr
    ▼ CUT−$1,881−$22,572/yr · like −$28,938 of salary

    What this rate means

    W-1 without dependents, nearest stations0 – $5,085 / month
    New York City$5,085
    Santa Clara County$4,257
    Boston$4,191
    Nantucket$4,188
    Northern New Jersey$4,113
    Westchester County$4,086
    Long Island$4,023
    Hanscom AFB$3,924
    Florida Keys$3,771
    Maui County$3,642
    Youngstown$1,128

    Westchester County is #7 of 338. The spread between the dearest and cheapest station at this grade is $3,957 a month — $47,484 a year, untaxed.

    Every pay grade at Westchester County0 – $6,759 / month
    E-1$3,138
    E-2$3,138
    E-3$3,138
    E-4$3,138
    E-5$3,606
    E-6$4,026
    E-7$4,374
    E-8$4,749
    E-9$5,163
    W-1$4,086
    W-2$4,653
    W-3$5,166
    W-4$5,478
    W-5$5,946
    O-1E$4,476
    O-2E$4,923
    O-3E$5,361
    O-1$3,885
    O-2$4,383
    O-3$5,169
    O-4$5,874
    O-5$6,162
    O-6$6,633
    O-7$6,759

    Promoting to W-2 here adds $567 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 Westchester County to New York City at W-1 is worth $999 a month — about 2 promotions worth of housing allowance, at $567 per grade here.

    02

    Dependency status is worth 32% 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. $4,086 a month of BAH takes more than $4,086 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.