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

    O-5 without dependents at Fort Drum draws $2,244 per month in 2026

    Permalinkbahratedesk.com/fort-drum/o-5/without/ExcelCSVDownloads cover this station.
    Fort Drum/Watertown, NY
    O-5 · without dependents
    $2,244/ month
    $26,928 / year
    At O-5, this is #10 of 17 stations loaded · high Camp Pendleton $4,548 · low Fort Riley $1,875
    MHA NY219 · ZIPs 13602 13601 13603
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$2,877 / mo gross
    Other dependency status here$2,784 with dependents
    In government quarters, no dependents$50.10 / mo partial
    Fort Drum — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$1,569$1,356
    E-2$1,569$1,356
    E-3$1,569$1,356
    E-4$1,569$1,356
    E-5$1,665$1,422
    E-6$1,893$1,476
    E-7$2,103$1,578
    E-8$2,331$1,749
    E-9$2,526$1,896
    Warrant officer
    W-1$1,914$1,548
    W-2$2,196$1,713
    W-3$2,478$1,899
    W-4$2,544$1,938
    W-5$2,631$2,154
    Officer — prior enlisted
    O-1E$2,145$1,662
    O-2E$2,436$1,827
    O-3E$2,559$1,920
    Officer
    O-1$1,701$1,470
    O-2$1,890$1,638
    O-3$2,469$1,902
    O-4$2,655$2,115
    O-5$2,784$2,244
    O-6$2,805$2,457
    O-7$2,823$2,496
    PCS compareFort Drum · O-5 · $2,244/mo
    Fort Bragg$2,109/mo · $25,308/yr
    ▼ CUT−$135−$1,620/yr · like −$2,077 of salary

    What this rate means

    O-5 without dependents, every station0 – $4,548 / month
    Camp Pendleton$4,548
    San Diego$4,458
    Honolulu County$4,224
    JB Elmendorf-Richardson$3,162
    JB Lewis-McChord$3,030
    Norfolk$2,625
    Fort Stewart$2,520
    Fort Carson$2,517
    Fort Campbell$2,334
    Fort Drum$2,244
    Fort Bliss$2,172
    Fort Hood$2,169
    Fort Bragg$2,109
    San Antonio (JBSA)$2,100
    Camp Lejeune$2,016
    Fort Benning$2,013
    Fort Riley$1,875

    Fort Drum is #10 of 17. The spread between the dearest and cheapest station at this grade is $2,673 a month — $32,076 a year, untaxed.

    Every pay grade at Fort Drum0 – $2,496 / month
    E-1$1,356
    E-2$1,356
    E-3$1,356
    E-4$1,356
    E-5$1,422
    E-6$1,476
    E-7$1,578
    E-8$1,749
    E-9$1,896
    W-1$1,548
    W-2$1,713
    W-3$1,899
    W-4$1,938
    W-5$2,154
    O-1E$1,662
    O-2E$1,827
    O-3E$1,920
    O-1$1,470
    O-2$1,638
    O-3$1,902
    O-4$2,115
    O-5$2,244
    O-6$2,457
    O-7$2,496

    Promoting to O-6 here adds $213 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 Fort Drum to Camp Pendleton at O-5 is worth $2,304 a month — about 11 promotions worth of housing allowance, at $213 per grade here.

    02

    Dependency status is worth 24% 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. $2,244 a month of BAH takes more than $2,244 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.