United States · BAH 2026 · New York
Ballston Spa/Albany, NY BAH rates 2026
In Ballston Spa/Albany, NY, 2026 BAH runs from $1,974 a month (E-1 without dependents) to $3,834 (O-7 and above with dependents). An E-5 with dependents gets $2,634 a month, not taxed.
Ballston Spa/Albany, NY · E-5 · with dependents
$2,634 a month
$31,608 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,388 | $1,974 |
| E-2 | $2,388 | $1,974 |
| E-3 | $2,388 | $1,974 |
| E-4 | $2,388 | $1,974 |
| E-5 | $2,634 | $2,073 |
| E-6 | $2,862 | $2,166 |
| E-7 | $2,997 | $2,397 |
| E-8 | $3,144 | $2,685 |
| E-9 | $3,327 | $2,745 |
| W-1 | $2,880 | $2,310 |
| W-2 | $3,057 | $2,682 |
| W-3 | $3,240 | $2,754 |
| W-4 | $3,357 | $2,886 |
| W-5 | $3,504 | $3,030 |
| O-1E | $3,021 | $2,631 |
| O-2E | $3,213 | $2,730 |
| O-3E | $3,381 | $2,850 |
| O-1 | $2,670 | $2,139 |
| O-2 | $2,859 | $2,556 |
| O-3 | $3,234 | $2,775 |
| O-4 | $3,549 | $3,000 |
| O-5 | $3,777 | $3,081 |
| O-6 | $3,807 | $3,219 |
| O-7 and above | $3,834 | $3,276 |
What is take-home pay with BAH in Ballston Spa/Albany, NY?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. These assume New York is your state of legal residence: New York taxes a resident’s basic pay in full. If your legal residence is another state, its rule applies instead.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $1,974.00 | $2,388.00 | $2,775.00 | $3,234.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | −$138.30 | −$88.57 | −$348.92 | −$298.73 |
| Take-home a month | $5,292.43 | $5,912.47 | $8,684.13 | $9,559.08 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Ballston Spa/Albany, NY?
DTMO’s 2026 list maps 145 ZIP codes to this housing area (NY215). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 145 ZIP codes
120xx: 12007, 12008, 12009, 12018, 12019, 12020, 12022, 12023, 12024, 12027, 12033, 12040, 12041, 12045, 12046, 12047, 12052, 12053, 12054, 12055, 12056, 12057, 12059, 12061, 12062, 12063, 12065, 12067, 12074, 12077, 12082, 12084, 12085, 12089, 12090, 12094
121xx: 12107, 12110, 12118, 12120, 12121, 12123, 12128, 12133, 12137, 12138, 12140, 12141, 12143, 12144, 12147, 12148, 12150, 12151, 12153, 12154, 12156, 12158, 12159, 12161, 12168, 12169, 12170, 12180, 12181, 12182, 12183, 12185, 12186, 12188, 12189, 12193, 12196, 12198
122xx: 12201, 12202, 12203, 12204, 12205, 12206, 12207, 12208, 12209, 12210, 12211, 12212, 12214, 12220, 12222, 12223, 12224, 12225, 12226, 12227, 12228, 12229, 12230, 12231, 12232, 12233, 12234, 12235, 12236, 12237, 12238, 12239, 12240, 12241, 12242, 12243, 12244, 12245, 12246, 12247, 12248, 12249, 12250, 12255, 12257, 12260, 12261, 12288
123xx: 12301, 12302, 12303, 12304, 12305, 12306, 12307, 12308, 12309, 12325, 12345
124xx: 12469
128xx: 12803, 12822, 12831, 12833, 12835, 12850, 12859, 12863, 12866, 12871, 12884
How does Ballston Spa/Albany, NY BAH compare?
For an E-5 with dependents, Ballston Spa/Albany, NY pays $2,634 a month: number 81 of 338 housing areas, and $573 above the middle of all areas ($2,061). Other housing areas in New York:
- Buffalo, NY E-5 with dependents $2,214
- Fort Drum/Watertown, NY E-5 with dependents $1,665
- Long Island, NY E-5 with dependents $4,425
- New York City, NY E-5 with dependents $5,070
- Rochester, NY E-5 with dependents $2,214
- Rome/Griffiss AFB, NY E-5 with dependents $2,109
- Staten Island, NY E-5 with dependents $3,735
- Syracuse, NY E-5 with dependents $2,049
- West Point, NY E-5 with dependents $3,468
- Westchester County, NY E-5 with dependents $4,479
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
- New York minimum wage The New York minimum wage for 2026 and 2027, with full-time pay.
- New York paycheck calculator Take-home pay for a civilian job in New York, after federal and state tax.
Questions about BAH in Ballston Spa/Albany, NY
What is E-5 BAH in Ballston Spa/Albany, NY for 2026?
$2,634 a month with dependents and $2,073 without ($31,608 and $24,876 a year). That ranks 81 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in Ballston Spa/Albany, NY?
An O-3 gets $3,234 a month with dependents and $2,775 without in 2026. A W-2 gets $3,057 and $2,682.
How much BAH does an E-1 get in Ballston Spa/Albany, NY?
$2,388 a month with dependents and $1,974 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Ballston Spa/Albany, NY BAH rates?
145 ZIP codes in DTMO’s 2026 list map to this housing area (NY215): 12007, 12008, 12009, 12018, 12019 and 140 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Ballston Spa/Albany, NY taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $5,933.35 a month here with allowances and takes home about $5,292.43. These assume New York is your state of legal residence: New York taxes a resident’s basic pay in full. If your legal residence is another state, its rule applies instead.
When will Ballston Spa/Albany, NY BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.