United States · BAH 2026 · New York
New York City, NY BAH rates 2026
In New York City, NY, 2026 BAH runs from $4,833 a month (E-1 without dependents) to $7,254 (O-7 and above with dependents). An E-5 with dependents gets $5,070 a month, not taxed.
New York City, NY · E-5 · with dependents
$5,070 a month
$60,840 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $5,067 | $4,833 |
| E-2 | $5,067 | $4,833 |
| E-3 | $5,067 | $4,833 |
| E-4 | $5,067 | $4,833 |
| E-5 | $5,070 | $4,980 |
| E-6 | $5,097 | $5,070 |
| E-7 | $5,238 | $5,088 |
| E-8 | $5,418 | $5,100 |
| E-9 | $5,790 | $5,106 |
| W-1 | $5,100 | $5,085 |
| W-2 | $5,313 | $5,097 |
| W-3 | $5,535 | $5,109 |
| W-4 | $5,883 | $5,118 |
| W-5 | $6,306 | $5,280 |
| O-1E | $5,271 | $5,094 |
| O-2E | $5,502 | $5,103 |
| O-3E | $5,949 | $5,115 |
| O-1 | $5,073 | $5,067 |
| O-2 | $5,094 | $5,091 |
| O-3 | $5,529 | $5,112 |
| O-4 | $6,459 | $5,247 |
| O-5 | $7,128 | $5,346 |
| O-6 | $7,194 | $5,514 |
| O-7 and above | $7,254 | $5,616 |
What is take-home pay with BAH in New York City, 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 | $4,833.00 | $5,067.00 | $5,112.00 | $5,529.00 |
| 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 | $8,151.43 | $8,591.47 | $11,021.13 | $11,854.08 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in New York City, NY?
DTMO’s 2026 list maps 308 ZIP codes to this housing area (NY219). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 308 ZIP codes
100xx: 10001, 10002, 10003, 10004, 10005, 10006, 10007, 10008, 10009, 10010, 10011, 10012, 10013, 10014, 10016, 10017, 10018, 10019, 10020, 10021, 10022, 10023, 10024, 10025, 10026, 10027, 10028, 10029, 10030, 10031, 10032, 10033, 10034, 10035, 10036, 10037, 10038, 10039, 10040, 10041, 10043, 10044, 10045, 10055, 10060, 10065, 10069, 10075, 10080, 10081, 10087, 10090
101xx: 10101, 10102, 10103, 10104, 10105, 10106, 10107, 10108, 10109, 10110, 10111, 10112, 10113, 10114, 10115, 10116, 10117, 10118, 10119, 10120, 10121, 10122, 10123, 10124, 10125, 10126, 10128, 10129, 10130, 10131, 10132, 10133, 10138, 10150, 10151, 10152, 10153, 10154, 10155, 10156, 10157, 10158, 10159, 10160, 10162, 10163, 10164, 10165, 10166, 10167, 10168, 10169, 10170, 10171, 10172, 10173, 10174, 10175, 10176, 10177, 10178, 10179, 10185, 10199
102xx: 10203, 10211, 10212, 10213, 10242, 10249, 10256, 10258, 10259, 10260, 10261, 10265, 10268, 10269, 10270, 10271, 10272, 10273, 10274, 10275, 10276, 10277, 10278, 10279, 10280, 10281, 10282, 10285, 10286
104xx: 10451, 10452, 10453, 10454, 10455, 10456, 10457, 10458, 10459, 10460, 10461, 10462, 10463, 10464, 10465, 10466, 10467, 10468, 10469, 10470, 10471, 10472, 10473, 10474, 10475
110xx: 11001, 11002, 11003, 11004, 11005, 11010, 11020, 11021, 11022, 11023, 11024, 11030, 11040, 11042, 11050
111xx: 11101, 11102, 11103, 11104, 11105, 11106, 11109, 11120
112xx: 11201, 11202, 11203, 11204, 11205, 11206, 11207, 11208, 11209, 11210, 11211, 11212, 11213, 11214, 11215, 11216, 11217, 11218, 11219, 11220, 11221, 11222, 11223, 11224, 11225, 11226, 11228, 11229, 11230, 11231, 11232, 11233, 11234, 11235, 11236, 11237, 11238, 11239, 11241, 11242, 11243, 11245, 11247, 11249, 11251, 11252, 11256
113xx: 11351, 11352, 11354, 11355, 11356, 11357, 11358, 11359, 11360, 11361, 11362, 11363, 11364, 11365, 11366, 11367, 11368, 11369, 11370, 11371, 11372, 11373, 11374, 11375, 11377, 11378, 11379, 11380, 11385, 11386
114xx: 11405, 11411, 11412, 11413, 11414, 11415, 11416, 11417, 11418, 11419, 11420, 11421, 11422, 11423, 11424, 11425, 11426, 11427, 11428, 11429, 11430, 11431, 11432, 11433, 11434, 11435, 11436, 11437, 11439, 11451, 11499
116xx: 11690, 11691, 11692, 11693, 11694, 11695, 11697
How does New York City, NY BAH compare?
For an E-5 with dependents, New York City, NY pays $5,070 a month: number 2 of 338 housing areas, and $3,009 above the middle of all areas ($2,061). Other housing areas in New York:
- Ballston Spa/Albany, NY E-5 with dependents $2,634
- 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
- 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 New York City, NY
What is E-5 BAH in New York City, NY for 2026?
$5,070 a month with dependents and $4,980 without ($60,840 and $59,760 a year). That ranks 2 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 New York City, NY?
An O-3 gets $5,529 a month with dependents and $5,112 without in 2026. A W-2 gets $5,313 and $5,097.
How much BAH does an E-1 get in New York City, NY?
$5,067 a month with dependents and $4,833 without. E-1 to E-4 get the same rates here.
Which ZIP codes use New York City, NY BAH rates?
308 ZIP codes in DTMO’s 2026 list map to this housing area (NY219): 10001, 10002, 10003, 10004, 10005 and 303 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in New York City, 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 $8,792.35 a month here with allowances and takes home about $8,151.43. 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 New York City, 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.