United States · BAH 2026 · New York
Westchester County, NY BAH rates 2026
In Westchester County, NY, 2026 BAH runs from $3,138 a month (E-1 without dependents) to $8,208 (O-7 and above with dependents). An E-5 with dependents gets $4,479 a month, not taxed.
Westchester County, NY · E-5 · with dependents
$4,479 a month
$53,748 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| 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 |
| 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 |
| O-1E | $5,931 | $4,476 |
| O-2E | $6,564 | $4,923 |
| O-3E | $7,023 | $5,361 |
| 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 and above | $8,208 | $6,759 |
What is take-home pay with BAH in Westchester County, 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 | $3,138.00 | $4,182.00 | $5,169.00 | $6,633.00 |
| 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 | $6,456.43 | $7,706.47 | $11,078.13 | $12,958.08 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Westchester County, NY?
DTMO’s 2026 list maps 90 ZIP codes to this housing area (NY349). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 90 ZIP codes
105xx: 10501, 10502, 10503, 10504, 10505, 10506, 10507, 10509, 10510, 10511, 10512, 10514, 10516, 10517, 10518, 10519, 10520, 10521, 10522, 10523, 10524, 10526, 10527, 10528, 10530, 10532, 10533, 10535, 10536, 10537, 10538, 10540, 10541, 10542, 10543, 10545, 10546, 10547, 10548, 10549, 10550, 10551, 10552, 10553, 10560, 10562, 10566, 10567, 10570, 10573, 10576, 10577, 10578, 10579, 10580, 10583, 10587, 10588, 10589, 10590, 10591, 10594, 10595, 10596, 10597, 10598
106xx: 10601, 10602, 10603, 10604, 10605, 10606, 10607, 10610
107xx: 10701, 10702, 10703, 10704, 10705, 10706, 10707, 10708, 10709, 10710
108xx: 10801, 10802, 10803, 10804, 10805
125xx: 12563
How does Westchester County, NY BAH compare?
For an E-5 with dependents, Westchester County, NY pays $4,479 a month: number 6 of 338 housing areas, and $2,418 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
- 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
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 Westchester County, NY
What is E-5 BAH in Westchester County, NY for 2026?
$4,479 a month with dependents and $3,606 without ($53,748 and $43,272 a year). That ranks 6 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 Westchester County, NY?
An O-3 gets $6,633 a month with dependents and $5,169 without in 2026. A W-2 gets $6,036 and $4,653.
How much BAH does an E-1 get in Westchester County, NY?
$4,182 a month with dependents and $3,138 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Westchester County, NY BAH rates?
90 ZIP codes in DTMO’s 2026 list map to this housing area (NY349): 10501, 10502, 10503, 10504, 10505 and 85 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Westchester County, 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 $7,097.35 a month here with allowances and takes home about $6,456.43. 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 Westchester County, 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.