2026 BAH Rates in NEW YORK CITY, NY
The 2026 BAH for an E-5 in NEW YORK CITY, NY is $5,070/month with dependents and $4,980/month without, per DoD DTMO rate tables. Rates below cover all 27 paygrades.
All 27 paygrades, with and without dependents. This MHA changed +38.3% over the last 4 years.
| Paygrade | With dep | No dep | Annual w/dep |
|---|---|---|---|
| E-1 | $5,067 | $4,833 | $60,804 |
| E-2 | $5,067 | $4,833 | $60,804 |
| E-3 | $5,067 | $4,833 | $60,804 |
| E-4 | $5,067 | $4,833 | $60,804 |
| E-5 | $5,070 | $4,980 | $60,840 |
| E-6 | $5,097 | $5,070 | $61,164 |
| E-7 | $5,238 | $5,088 | $62,856 |
| E-8 | $5,418 | $5,100 | $65,016 |
| E-9 | $5,790 | $5,106 | $69,480 |
| W-1 | $5,100 | $5,085 | $61,200 |
| W-2 | $5,313 | $5,097 | $63,756 |
| W-3 | $5,535 | $5,109 | $66,420 |
| W-4 | $5,883 | $5,118 | $70,596 |
| W-5 | $6,306 | $5,280 | $75,672 |
| O-1E | $5,271 | $5,094 | $63,252 |
| O-2E | $5,502 | $5,103 | $66,024 |
| O-3E | $5,949 | $5,115 | $71,388 |
| O-1 | $5,073 | $5,067 | $60,876 |
| O-2 | $5,094 | $5,091 | $61,128 |
| O-3 | $5,529 | $5,112 | $66,348 |
| O-4 | $6,459 | $5,247 | $77,508 |
| O-5 | $7,128 | $5,346 | $85,536 |
| O-6 | $7,194 | $5,514 | $86,328 |
| O-7 | $7,254 | $5,616 | $87,048 |
| O-8 | $7,254 | $5,616 | $87,048 |
| O-9 | $7,254 | $5,616 | $87,048 |
| O-10 | $7,254 | $5,616 | $87,048 |
Note: E-1 to E-4 in single-type-1 barracks generally receive $0 BAH; the rates shown apply when authorized to live off-base or with dependents.
E-5 with dependents · 2023–2026
| Year | Monthly | Annual | YoY |
|---|---|---|---|
| 2023 | $3,666 | $43,992 | - |
| 2024 | $4,407 | $52,884 | +20.2% |
| 2025 | $5,073 | $60,876 | +15.1% |
| 2026 | $5,070 | $60,840 | -0.1% |
What the 2026 numbers mean in NEW YORK CITY, NY
At $5,070 a month for an E-5 with dependents, NEW YORK CITY, NY ranks 2nd of 299 military housing areas in the 2026 DoD tables, higher than 99% of locations. That is $2,952 above the national median of $2,118, which is the clearest single signal of how expensive the rental market around this duty station is compared with the rest of the force. Within New York it sits 1st of 11 housing areas, $2,436 above the state median of $2,634.
The dependent premium here is $90 a month (+1.8% over the without-dependents rate of $4,980). DoD sets the with-dependents rate against a larger housing profile for the same paygrade, so the gap tracks how much more a family-sized rental costs locally, not a flat percentage. One dependent or five, the rate is the same: BAH has only two dependency tiers.
Between adjacent grades the largest single step in NEW YORK CITY, NY is O-3 to O-4, worth $930 more per month with dependents. An O-3 draws $5,529, about 1.09x the E-5 rate, because each paygrade is pegged to a different anchor housing type (from a one-bedroom apartment at the junior enlisted grades up to a single-family house for senior officers).
Over 4 years the E-5 with-dependents rate moved from $3,666 in 2023 to $5,070 in 2026 (+38.3% overall). Year by year: 2024: $4,407 (+20.2%); 2025: $5,073 (+15.1%); 2026: $5,070 (-0.1%). At least one year came in lower than the year before. Members already stationed here kept the higher figure under individual rate protection; only new arrivals and members who changed dependency status or paygrade moved to the lower rate.
BAH is not taxed and does not count toward retired pay. It is paid at the rate for the member's duty-station ZIP code, not the ZIP where they choose to live, so a cheaper rental outside NEW YORK CITY, NYleaves the difference in the member's pocket. Rates take effect January 1 and come from the annual DTMO survey of rents and average utilities for each housing area. Verify your exact entitlement with your unit pay office or your LES; see the LES guide and the with vs. without dependents explainer.
Frequently asked: BAH in NEW YORK CITY, NY
- What is the 2026 BAH for E-5 in NEW YORK CITY, NY?
- The 2026 Basic Allowance for Housing for an E-5 (Sergeant / Petty Officer 2nd Class) in NEW YORK CITY, NY is $5,070/month with dependents and $4,980/month without dependents, per the DoD Defense Travel Management Office (DTMO) rate tables.
- What is the 2026 BAH for E-7 in NEW YORK CITY, NY?
- The 2026 Basic Allowance for Housing for an E-7 (Sergeant First Class / Chief Petty Officer) in NEW YORK CITY, NY is $5,238/month with dependents and $5,088/month without dependents, per the DoD Defense Travel Management Office (DTMO) rate tables.
- What is the 2026 BAH for O-3 in NEW YORK CITY, NY?
- The 2026 Basic Allowance for Housing for an O-3 (Captain / Lieutenant) in NEW YORK CITY, NY is $5,529/month with dependents and $5,112/month without dependents, per the DoD Defense Travel Management Office (DTMO) rate tables.
- Has BAH in NEW YORK CITY, NY gone up?
- BAH in NEW YORK CITY, NY has increased +38.3% over the last 4 years, based on DoD DTMO published rates.
- Is the NEW YORK CITY, NY BAH rate the same for every rank?
- No. BAH in NEW YORK CITY, NY varies by paygrade (all 27 grades from E-1 to O-10) and by whether you have dependents. Higher ranks receive higher rates. See militarycalc.com for the full 2026 table.
- Where does this data come from?
- Directly from the DoD Defense Travel Management Office BAH rate files for 2023-2026, parsed without manual edits. The same tables power the interactive calculator and our open dataset.
Need a specific scenario?
Open the interactive calculator to flip dependents on/off, compare two ZIPs side-by-side, or view full 4-year history charts.