2026 BAH Rates — Fort Drum/Watertown, NY
2026 Basic Allowance for Housing (BAH) for Fort Drum/Watertown, NY (Military Housing Area NY225), effective January 1, 2026. BAH is a tax-free monthly allowance set by your duty-station ZIP code, pay grade, and whether you have dependents.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| 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 |
| 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 |
| O-1E | $2,145 | $1,662 |
| O-2E | $2,436 | $1,827 |
| O-3E | $2,559 | $1,920 |
| 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 |
Estimate your own pay with the BAH calculator and the full military pay calculator. See all BAH locations or the by-state overview.
Frequently asked questions
How much is BAH in Fort Drum/Watertown, NY?
In 2026, an E-5 with dependents stationed in Fort Drum/Watertown, NY receives $1,665 per month in tax-free BAH, or $1,422 without dependents. Rates vary by pay grade — see the full table above.
Is BAH taxable?
No. BAH is a tax-free housing allowance, which makes it worth more than the same amount of taxable base pay.