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2026 Official DoD Rates · Tax-free
BAH RATES
FORT DRUM, NY
2026 Basic Allowance for Housing rates for the Watertown-Fort Drum, NY Military Housing Area. Paid monthly, tax-free, based on rank and dependent status.
$1,422
Monthly
E-5 w/o Deps
$2,469
Monthly
O-3 w/ Deps
100%
Tax-free
Tax Status
2026 BAH Rates -- Watertown-Fort Drum, NY
Monthly housing allowance -- all ranks, with and without dependents
| Rank | Without Deps | With Deps |
|---|---|---|
| E-1 | $1,356/mo | $1,569/mo |
| E-2 | $1,356/mo | $1,569/mo |
| E-3 | $1,356/mo | $1,569/mo |
| E-4 | $1,356/mo | $1,569/mo |
| E-5 | $1,422/mo | $1,665/mo |
| E-6 | $1,476/mo | $1,893/mo |
| E-7 | $1,578/mo | $2,103/mo |
| E-8 | $1,749/mo | $2,331/mo |
| E-9 | $1,896/mo | $2,526/mo |
| W-1 | $1,548/mo | $1,914/mo |
| W-2 | $1,713/mo | $2,196/mo |
| W-3 | $1,899/mo | $2,478/mo |
| W-4 | $1,938/mo | $2,544/mo |
| W-5 | $2,154/mo | $2,631/mo |
| O-1 | $1,470/mo | $1,701/mo |
| O-1E | $1,662/mo | $2,145/mo |
| O-2 | $1,638/mo | $1,890/mo |
| O-2E | $1,827/mo | $2,436/mo |
| O-3 | $1,902/mo | $2,469/mo |
| O-3E | $1,920/mo | $2,559/mo |
| O-4 | $2,115/mo | $2,655/mo |
| O-5 | $2,244/mo | $2,784/mo |
| O-6 | $2,457/mo | $2,805/mo |
| O-7 | $2,496/mo | $2,823/mo |
Source: DoD BAH rate tables, 2026. Rates are tax-free and paid monthly with base pay.
How BAH works
- BAH is tax-free and paid monthly alongside your base pay
- Rates are set by the Military Housing Area (MHA) -- not your specific ZIP code
- "With dependents" rate applies if you have a spouse, child, or other qualifying dependent
- You keep the difference if you find housing below your BAH rate
- Rates are updated annually on January 1 and guaranteed not to decrease mid-year
Calculate your total military compensation -- base pay + BAH + BAS in one place.
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2026 rates per official DoD BAH tables. Rates are effective January 1, 2026. Source: Defense Travel Management Office (DTMO).