BAH Rates for Fort Drum / Watertown, Ny (2026)
Official 2026 Basic Allowance for Housing for the Fort Drum / Watertown, Ny military housing area (NY225), for every pay grade with and without dependents.
Free · No sign-up · Runs in your browser · Last reviewed November 2026
Advertisement
About the BAH Rates for Fort Drum / Watertown, Ny (2026)
This page lists the official 2026 BAH rates for Fort Drum / Watertown, Ny (military housing area NY225). BAH is paid to service members who are not in government housing and is based on duty station, pay grade and dependent status. It is tax-free. In 2026 an E-5 with dependents receives $1,665 a month here, $1,422 without dependents, which ranks number 246 of 338 military housing areas for E-5 with dependents (the national average is about $2,225). An O-3 with dependents receives $2,469 and an O-4 with dependents $2,655.
How to use it
- Choose your pay grade and whether you have dependents.
- Press Show my BAH to see your monthly and yearly allowance for this area.
- Use the table below to compare every grade, or the BAH calculator for another ZIP code.
2026 BAH rates for Fort Drum / Watertown, Ny by pay grade
| 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 |
Quick comparison
| Pay grade | With dependents | Without |
|---|---|---|
| E-4 | $1,569 | $1,356 |
| E-6 | $1,893 | $1,476 |
| E-7 | $2,103 | $1,578 |
| O-1 | $1,701 | $1,470 |
| O-3 | $2,469 | $1,902 |
Things to know
- BAH is set by the duty station ZIP code, so it applies to every ZIP code mapped to NY225.
- Rates are tax-free and meant to cover rent and utilities.
- O-7 and above share one rate.
- Your own rate is protected if the area rate drops while you stay in the same grade and location.
- Use the military pay calculator to add BAH to your basic pay and BAS.
Frequently asked questions
What is the BAH for an E-5 in Fort Drum / Watertown, Ny?
In 2026 an E-5 receives $1,665 a month with dependents and $1,422 without dependents in the Fort Drum / Watertown, Ny area.
What is the BAH for an O-3 in Fort Drum / Watertown, Ny?
An O-3 receives $2,469 with dependents and $1,902 without dependents in 2026.
How much BAH does an E-6 get in Fort Drum / Watertown, Ny?
An E-6 with dependents receives $1,893 a month in 2026.
Is BAH taxable?
No. BAH is not subject to federal income tax.
Which ZIP codes use the NY225 rate?
All ZIP codes assigned to the Fort Drum / Watertown, Ny military housing area. Enter your ZIP code in the BAH calculator to confirm.
Last reviewed: November 2026. Official 2026 DoD BAH rates. Your finance office determines your actual entitlement.