Ballston Spa/Albany, NY BAH Rates
2026 Basic Allowance for Housing rates for Ballston Spa/Albany, New York (MHA: NY215).
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 (Private/Seaman Recruit) | $2,388 | $1,974 |
| E-2 (Private/Seaman Apprentice) | $2,388 | $1,974 |
| E-3 (PFC/Seaman) | $2,388 | $1,974 |
| E-4 (Specialist/Corporal) | $2,388 | $1,974 |
| E-5 (Sergeant) | $2,634 | $2,073 |
| E-6 (Staff Sergeant) | $2,862 | $2,166 |
| E-7 (Sergeant First Class) | $2,997 | $2,397 |
| E-8 (Master Sergeant) | $3,144 | $2,685 |
| E-9 (Sergeant Major) | $3,327 | $2,745 |
| W-1 (Warrant Officer) | $2,880 | $2,310 |
| W-2 (Chief Warrant Officer 2) | $3,057 | $2,682 |
| W-3 (Chief Warrant Officer 3) | $3,240 | $2,754 |
| W-4 (Chief Warrant Officer 4) | $3,357 | $2,886 |
| W-5 (Chief Warrant Officer 5) | $3,504 | $3,030 |
| O-1E (2LT/ENS w/ >4yr Enlisted) | $3,021 | $2,631 |
| O-2E (1LT/LTJG w/ >4yr Enlisted) | $3,213 | $2,730 |
| O-3E (CPT/LT w/ >4yr Enlisted) | $3,381 | $2,850 |
| O-1 (Second Lieutenant/Ensign) | $2,670 | $2,139 |
| O-2 (First Lieutenant/LTJG) | $2,859 | $2,556 |
| O-3 (Captain/Lieutenant) | $3,234 | $2,775 |
| O-4 (Major/LCDR) | $3,549 | $3,000 |
| O-5 (Lieutenant Colonel/CDR) | $3,777 | $3,081 |
| O-6 (Colonel/Captain) | $3,807 | $3,219 |
| O-7 (Brigadier General/RDML) | $3,834 | $3,276 |
Ballston Spa/Albany, NY — BAH Rate Snapshot
2026 monthly BAH rates with dependents across key pay grades. Rates range from $2,388 to $3,777 — a $1,389 spread.
Highlighted bars show commonly referenced pay grades (E-5, O-3). All rates are 2026 DoD BAH figures for Ballston Spa/Albany, NY.
BAH Rate History (Estimated)
BAH Rate History — E-5 in Ballston Spa/Albany, NY
With Dependents • 2022–2026 (+$405 / +18.2%)
* Rates sourced from official DoD BAH rate publications for each year.
Ballston Spa/Albany vs. Nearby NY Duty Stations
E-5 with dependents BAH comparison. Ballston Spa/Albany ranks #5 — $2,436/mo less than New York City.
About BAH in Ballston Spa/Albany, NY
The 2026 Basic Allowance for Housing rate for Ballston Spa/Albany, New York reflects the local cost of rental housing in the NY215 Military Housing Area. BAH rates are determined by surveying rental costs for various housing profiles in the area.
For an E-5 with dependents stationed in Ballston Spa/Albany, the monthly BAH rate is $2,634, which comes to $31,608 per year. Without dependents, the same pay grade receives $2,073 per month.
BAH Rates by Rank in Ballston Spa/Albany
View Ballston Spa/Albany BAH rates broken down by specific pay grade: E-5 BAH rates, E-6 BAH rates, E-7 BAH rates, O-3 BAH rates, or browse all pay grades.
Using BAH Toward a VA Home Loan
Many service members in Ballston Spa/Albany use their BAH to cover mortgage payments on a VA home loan. Use our BAH affordability tool to see what you can afford. Since BAH is non-taxable, it can stretch further than equivalent taxable income when qualifying for a mortgage.
Related Resources
- Historical BAH rates — See how Ballston Spa/Albany rates changed from 2022 to 2026
- Compare BAH rates — Compare Ballston Spa/Albany with another duty station
- All New York duty stations