Fort Drum/Watertown, NY BAH Rates
2026 Basic Allowance for Housing rates for Fort Drum/Watertown, New York (MHA: NY225).
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 (Private/Seaman Recruit) | $1,569 | $1,356 |
| E-2 (Private/Seaman Apprentice) | $1,569 | $1,356 |
| E-3 (PFC/Seaman) | $1,569 | $1,356 |
| E-4 (Specialist/Corporal) | $1,569 | $1,356 |
| E-5 (Sergeant) | $1,665 | $1,422 |
| E-6 (Staff Sergeant) | $1,893 | $1,476 |
| E-7 (Sergeant First Class) | $2,103 | $1,578 |
| E-8 (Master Sergeant) | $2,331 | $1,749 |
| E-9 (Sergeant Major) | $2,526 | $1,896 |
| W-1 (Warrant Officer) | $1,914 | $1,548 |
| W-2 (Chief Warrant Officer 2) | $2,196 | $1,713 |
| W-3 (Chief Warrant Officer 3) | $2,478 | $1,899 |
| W-4 (Chief Warrant Officer 4) | $2,544 | $1,938 |
| W-5 (Chief Warrant Officer 5) | $2,631 | $2,154 |
| O-1E (2LT/ENS w/ >4yr Enlisted) | $2,145 | $1,662 |
| O-2E (1LT/LTJG w/ >4yr Enlisted) | $2,436 | $1,827 |
| O-3E (CPT/LT w/ >4yr Enlisted) | $2,559 | $1,920 |
| O-1 (Second Lieutenant/Ensign) | $1,701 | $1,470 |
| O-2 (First Lieutenant/LTJG) | $1,890 | $1,638 |
| O-3 (Captain/Lieutenant) | $2,469 | $1,902 |
| O-4 (Major/LCDR) | $2,655 | $2,115 |
| O-5 (Lieutenant Colonel/CDR) | $2,784 | $2,244 |
| O-6 (Colonel/Captain) | $2,805 | $2,457 |
| O-7 (Brigadier General/RDML) | $2,823 | $2,496 |
Fort Drum/Watertown, NY — BAH Rate Snapshot
2026 monthly BAH rates with dependents across key pay grades. Rates range from $1,569 to $2,784 — a $1,215 spread.
Highlighted bars show commonly referenced pay grades (E-5, O-3). All rates are 2026 DoD BAH figures for Fort Drum/Watertown, NY.
BAH Rate History (Estimated)
BAH Rate History — E-5 in Fort Drum/Watertown, NY
With Dependents • 2022–2026 (+$312 / +23.1%)
* Rates sourced from official DoD BAH rate publications for each year.
Fort Drum/Watertown vs. Nearby NY Duty Stations
E-5 with dependents BAH comparison. Fort Drum/Watertown ranks #5 — $3,405/mo less than New York City.
About BAH in Fort Drum/Watertown, NY
The 2026 Basic Allowance for Housing rate for Fort Drum/Watertown, New York reflects the local cost of rental housing in the NY225 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 Fort Drum/Watertown, the monthly BAH rate is $1,665, which comes to $19,980 per year. Without dependents, the same pay grade receives $1,422 per month.
BAH Rates by Rank in Fort Drum/Watertown
View Fort Drum/Watertown 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 Fort Drum/Watertown 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 Fort Drum/Watertown rates changed from 2022 to 2026
- Compare BAH rates — Compare Fort Drum/Watertown with another duty station
- All New York duty stations