Westchester County, NY BAH Rates
2026 Basic Allowance for Housing rates for Westchester County, New York (MHA: NY349).
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 (Private/Seaman Recruit) | $4,182 | $3,138 |
| E-2 (Private/Seaman Apprentice) | $4,182 | $3,138 |
| E-3 (PFC/Seaman) | $4,182 | $3,138 |
| E-4 (Specialist/Corporal) | $4,182 | $3,138 |
| E-5 (Sergeant) | $4,479 | $3,606 |
| E-6 (Staff Sergeant) | $5,367 | $4,026 |
| E-7 (Sergeant First Class) | $5,832 | $4,374 |
| E-8 (Master Sergeant) | $6,333 | $4,749 |
| E-9 (Sergeant Major) | $6,882 | $5,163 |
| W-1 (Warrant Officer) | $5,400 | $4,086 |
| W-2 (Chief Warrant Officer 2) | $6,036 | $4,653 |
| W-3 (Chief Warrant Officer 3) | $6,654 | $5,166 |
| W-4 (Chief Warrant Officer 4) | $6,963 | $5,478 |
| W-5 (Chief Warrant Officer 5) | $7,338 | $5,946 |
| O-1E (2LT/ENS w/ >4yr Enlisted) | $5,931 | $4,476 |
| O-2E (1LT/LTJG w/ >4yr Enlisted) | $6,564 | $4,923 |
| O-3E (CPT/LT w/ >4yr Enlisted) | $7,023 | $5,361 |
| O-1 (Second Lieutenant/Ensign) | $4,587 | $3,885 |
| O-2 (First Lieutenant/LTJG) | $5,355 | $4,383 |
| O-3 (Captain/Lieutenant) | $6,633 | $5,169 |
| O-4 (Major/LCDR) | $7,470 | $5,874 |
| O-5 (Lieutenant Colonel/CDR) | $8,064 | $6,162 |
| O-6 (Colonel/Captain) | $8,136 | $6,633 |
| O-7 (Brigadier General/RDML) | $8,208 | $6,759 |
Westchester County, NY — BAH Rate Snapshot
2026 monthly BAH rates with dependents across key pay grades. Rates range from $4,182 to $8,064 — a $3,882 spread.
Highlighted bars show commonly referenced pay grades (E-5, O-3). All rates are 2026 DoD BAH figures for Westchester County, NY.
BAH Rate History (Estimated)
BAH Rate History — E-5 in Westchester County, NY
With Dependents • 2022–2026 (+$1,158 / +34.9%)
* Rates sourced from official DoD BAH rate publications for each year.
Westchester County vs. Nearby NY Duty Stations
E-5 with dependents BAH comparison. Westchester County ranks #2 — $591/mo less than New York City.
About BAH in Westchester County, NY
The 2026 Basic Allowance for Housing rate for Westchester County, New York reflects the local cost of rental housing in the NY349 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 Westchester County, the monthly BAH rate is $4,479, which comes to $53,748 per year. Without dependents, the same pay grade receives $3,606 per month.
BAH Rates by Rank in Westchester County
View Westchester County 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 Westchester County 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 Westchester County rates changed from 2022 to 2026
- Compare BAH rates — Compare Westchester County with another duty station
- All New York duty stations