Updated February 2026

BAH Rates Ballston Spa/Albany, NY 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Ballston Spa/Albany military housing area (MHA: NY215), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,634

$31,608/year

E-5 without Dependents

$2,073

$24,876/year

O-3 with Dependents

$3,234

$38,808/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,388	$28,656
E-2	$2,388	$28,656
E-3	$2,388	$28,656
E-4	$2,388	$28,656
E-5	$2,634	$31,608
E-6	$2,862	$34,344
E-7	$2,997	$35,964
E-8	$3,144	$37,728
E-9	$3,327	$39,924
Warrant Officer
W-1	$2,880	$34,560
W-2	$3,057	$36,684
W-3	$3,240	$38,880
W-4	$3,357	$40,284
W-5	$3,504	$42,048
Commissioned Officer (Prior Enlisted)
O-1E	$3,021	$36,252
O-2E	$3,213	$38,556
O-3E	$3,381	$40,572
Commissioned Officer
O-1	$2,670	$32,040
O-2	$2,859	$34,308
O-3	$3,234	$38,808
O-4	$3,549	$42,588
O-5	$3,777	$45,324
O-6	$3,807	$45,684
O-7	$3,834	$46,008

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,974	$23,688
E-2	$1,974	$23,688
E-3	$1,974	$23,688
E-4	$1,974	$23,688
E-5	$2,073	$24,876
E-6	$2,166	$25,992
E-7	$2,397	$28,764
E-8	$2,685	$32,220
E-9	$2,745	$32,940
Warrant Officer
W-1	$2,310	$27,720
W-2	$2,682	$32,184
W-3	$2,754	$33,048
W-4	$2,886	$34,632
W-5	$3,030	$36,360
Commissioned Officer (Prior Enlisted)
O-1E	$2,631	$31,572
O-2E	$2,730	$32,760
O-3E	$2,850	$34,200
Commissioned Officer
O-1	$2,139	$25,668
O-2	$2,556	$30,672
O-3	$2,775	$33,300
O-4	$3,000	$36,000
O-5	$3,081	$36,972
O-6	$3,219	$38,628
O-7	$3,276	$39,312

52 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Ballston Spa/Albany (NY215) Military Housing Area:

12009 12019 12020 12023 12027 12041 12045 12046 12047 12054 12059 12065 12067 12074 12077 12084 12110 12118 12120 12143 12147 12148 12151 12158 12159 12170 12183 12186 12188 12189 12193 12202 12203 12204 12205 12206 12207 12208 12209 12210 12211 12469 12803 12822 12831 12833 12835 12850 12859 12863 12866 12871

Frequently Asked Questions

What is the BAH rate for an E-5 in Ballston Spa/Albany?

The 2026 BAH rate for an E-5 with dependents in Ballston Spa/Albany, NY is $2,634 per month ($31,608 per year). Without dependents, the rate is $2,073 per month.

How many ZIP codes are in the Ballston Spa/Albany MHA?

The Ballston Spa/Albany Military Housing Area (NY215) includes 52 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.