Updated February 2026

BAH Rates Fort Drum/Watertown, NY 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Fort Drum/Watertown military housing area (MHA: NY225), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$1,665

$19,980/year

E-5 without Dependents

$1,422

$17,064/year

O-3 with Dependents

$2,469

$29,628/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,569	$18,828
E-2	$1,569	$18,828
E-3	$1,569	$18,828
E-4	$1,569	$18,828
E-5	$1,665	$19,980
E-6	$1,893	$22,716
E-7	$2,103	$25,236
E-8	$2,331	$27,972
E-9	$2,526	$30,312
Warrant Officer
W-1	$1,914	$22,968
W-2	$2,196	$26,352
W-3	$2,478	$29,736
W-4	$2,544	$30,528
W-5	$2,631	$31,572
Commissioned Officer (Prior Enlisted)
O-1E	$2,145	$25,740
O-2E	$2,436	$29,232
O-3E	$2,559	$30,708
Commissioned Officer
O-1	$1,701	$20,412
O-2	$1,890	$22,680
O-3	$2,469	$29,628
O-4	$2,655	$31,860
O-5	$2,784	$33,408
O-6	$2,805	$33,660
O-7	$2,823	$33,876

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,356	$16,272
E-2	$1,356	$16,272
E-3	$1,356	$16,272
E-4	$1,356	$16,272
E-5	$1,422	$17,064
E-6	$1,476	$17,712
E-7	$1,578	$18,936
E-8	$1,749	$20,988
E-9	$1,896	$22,752
Warrant Officer
W-1	$1,548	$18,576
W-2	$1,713	$20,556
W-3	$1,899	$22,788
W-4	$1,938	$23,256
W-5	$2,154	$25,848
Commissioned Officer (Prior Enlisted)
O-1E	$1,662	$19,944
O-2E	$1,827	$21,924
O-3E	$1,920	$23,040
Commissioned Officer
O-1	$1,470	$17,640
O-2	$1,638	$19,656
O-3	$1,902	$22,824
O-4	$2,115	$25,380
O-5	$2,244	$26,928
O-6	$2,457	$29,484
O-7	$2,496	$29,952

30 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Fort Drum/Watertown (NY225) Military Housing Area:

13601 13602 13603 13605 13606 13607 13608 13612 13615 13616 13618 13619 13622 13624 13634 13637 13638 13640 13650 13656 13659 13661 13665 13673 13675 13679 13682 13685 13691 13693

Frequently Asked Questions

What is the BAH rate for an E-5 in Fort Drum/Watertown?

The 2026 BAH rate for an E-5 with dependents in Fort Drum/Watertown, NY is $1,665 per month ($19,980 per year). Without dependents, the rate is $1,422 per month.

How many ZIP codes are in the Fort Drum/Watertown MHA?

The Fort Drum/Watertown Military Housing Area (NY225) includes 30 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.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

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View all New York BAH rates →

How Fort Drum/Watertown, NY BAH compares nationally

This is one of the country's lower-cost military housing areas: 231st of 299 MHAs, with an E-5-with-dependents rate of $1,665/mo — 27.3% under the $2,289 national average. Lower BAH cuts both ways: the allowance is smaller, but it typically stretches further against local rents.

This is the lowest-rate MHA of the 11 in the state; the highest, New York City, NY, pays the same E-5 $3,405 more per month.

Across enlisted grades here, having dependents adds an average of $361/mo (23.1%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.