O-2 BAH Rates in Fort Drum/Watertown, NY (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Fort Drum/Watertown, NY is $1,890 per month with dependents and $1,638 per month without dependents. This rate is $718 below the national average for O-2.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-2 base pay of $6,484.5/mo (at 4 years of service) and BAS of $328.48/mo, total monthly compensation in Fort Drum/Watertown is approximately $8,702.98 with dependents or $8,450.98 without.
O-2 BAH: Fort Drum/Watertown vs National Average
| Fort Drum/Watertown | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $1,890 | $2,608 | −$718 |
| Without Dependents | $1,638 | $2,243 | −$605 |
O-2 Total Monthly Compensation in Fort Drum/Watertown
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Fort Drum/Watertown:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $1,890 | $1,638 |
| BAS | $328.48 | $328.48 |
| Total | $8,702.98 | $8,450.98 |
Base pay shown for 4 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.
Other Ranks in Fort Drum/Watertown
- E-3 — $1,569/mo
- E-4 — $1,569/mo
- E-5 — $1,665/mo
- E-6 — $1,893/mo
- E-7 — $2,103/mo
- O-1 — $1,701/mo
- O-3 — $2,469/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in Fort Drum/Watertown?
The 2026 O-2 BAH rate in Fort Drum/Watertown is $1,890/mo with dependents and $1,638/mo without dependents.
What is the total monthly pay for O-2 in Fort Drum/Watertown?
An O-2 with 4 years of service in Fort Drum/Watertown earns approximately $8,702.98/mo total compensation with dependents (base pay $6,484.5 + BAH $1,890 + BAS $328.48). Without dependents: $8,450.98/mo.
Is Fort Drum/Watertown BAH above or below average?
O-2 BAH in Fort Drum/Watertown is $718 below the national average of $2,608/mo with dependents.
O-2 BAH in Fort Drum/Watertown, NY, in context
An O-2 with dependents in Fort Drum/Watertown, NY draws $1,890/mo — 27.5% below the national average of $2,608 for this grade (249th of 299 MHAs). Without dependents the rate is $1,638/mo, a $252 difference.
Promotion changes housing money here: pinning on O-3 raises BAH in this MHA by $579/mo (to $2,469), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.