O-3 BAH Rates in FORT DRUM/WATERTOWN, NY (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in FORT DRUM/WATERTOWN, NY is $2,469 per month with dependents and $1,902 per month without dependents. This rate is $390 below the national average for O-3.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-3 base pay of $7,737/mo (at 6 years of service) and BAS of $328.48/mo, total monthly compensation in FORT DRUM/WATERTOWN is approximately $10,534.48 with dependents or $9,967.48 without.
O-3 BAH: FORT DRUM/WATERTOWN vs National Average
| FORT DRUM/WATERTOWN | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,469 | $2,859 | $-390 |
| Without Dependents | $1,902 | $2,493 | $-591 |
O-3 Total Monthly Compensation in FORT DRUM/WATERTOWN
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in FORT DRUM/WATERTOWN:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $2,469 | $1,902 |
| BAS | $328.48 | $328.48 |
| Total | $10,534.48 | $9,967.48 |
Base pay shown for 6 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-2 — $1,890/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in FORT DRUM/WATERTOWN?
The 2026 O-3 BAH rate in FORT DRUM/WATERTOWN is $2,469/mo with dependents and $1,902/mo without dependents.
What is the total monthly pay for O-3 in FORT DRUM/WATERTOWN?
An O-3 with 6 years of service in FORT DRUM/WATERTOWN earns approximately $10,534.48/mo total compensation with dependents (base pay $7,737 + BAH $2,469 + BAS $328.48). Without dependents: $9,967.48/mo.
Is FORT DRUM/WATERTOWN BAH above or below average?
O-3 BAH in FORT DRUM/WATERTOWN is $390 below the national average of $2,859/mo with dependents.