Updated February 2026

BAH Rates New York City, NY 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the New York City military housing area (MHA: NY219), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$5,070

$60,840/year

E-5 without Dependents

$4,980

$59,760/year

O-3 with Dependents

$5,529

$66,348/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$5,067	$60,804
E-2	$5,067	$60,804
E-3	$5,067	$60,804
E-4	$5,067	$60,804
E-5	$5,070	$60,840
E-6	$5,097	$61,164
E-7	$5,238	$62,856
E-8	$5,418	$65,016
E-9	$5,790	$69,480
Warrant Officer
W-1	$5,100	$61,200
W-2	$5,313	$63,756
W-3	$5,535	$66,420
W-4	$5,883	$70,596
W-5	$6,306	$75,672
Commissioned Officer (Prior Enlisted)
O-1E	$5,271	$63,252
O-2E	$5,502	$66,024
O-3E	$5,949	$71,388
Commissioned Officer
O-1	$5,073	$60,876
O-2	$5,094	$61,128
O-3	$5,529	$66,348
O-4	$6,459	$77,508
O-5	$7,128	$85,536
O-6	$7,194	$86,328
O-7	$7,254	$87,048

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$4,833	$57,996
E-2	$4,833	$57,996
E-3	$4,833	$57,996
E-4	$4,833	$57,996
E-5	$4,980	$59,760
E-6	$5,070	$60,840
E-7	$5,088	$61,056
E-8	$5,100	$61,200
E-9	$5,106	$61,272
Warrant Officer
W-1	$5,085	$61,020
W-2	$5,097	$61,164
W-3	$5,109	$61,308
W-4	$5,118	$61,416
W-5	$5,280	$63,360
Commissioned Officer (Prior Enlisted)
O-1E	$5,094	$61,128
O-2E	$5,103	$61,236
O-3E	$5,115	$61,380
Commissioned Officer
O-1	$5,067	$60,804
O-2	$5,091	$61,092
O-3	$5,112	$61,344
O-4	$5,247	$62,964
O-5	$5,346	$64,152
O-6	$5,514	$66,168
O-7	$5,616	$67,392

63 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the New York City (NY219) Military Housing Area:

10001 10002 10003 10005 10006 10007 10009 10010 10011 10012 10013 10014 10016 10017 10018 10019 10020 10021 10022 10023 10024 10025 10026 10027 10028 10029 10030 10031 10032 10033 10034 10035 10036 10037 10038 10039 10040 10041 10044 10048 10103 10111 10112 10115 10119 10128 10152 10153 10154 10162 10165 10167 10169 10170 10171 10172 10173 10177 10271 10278 10279 10280 10282

Frequently Asked Questions

What is the BAH rate for an E-5 in New York City?

The 2026 BAH rate for an E-5 with dependents in New York City, NY is $5,070 per month ($60,840 per year). Without dependents, the rate is $4,980 per month.

How many ZIP codes are in the New York City MHA?

The New York City Military Housing Area (NY219) includes 63 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

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all New York BAH rates →

How New York City, NY BAH compares nationally

New York City, NY is the 2nd most expensive of the 299 military housing areas nationwide — an E-5 with dependents draws $5,070/mo here, 121.5% above the national MHA average of $2,289. Rates this high usually track tight rental markets, so run the numbers before deciding to live on the local economy.

Within the state, this is the highest-rate MHA of 11; the lowest is Fort Drum/Watertown, NY at $1,665/mo for the same E-5 — a $3,405 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $245/mo (4.9%) 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.