O-1 BAH Rates in New York City, NY (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in New York City, NY is $5,073 per month with dependents and $5,067 per month without dependents. This rate is $2,738 above the national average for O-1.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-1 base pay of $4,320/mo (at 2 years of service) and BAS of $328.48/mo, total monthly compensation in New York City is approximately $9,721.48 with dependents or $9,715.48 without.
O-1 BAH: New York City vs National Average
| New York City | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $5,073 | $2,335 | +$2,738 |
| Without Dependents | $5,067 | $1,975 | +$3,092 |
O-1 Total Monthly Compensation in New York City
Here is how O-1 pay breaks down for a service member with 2 years of service stationed in New York City:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $4,320 | $4,320 |
| BAH | $5,073 | $5,067 |
| BAS | $328.48 | $328.48 |
| Total | $9,721.48 | $9,715.48 |
Base pay shown for 2 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 New York City
- E-3 — $5,067/mo
- E-4 — $5,067/mo
- E-5 — $5,070/mo
- E-6 — $5,097/mo
- E-7 — $5,238/mo
- O-2 — $5,094/mo
- O-3 — $5,529/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-1 in New York City?
The 2026 O-1 BAH rate in New York City is $5,073/mo with dependents and $5,067/mo without dependents.
What is the total monthly pay for O-1 in New York City?
An O-1 with 2 years of service in New York City earns approximately $9,721.48/mo total compensation with dependents (base pay $4,320 + BAH $5,073 + BAS $328.48). Without dependents: $9,715.48/mo.
Is New York City BAH above or below average?
O-1 BAH in New York City is $2,738 above the national average of $2,335/mo with dependents.
O-1 BAH in New York City, NY, in context
An O-1 with dependents in New York City, NY draws $5,073/mo — 117.3% above the national average of $2,335 for this grade (2nd of 299 MHAs). Without dependents the rate is $5,067/mo, a $6 difference.
Promotion changes housing money here: pinning on O-2 raises BAH in this MHA by $21/mo (to $5,094), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.