O-2 BAH Rates in NEW YORK CITY, NY (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in NEW YORK CITY, NY is $5,094 per month with dependents and $5,091 per month without dependents. This rate is $2,486 above 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 NEW YORK CITY is approximately $11,906.98 with dependents or $11,903.98 without.
O-2 BAH: NEW YORK CITY vs National Average
| NEW YORK CITY | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $5,094 | $2,608 | +$2,486 |
| Without Dependents | $5,091 | $2,243 | +$2,848 |
O-2 Total Monthly Compensation in NEW YORK CITY
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in NEW YORK CITY:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $5,094 | $5,091 |
| BAS | $328.48 | $328.48 |
| Total | $11,906.98 | $11,903.98 |
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 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-1 — $5,073/mo
- O-3 — $5,529/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in NEW YORK CITY?
The 2026 O-2 BAH rate in NEW YORK CITY is $5,094/mo with dependents and $5,091/mo without dependents.
What is the total monthly pay for O-2 in NEW YORK CITY?
An O-2 with 4 years of service in NEW YORK CITY earns approximately $11,906.98/mo total compensation with dependents (base pay $6,484.5 + BAH $5,094 + BAS $328.48). Without dependents: $11,903.98/mo.
Is NEW YORK CITY BAH above or below average?
O-2 BAH in NEW YORK CITY is $2,486 above the national average of $2,608/mo with dependents.