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.

View all New York BAH rates →