Updated February 2026

BAH Rates Rochester, NY 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Rochester military housing area (MHA: NY221), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$2,214

$26,568/year

E-5 without Dependents

$1,662

$19,944/year

O-3 with Dependents

$2,757

$33,084/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,941	$23,292
E-2	$1,941	$23,292
E-3	$1,941	$23,292
E-4	$1,941	$23,292
E-5	$2,214	$26,568
E-6	$2,517	$30,204
E-7	$2,604	$31,248
E-8	$2,697	$32,364
E-9	$2,832	$33,984
Warrant Officer
W-1	$2,535	$30,420
W-2	$2,643	$31,716
W-3	$2,760	$33,120
W-4	$2,859	$34,308
W-5	$2,988	$35,856
Commissioned Officer (Prior Enlisted)
O-1E	$2,619	$31,428
O-2E	$2,739	$32,868
O-3E	$2,880	$34,560
Commissioned Officer
O-1	$2,259	$27,108
O-2	$2,514	$30,168
O-3	$2,757	$33,084
O-4	$3,027	$36,324
O-5	$3,222	$38,664
O-6	$3,249	$38,988
O-7	$3,270	$39,240

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,455	$17,460
E-2	$1,455	$17,460
E-3	$1,455	$17,460
E-4	$1,455	$17,460
E-5	$1,662	$19,944
E-6	$1,887	$22,644
E-7	$1,953	$23,436
E-8	$2,280	$27,360
E-9	$2,364	$28,368
Warrant Officer
W-1	$1,902	$22,824
W-2	$2,277	$27,324
W-3	$2,376	$28,512
W-4	$2,532	$30,384
W-5	$2,625	$31,500
Commissioned Officer (Prior Enlisted)
O-1E	$2,211	$26,532
O-2E	$2,343	$28,116
O-3E	$2,508	$30,096
Commissioned Officer
O-1	$1,695	$20,340
O-2	$2,127	$25,524
O-3	$2,403	$28,836
O-4	$2,601	$31,212
O-5	$2,652	$31,824
O-6	$2,736	$32,832
O-7	$2,784	$33,408

41 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Rochester (NY221) Military Housing Area:

10918 14420 14428 14445 14450 14464 14467 14468 14472 14506 14514 14526 14534 14543 14546 14559 14580 14586 14604 14605 14606 14607 14608 14609 14610 14611 14612 14613 14614 14615 14616 14617 14618 14619 14620 14621 14622 14623 14624 14625 14626

Frequently Asked Questions

What is the BAH rate for an E-5 in Rochester?

The 2026 BAH rate for an E-5 with dependents in Rochester, NY is $2,214 per month ($26,568 per year). Without dependents, the rate is $1,662 per month.

How many ZIP codes are in the Rochester MHA?

The Rochester Military Housing Area (NY221) includes 41 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 Rochester, NY BAH compares nationally

BAH here tracks closely with the national picture — an E-5 with dependents draws $2,214/mo against a national MHA average of $2,289 (129th of 299 MHAs). Neither a windfall nor a squeeze; your allowance should roughly match the local rental market's middle.

Statewide, this ranks 8th of 11 MHAs — between New York City, NY ($5,070/mo, highest) and Fort Drum/Watertown, NY ($1,665/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $518/mo (30.2%) 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.