Updated February 2026

BAH Rates Westchester County, NY 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Westchester County military housing area (MHA: NY349), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$4,479

$53,748/year

E-5 without Dependents

$3,606

$43,272/year

O-3 with Dependents

$6,633

$79,596/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$4,182	$50,184
E-2	$4,182	$50,184
E-3	$4,182	$50,184
E-4	$4,182	$50,184
E-5	$4,479	$53,748
E-6	$5,367	$64,404
E-7	$5,832	$69,984
E-8	$6,333	$75,996
E-9	$6,882	$82,584
Warrant Officer
W-1	$5,400	$64,800
W-2	$6,036	$72,432
W-3	$6,654	$79,848
W-4	$6,963	$83,556
W-5	$7,338	$88,056
Commissioned Officer (Prior Enlisted)
O-1E	$5,931	$71,172
O-2E	$6,564	$78,768
O-3E	$7,023	$84,276
Commissioned Officer
O-1	$4,587	$55,044
O-2	$5,355	$64,260
O-3	$6,633	$79,596
O-4	$7,470	$89,640
O-5	$8,064	$96,768
O-6	$8,136	$97,632
O-7	$8,208	$98,496

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,138	$37,656
E-2	$3,138	$37,656
E-3	$3,138	$37,656
E-4	$3,138	$37,656
E-5	$3,606	$43,272
E-6	$4,026	$48,312
E-7	$4,374	$52,488
E-8	$4,749	$56,988
E-9	$5,163	$61,956
Warrant Officer
W-1	$4,086	$49,032
W-2	$4,653	$55,836
W-3	$5,166	$61,992
W-4	$5,478	$65,736
W-5	$5,946	$71,352
Commissioned Officer (Prior Enlisted)
O-1E	$4,476	$53,712
O-2E	$4,923	$59,076
O-3E	$5,361	$64,332
Commissioned Officer
O-1	$3,885	$46,620
O-2	$4,383	$52,596
O-3	$5,169	$62,028
O-4	$5,874	$70,488
O-5	$6,162	$73,944
O-6	$6,633	$79,596
O-7	$6,759	$81,108

69 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Westchester County (NY349) Military Housing Area:

10501 10502 10503 10504 10506 10507 10510 10511 10514 10518 10519 10520 10522 10523 10526 10527 10528 10530 10532 10533 10535 10536 10538 10543 10546 10547 10548 10549 10550 10552 10553 10560 10562 10566 10567 10570 10573 10576 10577 10578 10580 10583 10588 10589 10590 10591 10594 10595 10597 10598 10601 10603 10604 10605 10606 10607 10701 10703 10704 10705 10706 10707 10708 10709 10710 10801 10803 10804 10805

Frequently Asked Questions

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

The 2026 BAH rate for an E-5 with dependents in Westchester County, NY is $4,479 per month ($53,748 per year). Without dependents, the rate is $3,606 per month.

How many ZIP codes are in the Westchester County MHA?

The Westchester County Military Housing Area (NY349) includes 69 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 Westchester County, NY BAH compares nationally

Westchester County, NY is the 6th most expensive of the 299 military housing areas nationwide — an E-5 with dependents draws $4,479/mo here, 95.7% 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.

Statewide, this ranks 2nd 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 $1,239/mo (32.3%) 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.