O-2 BAH Rates in Westchester County, NY (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Westchester County, NY is $5,355 per month with dependents and $4,383 per month without dependents. This rate is $2,747 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 Westchester County is approximately $12,167.98 with dependents or $11,195.98 without.
O-2 BAH: Westchester County vs National Average
| Westchester County | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $5,355 | $2,608 | +$2,747 |
| Without Dependents | $4,383 | $2,243 | +$2,140 |
O-2 Total Monthly Compensation in Westchester County
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Westchester County:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $5,355 | $4,383 |
| BAS | $328.48 | $328.48 |
| Total | $12,167.98 | $11,195.98 |
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 Westchester County
- E-3 — $4,182/mo
- E-4 — $4,182/mo
- E-5 — $4,479/mo
- E-6 — $5,367/mo
- E-7 — $5,832/mo
- O-1 — $4,587/mo
- O-3 — $6,633/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in Westchester County?
The 2026 O-2 BAH rate in Westchester County is $5,355/mo with dependents and $4,383/mo without dependents.
What is the total monthly pay for O-2 in Westchester County?
An O-2 with 4 years of service in Westchester County earns approximately $12,167.98/mo total compensation with dependents (base pay $6,484.5 + BAH $5,355 + BAS $328.48). Without dependents: $11,195.98/mo.
Is Westchester County BAH above or below average?
O-2 BAH in Westchester County is $2,747 above the national average of $2,608/mo with dependents.
O-2 BAH in Westchester County, NY, in context
An O-2 with dependents in Westchester County, NY draws $5,355/mo — 105.3% above the national average of $2,608 for this grade (2nd of 299 MHAs). Without dependents the rate is $4,383/mo, a $972 difference.
Promotion changes housing money here: pinning on O-3 raises BAH in this MHA by $1,278/mo (to $6,633), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.