BAH 2026Military housing area NY221
Rochester, NY BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Rochester, NY military housing area, with and without dependents, and the 62 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,214a monthtied for 134th highest of 338
- E‑5 without dependents
- $1,662a month
- O‑3 with dependents
- $2,757a month137th highest of 338
- ZIP codes
- 62in this DoD area
Rochester, NY pays $2,214 a month for an E‑5 with dependents: the tied for 134th highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.
Monthly BAH by grade, 2026
The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for NY221. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,941 | $1,455 |
| E‑2 | $1,941 | $1,455 |
| E‑3 | $1,941 | $1,455 |
| E‑4 | $1,941 | $1,455 |
| E‑5 | $2,214 | $1,662 |
| E‑6 | $2,517 | $1,887 |
| E‑7 | $2,604 | $1,953 |
| E‑8 | $2,697 | $2,280 |
| E‑9 | $2,832 | $2,364 |
| Warrant officers | ||
| W‑1 | $2,535 | $1,902 |
| W‑2 | $2,643 | $2,277 |
| W‑3 | $2,760 | $2,376 |
| W‑4 | $2,859 | $2,532 |
| W‑5 | $2,988 | $2,625 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,619 | $2,211 |
| O‑2E | $2,739 | $2,343 |
| O‑3E | $2,880 | $2,508 |
| Officers | ||
| O‑1 | $2,259 | $1,695 |
| O‑2 | $2,514 | $2,127 |
| O‑3 | $2,757 | $2,403 |
| O‑4 | $3,027 | $2,601 |
| O‑5 | $3,222 | $2,652 |
| O‑6 | $3,249 | $2,736 |
| O‑7 | $3,270 | $2,784 |
| O‑8† | $3,270 | $2,784 |
| O‑9† | $3,270 | $2,784 |
| O‑10† | $3,270 | $2,784 |
E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.
ZIP codes in this area
DoD’s 2026 file puts these 62 ZIP codes in Rochester, NY (NY221). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 14410, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 62 ZIP codesAll 62 ZIP codes
- 144xx
- 14410 14420 14428 14430 14445 14450 14464 14467 14468 14472
- 145xx
- 14506 14508 14511 14514 14515 14526 14534 14543 14546 14559 14580 14586
- 146xx
- 14602 14603 14604 14605 14606 14607 14608 14609 14610 14611 14612 14613 14614 14615 14616 14617 14618 14619 14620 14621 14622 14623 14624 14625 14626 14627 14638 14639 14642 14643 14644 14646 14647 14649 14650 14651 14652 14653 14692 14694
Other areas in New York
Areas whose DoD code starts with NY, with the E‑5 with-dependents rate for 2026.
How these rates work
- BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
- Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
- ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.