BAH 2026Military housing area NY225
Fort Drum/Watertown, NY BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Fort Drum/Watertown, NY military housing area, with and without dependents, and the 58 ZIP codes it covers.
On this page5 sections
- E‑5 with dependents
- $1,665a month246th highest of 338
- E‑5 without dependents
- $1,422a month
- O‑3 with dependents
- $2,469a monthtied for 186th highest of 338
- ZIP codes
- 58in this DoD area
Fort Drum/Watertown, NY pays $1,665 a month for an E‑5 with dependents: the 246th 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 NY225. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $1,569 | $1,356 |
| E‑2 | $1,569 | $1,356 |
| E‑3 | $1,569 | $1,356 |
| E‑4 | $1,569 | $1,356 |
| E‑5 | $1,665 | $1,422 |
| E‑6 | $1,893 | $1,476 |
| E‑7 | $2,103 | $1,578 |
| E‑8 | $2,331 | $1,749 |
| E‑9 | $2,526 | $1,896 |
| Warrant officers | ||
| W‑1 | $1,914 | $1,548 |
| W‑2 | $2,196 | $1,713 |
| W‑3 | $2,478 | $1,899 |
| W‑4 | $2,544 | $1,938 |
| W‑5 | $2,631 | $2,154 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $2,145 | $1,662 |
| O‑2E | $2,436 | $1,827 |
| O‑3E | $2,559 | $1,920 |
| Officers | ||
| O‑1 | $1,701 | $1,470 |
| O‑2 | $1,890 | $1,638 |
| O‑3 | $2,469 | $1,902 |
| O‑4 | $2,655 | $2,115 |
| O‑5 | $2,784 | $2,244 |
| O‑6 | $2,805 | $2,457 |
| O‑7 | $2,823 | $2,496 |
| O‑8† | $2,823 | $2,496 |
| O‑9† | $2,823 | $2,496 |
| O‑10† | $2,823 | $2,496 |
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 58 ZIP codes in Fort Drum/Watertown, NY (NY225). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 13602, the ZIP of Fort Drum.
Show all 58 ZIP codesAll 58 ZIP codes
- 133xx
- 13305 13312 13325 13327 13343 13345 13367 13368
- 134xx
- 13404 13433 13473 13489
- 136xx
- 13601 13602 13603 13605 13606 13607 13608 13611 13612 13615 13616 13618 13619 13620 13622 13624 13626 13627 13628 13631 13632 13634 13636 13637 13638 13640 13641 13643 13648 13650 13651 13656 13657 13659 13661 13665 13671 13673 13674 13675 13679 13682 13685 13691 13692 13693
Installations whose address is in this area
Military OneSource lists these installations at a ZIP code in NY225; the ZIP shown is the one in each installation’s main contact address.
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.