BAH 2026Military housing area NY349
Westchester County, NY BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Westchester County, NY military housing area, with and without dependents, and the 90 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $4,479a month6th highest of 338
- E‑5 without dependents
- $3,606a month
- O‑3 with dependents
- $6,633a month1st highest of 338
- ZIP codes
- 90in this DoD area
Westchester County, NY pays $4,479 a month for an E‑5 with dependents: the 6th 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 NY349. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $4,182 | $3,138 |
| E‑2 | $4,182 | $3,138 |
| E‑3 | $4,182 | $3,138 |
| E‑4 | $4,182 | $3,138 |
| E‑5 | $4,479 | $3,606 |
| E‑6 | $5,367 | $4,026 |
| E‑7 | $5,832 | $4,374 |
| E‑8 | $6,333 | $4,749 |
| E‑9 | $6,882 | $5,163 |
| Warrant officers | ||
| W‑1 | $5,400 | $4,086 |
| W‑2 | $6,036 | $4,653 |
| W‑3 | $6,654 | $5,166 |
| W‑4 | $6,963 | $5,478 |
| W‑5 | $7,338 | $5,946 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $5,931 | $4,476 |
| O‑2E | $6,564 | $4,923 |
| O‑3E | $7,023 | $5,361 |
| Officers | ||
| O‑1 | $4,587 | $3,885 |
| O‑2 | $5,355 | $4,383 |
| O‑3 | $6,633 | $5,169 |
| O‑4 | $7,470 | $5,874 |
| O‑5 | $8,064 | $6,162 |
| O‑6 | $8,136 | $6,633 |
| O‑7 | $8,208 | $6,759 |
| O‑8† | $8,208 | $6,759 |
| O‑9† | $8,208 | $6,759 |
| O‑10† | $8,208 | $6,759 |
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 90 ZIP codes in Westchester County, NY (NY349). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 10501, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 90 ZIP codesAll 90 ZIP codes
- 105xx
- 10501 10502 10503 10504 10505 10506 10507 10509 10510 10511 10512 10514 10516 10517 10518 10519 10520 10521 10522 10523 10524 10526 10527 10528 10530 10532 10533 10535 10536 10537 10538 10540 10541 10542 10543 10545 10546 10547 10548 10549 10550 10551 10552 10553 10560 10562 10566 10567 10570 10573 10576 10577 10578 10579 10580 10583 10587 10588 10589 10590 10591 10594 10595 10596 10597 10598
- 106xx
- 10601 10602 10603 10604 10605 10606 10607 10610
- 107xx
- 10701 10702 10703 10704 10705 10706 10707 10708 10709 10710
- 108xx
- 10801 10802 10803 10804 10805
- 125xx
- 12563
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.