New York City has the second-highest BAH in the nation: an E-5 with dependents gets ,070/month, essentially flat from 2025 (down 0.1%). Coast Guard and recruiting families in the five boroughs should budget tightly anyway. Full 2026 table below.
2026 BAH rates: New York City, NY
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E1 | $5,067 | $4,833 |
| E2 | $5,067 | $4,833 |
| E3 | $5,067 | $4,833 |
| E4 | $5,067 | $4,833 |
| E5 | $5,070 | $4,980 |
| E6 | $5,097 | $5,070 |
| E7 | $5,238 | $5,088 |
| E8 | $5,418 | $5,100 |
| E9 | $5,790 | $5,106 |
| W1 | $5,100 | $5,085 |
| W2 | $5,313 | $5,097 |
| W3 | $5,535 | $5,109 |
| W4 | $5,883 | $5,118 |
| W5 | $6,306 | $5,280 |
| O1E | $5,271 | $5,094 |
| O2E | $5,502 | $5,103 |
| O3E | $5,949 | $5,115 |
| O1 | $5,073 | $5,067 |
| O2 | $5,094 | $5,091 |
| O3 | $5,529 | $5,112 |
| O4 | $6,459 | $5,247 |
| O5 | $7,128 | $5,346 |
| O6 | $7,194 | $5,514 |
| O7 | $7,254 | $5,616 |
| O8 | $7,254 | $5,616 |
| O9 | $7,254 | $5,616 |
| O10 | $7,254 | $5,616 |
Notes
- O-8, O-9 and O-10 are paid at the O-7 rate, per DTMO tables.
- BAH is tax-free and rate-protected: your rate cannot drop while you stay in the same area.
- Use the BAH Calculator 2027 for an exact figure by ZIP code, or try the duty-station comparison before a PCS.