Fort Drum/Watertown, NY BAH Rates 2026
The Fort Drum/Watertown, NY Military Housing Area (MHA NY225) covers 58 ZIP codes in New York, including 13305 and 13627. Every duty station inside those ZIP codes pays the 2026 locality BAH rates in the table below, whatever installation you are assigned to. An E-5 with dependents stationed here receives $1,665 per month in tax-free BAH, and an O-3 without dependents receives $1,902 per month.
Last updated: October 2026
Your BAH in Fort Drum/Watertown
2026 BAH rate table for Fort Drum/Watertown, NY
The full published 2026 locality table for MHA NY225, monthly amounts in US dollars:
| Pay grade | Without dependents | With dependents |
|---|---|---|
| E-1 | $1,356 | $1,569 |
| E-2 | $1,356 | $1,569 |
| E-3 | $1,356 | $1,569 |
| E-4 | $1,356 | $1,569 |
| E-5 | $1,422 | $1,665 |
| E-6 | $1,476 | $1,893 |
| E-7 | $1,578 | $2,103 |
| E-8 | $1,749 | $2,331 |
| E-9 | $1,896 | $2,526 |
| W-1 | $1,548 | $1,914 |
| W-2 | $1,713 | $2,196 |
| W-3 | $1,899 | $2,478 |
| W-4 | $1,938 | $2,544 |
| W-5 | $2,154 | $2,631 |
| O-1 | $1,470 | $1,701 |
| O-2 | $1,638 | $1,890 |
| O-3 | $1,902 | $2,469 |
| O-4 | $2,115 | $2,655 |
| O-5 | $2,244 | $2,784 |
| O-6 | $2,457 | $2,805 |
| O-7+ | $2,496 | $2,823 |
Rates took effect on January 1, 2026. The O-7+ row also covers O-8, O-9, and O-10, who are paid at the O-7 locality rate. BAH is a tax-free allowance, so these amounts are worth more than the same figures in taxable basic pay.
Worked examples for Fort Drum/Watertown
An E-5 with dependents in this area receives $1,665 per month, or $19,980 over a full year. An E-7 with dependents receives $2,103 per month ($25,236 per year). An O-3 without dependents receives $1,902 per month ($22,824 per year). If your rent comes in below your rate, you keep the difference; if it runs above, the difference comes out of pocket.
Good to know about BAH in this area
Rate protection: if 2026 rates for this area fell for your grade, you keep your earlier higher rate for as long as you stay at this duty station with no break in eligibility. Changing stations: when you PCS, this table stops applying and the new station's MHA table takes over. Barracks and government quarters: members living in government quarters generally do not receive BAH, with narrow exceptions such as having dependents who live elsewhere. Finding your ZIP: if you are unsure which MHA your orders fall under, check the ZIP code of your duty station against the official lookup linked below.
BAH rates in nearby areas
- Ballston Spa/Albany, NY BAH rates (MHA NY215)
- Buffalo, NY BAH rates (MHA NY216)
- Long Island, NY BAH rates (MHA NY218)
- New York City, NY BAH rates (MHA NY219)
See the full index of 2026 BAH rates by location, or use the BAH calculator for the RC/Transient baseline rates and a deeper guide to how BAH works.
Fort Drum/Watertown BAH FAQs
What is the 2026 BAH rate for an E-5 in Fort Drum/Watertown?
An E-5 in the Fort Drum/Watertown, NY area (NY225) receives $1,665 per month with dependents or $1,422 per month without dependents in 2026. BAH is tax-free, and the rate took effect on January 1, 2026.
What is the highest BAH rate in Fort Drum/Watertown?
The highest 2026 locality rate in Fort Drum/Watertown, NY is $2,823 per month, paid to an O-7 through O-10 with dependents. Rates top out at the O-7 level: O-8, O-9, and O-10 are paid at the same locality rate as O-7.
Does this BAH table apply to every installation in the Fort Drum/Watertown area?
Yes. BAH is set by duty station ZIP code, not by installation. This MHA covers 58 ZIP codes, and every duty station inside them uses this same table for 2026, across all services.
Why is my BAH different from the 2026 table?
Common reasons are BAH rate protection (you keep a higher earlier rate while you stay at the same station), a dependent status that differs from the one you looked up, or living in government quarters, where BAH generally is not paid. Your LES and your finance office are the final word on your individual rate.