FORT DRUM/WATERTOWN, NY · MHA NY225 · effective January 1, 2026
Fort Drum BAH Rates 2026
Official 2026 Basic Allowance for Housing rates for Fort Drum, which falls in the Fort Drum/Watertown, NY housing area (NY225). An E-5 with dependents receives $1,665 per month here ($1,422 without dependents).
That is about 25% below the $2,225 average across all 338 military housing areas, ranking 246 of 338. BAH is tax-free, and most members also draw BAS at $476.95/month (enlisted).
E-4 with dependents
$1,569/mo
$1,356 without
E-5 with dependents
$1,665/mo
$1,422 without
E-6 with dependents
$1,893/mo
$1,476 without
E-7 with dependents
$2,103/mo
$1,578 without
O-1 with dependents
$1,701/mo
$1,470 without
O-3 with dependents
$2,469/mo
$1,902 without
2026 BAH rates at Fort Drum — all pay grades
Monthly, tax-free. O-1E/O-2E/O-3E are officers with prior enlisted service.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| 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 |
| 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 |
| O-1E | $2,145 | $1,662 |
| O-2E | $2,436 | $1,827 |
| O-3E | $2,559 | $1,920 |
| 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 |
Need a different location? Use the BAH calculator to look up any US ZIP code.
Which ZIP codes get the Fort Drum rate
Housing area NY225 covers 58 ZIP codes. If your duty station falls in any of them you receive the rates on this page, whatever your home address. At this location the with-dependents rate runs 17% above the without-dependents rate, and pay grades span $1,569 to $2,823 per month.
ZIP codes in NY225
13305, 13312, 13325, 13327, 13343, 13345, 13367, 13368, 13404, 13433, 13473, 13489, 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
Not listed? Look up any US ZIP with the BAH calculator.
Installations with similar BAH to Fort Drum
An E-5 with dependents draws $1,665/month here — $19,980 a year, tax-free. These bases pay closest to the same:
| Installation | Area | E-5 w/ dependents |
|---|---|---|
| Fort Drum | Fort Drum/Watertown, NY | $1,665 |
| Wright-Patterson AFB | Wright-Patterson AFB, OH | $1,650 |
| Fort Knox | Fort Knox, KY | $1,647 |
| Tinker AFB | Oklahoma City, OK | $1,644 |
| Fort Hood | Fort Hood, TX | $1,695 |
What these rates mean at Fort Drum
Your BAH is fixed by your duty-station ZIP code, pay grade and dependency status — not by your actual rent or where in the area you choose to live. Everyone assigned to Fort Drum at the same grade and dependency status receives the identical amount, so housing cheaper than your allowance leaves money in your pocket, and anything above it comes out of your own.
Rates are re-set every January from fresh local rental surveys. Individual rate protection means your BAH will not fall while you stay at Fort Drum in the same grade with the same dependency status, even if the published rate for the area drops.
To see BAH alongside basic pay and BAS for your total monthly compensation, use the military pay calculator, or check basic pay by rank on the 2026 military pay chart.
Frequently asked questions
What is the BAH rate at Fort Drum in 2026?
An E-5 with dependents assigned to Fort Drum receives $1,665 per month in 2026, or $1,422 without dependents. Fort Drum sits in the FORT DRUM/WATERTOWN, NY military housing area (NY225). Rates vary by pay grade — the full table is on this page.
Is BAH at Fort Drum higher or lower than average?
For an E-5 with dependents, Fort Drum pays $1,665 against a $2,225 average across all 338 housing areas — about 25% below the national mean, ranking 246 of 338 areas.
Does BAH at Fort Drum depend on where I actually live?
No. Your BAH is set by your duty-station ZIP code, not your home address, so everyone assigned to Fort Drum at the same grade and dependency status receives the same rate. If you rent for less than your BAH you keep the difference; if you spend more, you cover it.
BAH rates at other installations
Source
Rates are the 2026 tables published by the Defense Travel Management Office for military housing area NY225 (FORT DRUM/WATERTOWN, NY), effective January 1, 2026. Installation-to-area mapping uses the official DTMO ZIP file (duty-station ZIP 13602). This page is for estimation; your finance office is the authority on your entitlement.