5 guides in New York: 3 Army and 2 Air Force installations. At E-5 with dependents, 2026 BAH runs from $1,665 a month at Fort Drum to $3,468 at Stewart Air National Guard Base and United States Military Academy at West Point, across 4 housing areas, set against HUD's fair market rent for a 3-bedroom home near each.
Rates last verified August 2026 against the published source tables.
5 guides · NY relief depends on keeping your home outside New York · TRICARE East (Humana) · E-5 with dependents: $1,665 to $3,468 BAH across 4 housing areas
| Installation | City | Branch | Allowance at E-5 with dependents | Against local rent |
|---|---|---|---|---|
| Fort Drum | Watertown | Army | $1,665 BAH | Falls $330 short of a 3-bedroom |
| Niagara Falls Air Reserve Station | Niagara Falls | Air Force | $2,214 BAH | Covers a 3-bedroom with $482 to spare |
| Stewart Air National Guard Base | Newburgh | Air Force | $3,468 BAH | Covers a 3-bedroom with $783 to spare |
| United States Military Academy at West Point | West Point | Army | $3,468 BAH | Covers a 3-bedroom with $783 to spare |
| Watervliet Arsenal | Watervliet | Army | $2,634 BAH | Covers a 3-bedroom with $595 to spare |
At E-5 with dependents, 2026 BAH goes furthest at Stewart Air National Guard Base and United States Military Academy at West Point, where it covers a 3-bedroom with $783 to spare, and least far at Fort Drum, where it falls $330 short of a 3-bedroom. It covers HUD's 3-bedroom rent at 4 of the 5 installations.
| Installation | 2026 BAH | HUD 3-bedroom rent | After rent |
|---|---|---|---|
| Stewart Air National Guard Base | $3,468 | $2,685 | $783 left |
| United States Military Academy at West Point | $3,468 | $2,685 | $783 left |
| Watervliet Arsenal | $2,634 | $2,039 | $595 left |
| Niagara Falls Air Reserve Station | $2,214 | $1,732 | $482 left |
| Fort Drum | $1,665 | $1,995 | $330 short |
HUD's FY2027 fair market rent is the 40th-percentile gross rent for the area, utilities included, which is what BAH is meant to cover; it is a benchmark, not a listing. Source: HUD.
New York. New York taxes a New York domiciliary's military pay as far as it is federally taxable, unless, for the whole year, the member kept no permanent home in New York, kept one outside it, and spent no more than 30 days in the state, or served abroad at least 450 days of a 548-day period and spent no more than 90 of them in New York. Combat-zone pay is exempt. Non-NY residents stationed in NY are protected by SCRA.
SCRA. Under the Servicemembers Civil Relief Act your military pay is taxed by the state you are domiciled in, not by the one your duty station sits in. Being assigned to an installation in New York does not by itself change which state may tax you, and it does not create a filing obligation where you are stationed.
TRICARE East. Care at all 5 installations in New York falls under the TRICARE East region, administered by Humana Military — enrollment and claims run through 800-444-5445.
Maintained by PCS Calculator, an independent site run by an active-duty service member. BAH checked against DTMO's 2026 table on 19 August 2026; rents from HUD's FY2027 fair market rents, fetched 28 September 2026; state tax treatment of military pay checked 19 August 2026; TRICARE regions checked 27 August 2026. This page was last updated 4 November 2026. How every figure on this site is checked