Fort Drum / Watertown, NY BAH Rates (2025)
Basic Allowance for Housing (BAH) for Fort Drum / Watertown, NY in 2025 ranges from $1,194 to $2,694 per month, depending on your pay grade and whether you have dependents. BAH is tax-free.
The table below shows the full 2025 monthly BAH rates for Fort Drum / Watertown, NY (Military Housing Area NY225) for every pay grade, both with and without dependents.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,494 | $1,194 |
| E-2 | $1,494 | $1,194 |
| E-3 | $1,494 | $1,194 |
| E-4 | $1,494 | $1,194 |
| E-5 | $1,581 | $1,323 |
| E-6 | $1,800 | $1,404 |
| E-7 | $2,019 | $1,515 |
| E-8 | $2,256 | $1,692 |
| E-9 | $2,448 | $1,836 |
| W-1 | $1,821 | $1,476 |
| W-2 | $2,118 | $1,629 |
| W-3 | $2,409 | $1,839 |
| W-4 | $2,463 | $1,857 |
| W-5 | $2,535 | $2,073 |
| O-1E | $2,061 | $1,578 |
| O-2E | $2,367 | $1,776 |
| O-3E | $2,472 | $1,854 |
| O-1 | $1,617 | $1,401 |
| O-2 | $1,797 | $1,557 |
| O-3 | $2,400 | $1,842 |
| O-4 | $2,553 | $2,031 |
| O-5 | $2,652 | $2,169 |
| O-6 | $2,673 | $2,391 |
| O-7 | $2,694 | $2,433 |
For example, an E-5 in Fort Drum / Watertown, NY receives $1,581/month with dependents or $1,323/month without. An O-3 receives $2,400 / $1,842.
See your full take-home pay for Fort Drum / Watertown, NY — pre-loaded with this location, plus basic pay, BAS, and taxes.
Calculate my Fort Drum / Watertown pay →How BAH works in Fort Drum / Watertown, NY
BAH is set by the cost of rental housing in the Fort Drum / Watertown, NY Military Housing Area, your pay grade, and your dependent status. It is paid monthly and is not taxed. Higher ranks and members with dependents receive more. Because it reflects local rents, Fort Drum / Watertown, NY's rates differ from other locations — compare yours in the calculator.
These are the official 2025 rates (the latest complete public dataset). 2026 BAH rose about 4.2% on average nationwide; for an exact current figure, enter your ZIP in the military pay calculator or check the DoD BAH lookup. Learn more in our 2026 BAH guide.
Other BAH rates in New York
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Frequently asked questions
How much is BAH in Fort Drum / Watertown, NY for an E-5?
In 2025, BAH for an E-5 in Fort Drum / Watertown, NY is $1,581/month with dependents and $1,323/month without dependents.
How much is BAH for an E-7 in Fort Drum / Watertown, NY?
An E-7 in Fort Drum / Watertown, NY receives $2,019/month with dependents ($1,515 without) in 2025.
Is BAH in Fort Drum / Watertown, NY taxable?
No. BAH is not subject to federal income tax, so you keep the full amount.