United States Military Academy at West Point
West Point, New York · Army
West Point is the nation's premier military university, graduating Army officers since 1802 and located along the Hudson River 50 miles north of New York City.
Quick Facts
Location
West Point, NY
Branch
Army
MHA
West Point, NY
E-5 w/dep BAH
$3,468/mo
State Tax
5.5% (New York)
CONUS COLA
Eligible (moderate-high)
2026 BAH Rates — West Point, NY
Monthly rates. Source: DTMO 2026 BAH data. BAH is not taxable income.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| Enlisted | ||
| E-1 (PVT/SR/Amn/Pvt) | $3,258 | $2,514 |
| E-2 (PV2/FA/A1C/PFC) | $3,258 | $2,514 |
| E-3 (PFC/SA/SrA/LCpl) | $3,258 | $2,514 |
| E-4 (SPC/Cpl/SN/Cpl) | $3,258 | $2,514 |
| E-5 (SGT/PO2/SSgt) | $3,468 | $2,859 |
| E-6 (SSG/PO1/TSgt) | $4,119 | $3,090 |
| E-7 (SFC/CPO/MSgt) | $4,215 | $3,264 |
| E-8 (MSG/1SG/SCPO) | $4,317 | $3,600 |
| E-9 (SGM/CSM/MCPO) | $4,521 | $3,795 |
| Warrant Officer | ||
| W-1 (WO1) | $4,140 | $3,195 |
| W-2 (CW2) | $4,257 | $3,597 |
| W-3 (CW3) | $4,383 | $3,819 |
| W-4 (CW4) | $4,572 | $4,137 |
| W-5 (CW5) | $4,806 | $4,236 |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $4,230 | $3,465 |
| O-2E (1LT — prior enlisted) | $4,362 | $3,753 |
| O-3E (CPT — prior enlisted) | $4,608 | $4,113 |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $3,549 | $3,045 |
| O-2 (1LT/LTJG/1stLt) | $4,113 | $3,402 |
| O-3 (CPT/LT/Capt) | $4,380 | $3,882 |
| O-4 (MAJ/LCDR/Maj) | $4,884 | $4,215 |
| O-5 (LTC/CDR/LtCol) | $5,253 | $4,269 |
| O-6 (COL/CAPT/Col) | $5,298 | $4,362 |
| O-7 (BG/RDML/BGen) | $5,340 | $4,440 |
O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026.
How This Market Compares
E-5 w/dep BAH here
$3,468/mo
National avg E-5 w/dep
$1,987/mo
vs. National avg
+$1,481/mo
West Point falls in the New York City metro MHA with very high BAH rates. Officers and faculty assigned here benefit from those rates, though the area's high cost of living consumes much of the BAH advantage.
Key Insights for United States Military Academy at West Point
An E-5 with dependents receives $3,468/month BAH — or $41,616/year — to cover housing costs in the West Point, NY area.
New York taxes military base pay at approximately 5.5%. BAH and BAS remain tax-free at the federal and state level.
Members at United States Military Academy at West Point are eligible for CONUS COLA — a monthly supplement for high-cost areas (Westchester & Lower Hudson Valley, moderate-high tier). Confirm your exact rate with your finance office.
BAH is designed to cover median rental costs — not average or premium rents. Members living in above-median housing pay the difference out of pocket; those in below-median housing keep the surplus.
Calculate Your Full Military Pay
BAH is one component. See your total compensation including base pay, BAS, and tax savings.
Nearby & Comparable Installations
Data Source & Disclaimer
BAH rates are from the Defense Travel Management Office (DTMO) 2026 BAH data, effective January 1, 2026. Rates are set by Military Housing Area (MHA), not individual ZIP code — all ZIPs in the same MHA receive identical rates. This page is for informational purposes only and is not affiliated with DoD, DTMO, or any government agency. Verify your entitlement at travel.dod.mil.