The E-5 rate here is $453 below the typical US housing area ($2,118), and ranks 68 of 299 from lowest to highest. Housing area code NY225, covering 58 ZIP codes.
Enlisted
Warrant officers
Officers
Officers with prior enlisted service
Total pay for an E-5 here
An E-5 with over 6 years of service and dependents stationed in this housing area receives $4,110.00 in basic pay, $1,665 in BAH and $476.95 in BAS, for $6,251.95 a month. The BAH and BAS part, $2,141.95, is not taxed. Work out your own total or your take-home pay.
ZIP codes in this housing area
Includes 13305, 13312, 13325, 13327, 13343, 13345, 13367, 13368, 13404, 13433, 13473, 13489 and 46 more. BAH is based on the ZIP code of your duty station, not where you choose to live. Look up a ZIP code.
Common questions
What is BAH for an E-5 at Fort Drum/Watertown? $1,665 a month with dependents and $1,422 without, in 2026. That is $19,980 a year, tax-free.
How much is BAH for an E-4 at Fort Drum/Watertown? $1,569 a month with dependents and $1,356 without.
How much is BAH for an O-3 at Fort Drum/Watertown? $2,469 a month with dependents and $1,902 without.
What is the GI Bill housing allowance near Fort Drum/Watertown? For a full-time student attending classes in person at a school in this housing area, the Post-9/11 GI Bill pays the E-5 with-dependents rate: $1,665 a month in 2026.
When do 2027 BAH rates come out? Usually in mid-December. They take effect January 1, and rate protection keeps your current amount if the new rate is lower.
