Fort Drum: 2026 BAH, On-Post Housing and Neighborhoods
An E-5 with dependents at Fort Drum receives $1,665 a month in BAH for 2026 ($1,422 without dependents) in the Fort Drum/Watertown, NY (NY225) area. On post, Fort Drum Mountain Community Homes, a partnership between the Army and Centinel Communities. 3,793 on-post homes with two to five bedrooms; homes include a garage and automatic opener. A neighborhood guide for this area is coming; the BAH table and on-post housing details below are complete.
Questions about BAH, on-post housing or PCS timing?
Call or text Chris Harris, REALTOR® (Real Broker, LLC). He answers these himself.
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Chris is not licensed in New York, so he will connect you with a licensed Real Broker agent there who knows Fort Drum. Chris may receive a referral fee from that agent’s brokerage. It does not change your price or what you pay.
2026 BAH rates at Fort Drum, E-1 to O-10
| 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 to O-10 | $2,823 | $2,496 |
On-post housing at Fort Drum
How it works
Start an advance application with the leasing team at fdmch.com; the official page encourages applying early.
Who runs it
Fort Drum Mountain Community Homes, a partnership between the Army and Centinel Communities.
The waitlist
The official page gives no wait figure. Advance applications are accepted.
Who can live there
Soldiers E-5 promotable and below not drawing BAH at the with-dependents rate live in barracks. Single and unaccompanied soldiers staff sergeant and above can apply to The Timbers apartments.
Who to call
- Fort Drum Mountain Community Homes: 315-955-6644
- The Timbers Leasing Office, 8925 Main St: 315-777-8000
- Housing Services Office / Army Community Housing, Clark Hall: 315-772-6668
Official housing page: Military OneSource, Fort Drum housing. Phone numbers and wait times change, so confirm before you rely on them.
Off-post neighborhoods near Fort Drum
Neighborhood guide coming for Fort Drum
We do not yet have complete, verified neighborhood and commute data for this area, so we are not going to show you a guess. Your BAH is in the table above. Chris can walk you through BAH and PCS timing directly, and can introduce you to a licensed Real Broker agent here if you want to rent or buy.
Frequently asked questions about Fort Drum housing
How much is BAH for an E-5 with dependents at Fort Drum in 2026?
In the Fort Drum/Watertown, NY (NY225) military housing area, the 2026 BAH for an E-5 with dependents is $1,665 a month and $1,422 without dependents. The full E-1 to O-10 table is above on this page.
Source: DoD Defense Travel Management Office, BAH Rate Lookup
Which BAH area covers Fort Drum?
DoD lists Fort Drum in the Fort Drum/Watertown, NY (NY225) housing area. You are paid the rate for your duty station's ZIP code, not for where you choose to live, so living farther out does not change your BAH.
Source: DoD BAH Rate Lookup
How long is the on-post housing waitlist at Fort Drum?
The official page gives no wait figure. Advance applications are accepted.
Who runs on-post housing at Fort Drum and who do I call?
Fort Drum Mountain Community Homes, a partnership between the Army and Centinel Communities. Start an advance application with the leasing team at fdmch.com; the official page encourages applying early. Numbers: Fort Drum Mountain Community Homes: 315-955-6644; The Timbers Leasing Office, 8925 Main St: 315-777-8000; Housing Services Office / Army Community Housing, Clark Hall: 315-772-6668. Confirm numbers and wait times before relying on them.
What are the key numbers for on-post housing at Fort Drum?
3,793 on-post homes with two to five bedrooms. Homes include a garage and automatic opener. Rent covers utilities, trash and recycling. The Timbers has 192 one- and two-bedroom apartments for single staff sergeants and above.
Who has to live in the barracks or follow special rules at Fort Drum?
Soldiers E-5 promotable and below not drawing BAH at the with-dependents rate live in barracks. Single and unaccompanied soldiers staff sergeant and above can apply to The Timbers apartments.
When is the housing office open at Fort Drum?
The official page lists: Housing Services Office: Mon-Fri 7:30 a.m.-4:00 p.m.. Hours change, so call ahead.
Can I use a VA loan to buy near Fort Drum instead?
Yes, if you are eligible: VA loans typically need no down payment. Compare a lender's quote with your $1,665 E-5 BAH. We have no verified Fort Drum neighborhood prices yet, so we publish no payment estimate.
Get your numbers
Request an introduction
We email your exact BAH numbers right away. If you want help renting or buying, Chris will connect you with a licensed Real Broker agent in New York.