With a VA loan — no down payment, no PMI — your monthly BAH can go toward a mortgage instead of a landlord's pocket. The median home near NSA Saratoga Springs runs about $463,483.

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All NSA Saratoga Springs BAH Rates by Pay Grade

Pay Grade	With Dependents	Without Dependents
Enlisted
E-1	$2,388	$1,974
E-2	$2,388	$1,974
E-3	$2,388	$1,974
E-4	$2,388	$1,974
E-5	$2,634	$2,073
E-6	$2,862	$2,166
E-7	$2,997	$2,397
E-8	$3,144	$2,685
E-9	$3,327	$2,745
Warrant Officer
W-1	$2,880	$2,310
W-2	$3,057	$2,682
W-3	$3,240	$2,754
W-4	$3,357	$2,886
W-5	$3,504	$3,030
Officer (Prior Enlisted)
O-1E (Prior Enlisted)	$3,021	$2,631
O-2E (Prior Enlisted)	$3,213	$2,730
O-3E (Prior Enlisted)	$3,381	$2,850
Officer
O-1	$2,670	$2,139
O-2	$2,859	$2,556
O-3	$3,234	$2,775
O-4	$3,549	$3,000
O-5	$3,777	$3,081
O-6	$3,807	$3,219
O-7	$3,834	$3,276

Official 2026 BAH rates for the BALLSTON SPA/ALBANY, NY Military Housing Area, effective January 1, 2026.

About NSA Saratoga Springs

Military and Family Support Centers are part of the network of agencies, programs, services and partnerships which supports the overall well-being of military families. Military and Family Support Centers provide information, education and support programs to help balance the demands of military life. The Military and Family Support Center should be one of your first stops once you arrive at a new installation to connect with key programs, services and support systems. Programs and services may vary across services and installations. Deployment support provides information, education and support to assist you and your family during all phases of the deployment cycle. Relocation assistance provides an array of services during the relocation process to meet your moving needs. Personal financ...

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