2026 New Jersey BAH (Basic Allowance for Housing) Rates

Basic Allowance for Housing (BAH) rates in New Jersey increased substantially in 2026. The national average increased by 4.2% with New Jersey stations receiving a similar increase.

Below are the local BAH rates charts for Military Housing Areas in New Jersey. The Department of Defense (also known as the Department of War) determines BAH rates by location, pay grade (rank) and if a soldier has dependents.

See 2026 Basic Allowance for Housing (BAH) rates here.

ATLANTIC CITY, NJ BAH Rates

Military Housing Area: NJ196

Grade	With Dependents	Without Dependents
E01	$2,559	$2,004
E02	$2,559	$2,004
E03	$2,559	$2,004
E04	$2,559	$2,004
E05	$2,655	$2,298
E06	$3,291	$2,469
E07	$3,414	$2,562
E08	$3,543	$2,784
E09	$3,735	$2,976
W01	$3,312	$2,538
W02	$3,465	$2,781
W03	$3,627	$2,997
W04	$3,774	$3,318
W05	$3,954	$3,441
O01E	$3,435	$2,652
O02E	$3,603	$2,934
O03E	$3,801	$3,285
O01	$2,736	$2,457
O02	$3,285	$2,628
O03	$3,624	$3,060
O04	$4,014	$3,417
O05	$4,296	$3,486
O06	$4,332	$3,606
O07	$4,365	$3,669

CAPE MAY, NJ BAH Rates

Military Housing Area: NJ198

Grade	With Dependents	Without Dependents
E01	$2,523	$1,968
E02	$2,523	$1,968
E03	$2,523	$1,968
E04	$2,523	$1,968
E05	$2,754	$2,172
E06	$3,072	$2,313
E07	$3,114	$2,532
E08	$3,159	$2,823
E09	$3,312	$2,913
W01	$3,093	$2,451
W02	$3,132	$2,820
W03	$3,189	$2,925
W04	$3,360	$3,078
W05	$3,570	$3,123
O01E	$3,117	$2,751
O02E	$3,177	$2,892
O03E	$3,390	$3,066
O01	$2,799	$2,289
O02	$3,069	$2,682
O03	$3,186	$2,955
O04	$3,639	$3,108
O05	$3,969	$3,129
O06	$4,002	$3,165
O07	$4,032	$3,222

FORT MONMOUTH/EARLE NWS, NJ BAH Rates

Military Housing Area: NJ200

Grade	With Dependents	Without Dependents
E01	$3,357	$2,523
E02	$3,357	$2,523
E03	$3,357	$2,523
E04	$3,357	$2,523
E05	$3,549	$2,940
E06	$4,080	$3,180
E07	$4,173	$3,363
E08	$4,272	$3,657
E09	$4,437	$3,816
W01	$4,101	$3,300
W02	$4,212	$3,654
W03	$4,335	$3,834
W04	$4,476	$4,098
W05	$4,653	$4,194
O01E	$4,188	$3,546
O02E	$4,314	$3,780
O03E	$4,503	$4,074
O01	$3,618	$3,159
O02	$4,077	$3,486
O03	$4,332	$3,888
O04	$4,710	$4,173
O05	$4,986	$4,224
O06	$5,028	$4,314
O07	$5,067	$4,392

PERTH AMBOY, NJ BAH Rates

Military Housing Area: NJ201

Grade	With Dependents	Without Dependents
E01	$3,339	$2,592
E02	$3,339	$2,592
E03	$3,339	$2,592
E04	$3,339	$2,592
E05	$3,393	$3,045
E06	$4,071	$3,285
E07	$4,134	$3,339
E08	$4,200	$3,531
E09	$4,350	$3,735
W01	$4,092	$3,336
W02	$4,161	$3,528
W03	$4,242	$3,759
W04	$4,392	$4,083
W05	$4,578	$4,146
O01E	$4,143	$3,390
O02E	$4,227	$3,690
O03E	$4,422	$4,065
O01	$3,477	$3,282
O02	$4,065	$3,381
O03	$4,239	$3,825
O04	$4,638	$4,128
O05	$4,926	$4,161
O06	$4,968	$4,221
O07	$5,007	$4,296

NORTHERN NEW JERSEY, NJ BAH Rates

Military Housing Area: NJ202

Grade	With Dependents	Without Dependents
E01	$4,275	$3,207
E02	$4,275	$3,207
E03	$4,275	$3,207
E04	$4,275	$3,207
E05	$4,749	$3,561
E06	$5,052	$3,861
E07	$5,073	$4,299
E08	$5,082	$4,815
E09	$5,235	$4,896
W01	$5,070	$4,113
W02	$5,079	$4,812
W03	$5,097	$4,908
W04	$5,289	$5,046
W05	$5,529	$5,067
O01E	$5,076	$4,746
O02E	$5,088	$4,878
O03E	$5,325	$5,043
O01	$4,791	$3,801
O02	$5,049	$4,593
O03	$5,094	$4,938
O04	$5,610	$5,055
O05	$5,991	$5,070
O06	$6,042	$5,073
O07	$6,093	$5,163

TRENTON, NJ BAH Rates

Military Housing Area: NJ203

Grade	With Dependents	Without Dependents
E01	$3,210	$2,409
E02	$3,210	$2,409
E03	$3,210	$2,409
E04	$3,210	$2,409
E05	$3,465	$2,760
E06	$3,972	$2,982
E07	$4,116	$3,219
E08	$4,269	$3,570
E09	$4,521	$3,720
W01	$3,996	$3,129
W02	$4,179	$3,567
W03	$4,365	$3,738
W04	$4,578	$4,002
W05	$4,836	$4,149
O01E	$4,143	$3,462
O02E	$4,338	$3,687
O03E	$4,620	$3,966
O01	$3,531	$2,952
O02	$3,969	$3,384
O03	$4,362	$3,786
O04	$4,926	$4,119
O05	$5,334	$4,203
O06	$5,379	$4,344
O07	$5,424	$4,422

JB MCGUIRE-DIX-LAKEHURST, NJ BAH Rates

Military Housing Area: NJ204

Grade	With Dependents	Without Dependents
E01	$2,715	$2,085
E02	$2,715	$2,085
E03	$2,715	$2,085
E04	$2,715	$2,085
E05	$2,823	$2,421
E06	$3,444	$2,610
E07	$3,486	$2,715
E08	$3,525	$2,952
E09	$3,642	$3,135
W01	$3,465	$2,691
W02	$3,501	$2,949
W03	$3,555	$3,159
W04	$3,678	$3,450
W05	$3,831	$3,492
O01E	$3,489	$2,820
O02E	$3,543	$3,096
O03E	$3,702	$3,438
O01	$2,904	$2,604
O02	$3,438	$2,793
O03	$3,552	$3,219
O04	$3,882	$3,477
O05	$4,122	$3,495
O06	$4,155	$3,531
O07	$4,188	$3,594

About half the U.S. Counties (about 1,500) have little to no military population. While half the zip codes is significant, less than two percent of service members that are eligible for BAH are within these counties. In order to account for these service members there are approximately 30 separate County Cost Groups (CCGs) assigned, each with similar housing costs. Use the BAH Calculator to enter your zip code to determine your Military Housing Area, also known as your County Cost Group. They range from ZZ510 to ZZ890 in increments of 10.

Military Bases in New Jersey:

• Fort Dix, Burlington, NJ
• Fort Monmouth, Monmouth County, NJ
• Loran Support Unit, Wildwood, NJ
• McGuire AFB, New Hanover, NJ
• NAES Lakehurst, Lakehurst, NJ
• NWS Earle, Colts Neck, NJ
• Picatinny Arsenal, Morris County, NJ
• Training Center Cape May, Cape May, NJ

Basic Allowance for Housing rates listed are for all branches of the military; Air Force, Army, Coast Guard, Marines, Navy, Space Force and Reserves forces, where applicable. BAH rates in high-cost areas will be much greater than those in low-cost areas.

Veterans, dependents, National Guard and reserves can use the MHA Calculator to see estimated monthly payments. Active Duty service members should use the BAH Calculator or tables to see estimated payments. Both BAH and MHA benefits are based off the same payment tables but benefit amounts do vary based on different calculations.