2025 New Jersey BAH (Basic Allowance for Housing) Rates

Basic Allowance for Housing (BAH) rates in New Jersey increased substantially in 2025. The national average increased by 5.4% 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 determines BAH rates by location, pay grade (rank) and if a soldier has dependents.

See 2025 Basic Allowance for Housing (BAH) rates here.

ATLANTIC CITY, NJ BAH Rates

Military Housing Area: NJ196

Grade	With Dependents	Without Dependents
E01	$2,466	$1,968
E02	$2,466	$1,968
E03	$2,466	$1,968
E04	$2,466	$1,968
E05	$2,541	$2,238
E06	$3,153	$2,391
E07	$3,303	$2,478
E08	$3,462	$2,667
E09	$3,639	$2,847
W01	$3,177	$2,454
W02	$3,369	$2,664
W03	$3,564	$2,871
W04	$3,669	$3,186
W05	$3,795	$3,339
O01E	$3,330	$2,538
O02E	$3,537	$2,808
O03E	$3,684	$3,147
O01	$2,619	$2,388
O02	$3,147	$2,520
O03	$3,558	$2,931
O04	$3,837	$3,309
O05	$4,029	$3,399
O06	$4,065	$3,546
O07	$4,098	$3,612

BAH for ATLANTIC CITY, NJ includes the following zip codes: 8037, 8201, 8203, 8205, 8213, 8215, 8217, 8220, 8221, 8225, 8231, 8232, 8234, 8240, 8241, 8244, 8310, 8317, 8319, 8326, 8330, 8340, 8341, 8342, 8346, 8350, 8401, 8402, 8403, 8404, 8405, 8406

CAPE MAY, NJ BAH Rates

Military Housing Area: NJ198

Grade	With Dependents	Without Dependents
E01	$2,319	$1,740
E02	$2,319	$1,740
E03	$2,319	$1,740
E04	$2,319	$1,740
E05	$2,529	$1,962
E06	$2,934	$2,199
E07	$2,955	$2,325
E08	$2,964	$2,613
E09	$3,069	$2,727
W01	$2,952	$2,256
W02	$2,961	$2,610
W03	$2,973	$2,745
W04	$3,117	$2,928
W05	$3,318	$2,943
O01E	$2,958	$2,526
O02E	$2,967	$2,703
O03E	$3,144	$2,925
O01	$2,583	$2,106
O02	$2,931	$2,463
O03	$2,970	$2,784
O04	$3,387	$2,931
O05	$3,699	$2,946
O06	$3,732	$2,949
O07	$3,762	$2,985

BAH for CAPE MAY, NJ includes the following zip codes: 8202, 8204, 8210, 8212, 8214, 8218, 8219, 8223, 8226, 8230, 8242, 8243, 8245, 8246, 8247, 8248, 8250, 8251, 8252, 8260, 8270

FORT MONMOUTH/EARLE NWS, NJ BAH Rates

Military Housing Area: NJ200

Grade	With Dependents	Without Dependents
E01	$3,231	$2,451
E02	$3,231	$2,451
E03	$3,231	$2,451
E04	$3,231	$2,451
E05	$3,366	$2,871
E06	$3,780	$3,102
E07	$3,906	$3,234
E08	$4,035	$3,453
E09	$4,242	$3,573
W01	$3,804	$3,195
W02	$3,960	$3,450
W03	$4,119	$3,588
W04	$4,290	$3,807
W05	$4,497	$3,933
O01E	$3,924	$3,363
O02E	$4,098	$3,546
O03E	$4,320	$3,774
O01	$3,423	$3,090
O02	$3,777	$3,324
O03	$4,116	$3,630
O04	$4,569	$3,906
O05	$4,893	$3,978
O06	$4,938	$4,101
O07	$4,980	$4,176

BAH for FORT MONMOUTH/EARLE NWS, NJ includes the following zip codes: 7701, 7702, 7703, 7704, 7710, 7711, 7712, 7715, 7716, 7717, 7718, 7719, 7720, 7721, 7722, 7723, 7724, 7726, 7727, 7728, 7730, 7731, 7732, 7733, 7734, 7735, 7737, 7738, 7739, 7740, 7746, 7747, 7748, 7750, 7751, 7752, 7753, 7754, 7755, 7756, 7757, 7758, 7760, 7762, 7763, 7764, 7765, 7799, 8501, 8510, 8514, 8526, 8535, 8555, 8720, 8730, 8735, 8736, 8738, 8739, 8742, 8750, 8751, 8752

PERTH AMBOY, NJ BAH Rates

Military Housing Area: NJ201

Grade	With Dependents	Without Dependents
E01	$3,150	$2,418
E02	$3,150	$2,418
E03	$3,150	$2,418
E04	$3,150	$2,418
E05	$3,240	$2,835
E06	$3,900	$3,060
E07	$3,957	$3,150
E08	$4,011	$3,375
E09	$4,149	$3,573
W01	$3,921	$3,132
W02	$3,978	$3,372
W03	$4,050	$3,594
W04	$4,188	$3,909
W05	$4,359	$3,966
O01E	$3,960	$3,237
O02E	$4,038	$3,528
O03E	$4,212	$3,894
O01	$3,324	$3,054
O02	$3,894	$3,216
O03	$4,047	$3,663
O04	$4,416	$3,951
O05	$4,677	$3,978
O06	$4,719	$4,029
O07	$4,758	$4,104

BAH for PERTH AMBOY, NJ includes the following zip codes: 7001, 7008, 7059, 7063, 7064, 7067, 7069, 7077, 7080, 7095, 7920, 7921, 7924, 7931, 7934, 7938, 7939, 7977, 7978, 8502, 8504, 8512, 8528, 8536, 8553, 8558, 8805, 8807, 8810, 8812, 8816, 8817, 8818, 8820, 8821, 8823, 8824, 8828, 8830, 8831, 8832, 8835, 8836, 8837, 8840, 8844, 8846, 8850, 8852, 8853, 8854, 8855, 8857, 8859, 8861, 8862, 8863, 8869, 8871, 8872, 8873, 8875, 8876, 8879, 8880, 8882, 8884, 8890, 8899, 8901, 8902, 8903, 8904, 8906, 8933, 8989

NORTHERN NEW JERSEY, NJ BAH Rates

Military Housing Area: NJ202

Grade	With Dependents	Without Dependents
E01	$4,035	$3,027
E02	$4,035	$3,027
E03	$4,035	$3,027
E04	$4,035	$3,027
E05	$4,392	$3,414
E06	$4,638	$3,720
E07	$4,659	$4,050
E08	$4,677	$4,446
E09	$4,851	$4,509
W01	$4,656	$3,915
W02	$4,665	$4,443
W03	$4,698	$4,521
W04	$4,914	$4,635
W05	$5,181	$4,662
O01E	$4,662	$4,389
O02E	$4,689	$4,494
O03E	$4,953	$4,629
O01	$4,428	$3,675
O02	$4,635	$4,275
O03	$4,695	$4,545
O04	$5,274	$4,650
O05	$5,691	$4,665
O06	$5,745	$4,674
O07	$5,793	$4,761

BAH for NORTHERN NEW JERSEY, NJ includes the following zip codes: 7003, 7004, 7005, 7006, 7007, 7009, 7010, 7011, 7012, 7013, 7014, 7015, 7016, 7017, 7018, 7019, 7020, 7021, 7022, 7023, 7024, 7026, 7027, 7028, 7029, 7030, 7031, 7032, 7033, 7034, 7035, 7036, 7039, 7040, 7041, 7042, 7043, 7044, 7045, 7046, 7047, 7050, 7051, 7052, 7054, 7055, 7057, 7058, 7060, 7061, 7062, 7065, 7066, 7068, 7070, 7071, 7072, 7073, 7074, 7075, 7076, 7078, 7079, 7081, 7082, 7083, 7086, 7087, 7088, 7090, 7091, 7092, 7093, 7094, 7096, 7097, 7099, 7101, 7102, 7103, 7104, 7105, 7106, 7107, 7108, 7109, 7110, 7111, 7112, 7114, 7175, 7184, 7188, 7189, 7191, 7192, 7193, 7195, 7198, 7199, 7201, 7202, 7203, 7204, 7205, 7206, 7207, 7208, 7302, 7303, 7304, 7305, 7306, 7307, 7308, 7310, 7311, 7395, 7399, 7401, 7403, 7405, 7407, 7410, 7416, 7417, 7418, 7419, 7420, 7421, 7422, 7423, 7424, 7428, 7430, 7432, 7435, 7436, 7438, 7439, 7440, 7442, 7444, 7446, 7450, 7451, 7452, 7456, 7457, 7458, 7460, 7461, 7462, 7463, 7465, 7470, 7474, 7480, 7481, 7495, 7501, 7502, 7503, 7504, 7505, 7506, 7507, 7508, 7509, 7510, 7511, 7512, 7513, 7514, 7522, 7524, 7533, 7538, 7543, 7544, 7601, 7602, 7603, 7604, 7605, 7606, 7607, 7608, 7620, 7621, 7624, 7626, 7627, 7628, 7630, 7631, 7632, 7640, 7641, 7642, 7643, 7644, 7645, 7646, 7647, 7648, 7649, 7650, 7652, 7653, 7656, 7657, 7660, 7661, 7662, 7663, 7666, 7670, 7675, 7676, 7677, 7699, 7801, 7802, 7803, 7806, 7821, 7822, 7826, 7827, 7828, 7834, 7836, 7837, 7839, 7842, 7843, 7845, 7847, 7848, 7849, 7850, 7851, 7852, 7853, 7855, 7856, 7857, 7860, 7866, 7869, 7870, 7871, 7874, 7875, 7876, 7877, 7878, 7879, 7881, 7885, 7890, 7901, 7902, 7922, 7926, 7927, 7928, 7930, 7932, 7933, 7935, 7936, 7940, 7945, 7946, 7950, 7960, 7961, 7962, 7963, 7970, 7974, 7976, 7980, 7981, 7999

TRENTON, NJ BAH Rates

Military Housing Area: NJ203

Grade	With Dependents	Without Dependents
E01	$3,072	$2,310
E02	$3,072	$2,310
E03	$3,072	$2,310
E04	$3,072	$2,310
E05	$3,342	$2,628
E06	$3,771	$2,829
E07	$3,876	$3,081
E08	$3,981	$3,432
E09	$4,191	$3,555
W01	$3,792	$2,985
W02	$3,921	$3,429
W03	$4,053	$3,570
W04	$4,245	$3,792
W05	$4,476	$3,900
O01E	$3,891	$3,339
O02E	$4,035	$3,528
O03E	$4,278	$3,765
O01	$3,399	$2,799
O02	$3,768	$3,255
O03	$4,050	$3,615
O04	$4,557	$3,876
O05	$4,920	$3,933
O06	$4,965	$4,035
O07	$5,007	$4,110

BAH for TRENTON, NJ includes the following zip codes: 7830, 7979, 8520, 8525, 8530, 8534, 8540, 8541, 8542, 8543, 8544, 8550, 8551, 8556, 8557, 8559, 8560, 8561, 8601, 8602, 8603, 8604, 8605, 8606, 8607, 8608, 8609, 8610, 8611, 8618, 8619, 8620, 8625, 8628, 8629, 8638, 8645, 8646, 8647, 8648, 8650, 8666, 8690, 8691, 8695, 8801, 8802, 8803, 8804, 8809, 8822, 8825, 8826, 8827, 8829, 8833, 8834, 8848, 8858, 8867, 8868, 8870, 8885, 8887, 8888, 8889

JB MCGUIRE-DIX-LAKEHURST, NJ BAH Rates

Military Housing Area: NJ204

Grade	With Dependents	Without Dependents
E01	$2,595	$1,977
E02	$2,595	$1,977
E03	$2,595	$1,977
E04	$2,595	$1,977
E05	$2,688	$2,316
E06	$3,288	$2,505
E07	$3,333	$2,595
E08	$3,375	$2,811
E09	$3,501	$2,988
W01	$3,309	$2,577
W02	$3,351	$2,808
W03	$3,408	$3,009
W04	$3,540	$3,294
W05	$3,699	$3,342
O01E	$3,336	$2,685
O02E	$3,399	$2,949
O03E	$3,561	$3,282
O01	$2,766	$2,499
O02	$3,282	$2,661
O03	$3,405	$3,069
O04	$3,753	$3,327
O05	$4,002	$3,348
O06	$4,038	$3,387
O07	$4,071	$3,450

BAH for JB MCGUIRE-DIX-LAKEHURST, NJ includes the following zip codes: 8005, 8006, 8008, 8011, 8015, 8016, 8019, 8022, 8036, 8041, 8042, 8046, 8048, 8050, 8052, 8053, 8054, 8055, 8057, 8060, 8064, 8065, 8068, 8073, 8075, 8076, 8077, 8087, 8088, 8092, 8224, 8505, 8511, 8515, 8518, 8527, 8533, 8554, 8562, 8640, 8641, 8701, 8721, 8722, 8723, 8724, 8731, 8732, 8733, 8734, 8740, 8741, 8753, 8754, 8755, 8756, 8757, 8758, 8759

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.