Military Pay
2025 Military Pay Charts
Military members saw a 4.5% increase in 2025, with junior enlisted members seeing an additional 10% boost in the spring to bring the raise to roughly 14.5%.
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.
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The editorial team here at Veteran.com works to help the U.S. military community discover the many military benefits available to them. Our team is supported by our Veteran Review Board and its Standard of Care, which all content on Veteran.com is reviewed to meet.
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Andrew Stamp served in U.S. Army special forces for more than 10 years and is currently pursuing his Chartered Financial Consultant (ChFC).
