Atlantic City, NJ BAH Rates
2026 Basic Allowance for Housing rates for Atlantic City, New Jersey (MHA: NJ196).
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 (Private/Seaman Recruit) | $2,559 | $2,004 |
| E-2 (Private/Seaman Apprentice) | $2,559 | $2,004 |
| E-3 (PFC/Seaman) | $2,559 | $2,004 |
| E-4 (Specialist/Corporal) | $2,559 | $2,004 |
| E-5 (Sergeant) | $2,655 | $2,298 |
| E-6 (Staff Sergeant) | $3,291 | $2,469 |
| E-7 (Sergeant First Class) | $3,414 | $2,562 |
| E-8 (Master Sergeant) | $3,543 | $2,784 |
| E-9 (Sergeant Major) | $3,735 | $2,976 |
| W-1 (Warrant Officer) | $3,312 | $2,538 |
| W-2 (Chief Warrant Officer 2) | $3,465 | $2,781 |
| W-3 (Chief Warrant Officer 3) | $3,627 | $2,997 |
| W-4 (Chief Warrant Officer 4) | $3,774 | $3,318 |
| W-5 (Chief Warrant Officer 5) | $3,954 | $3,441 |
| O-1E (2LT/ENS w/ >4yr Enlisted) | $3,435 | $2,652 |
| O-2E (1LT/LTJG w/ >4yr Enlisted) | $3,603 | $2,934 |
| O-3E (CPT/LT w/ >4yr Enlisted) | $3,801 | $3,285 |
| O-1 (Second Lieutenant/Ensign) | $2,736 | $2,457 |
| O-2 (First Lieutenant/LTJG) | $3,285 | $2,628 |
| O-3 (Captain/Lieutenant) | $3,624 | $3,060 |
| O-4 (Major/LCDR) | $4,014 | $3,417 |
| O-5 (Lieutenant Colonel/CDR) | $4,296 | $3,486 |
| O-6 (Colonel/Captain) | $4,332 | $3,606 |
| O-7 (Brigadier General/RDML) | $4,365 | $3,669 |
Atlantic City, NJ — BAH Rate Snapshot
2026 monthly BAH rates with dependents across key pay grades. Rates range from $2,559 to $4,296 — a $1,737 spread.
Highlighted bars show commonly referenced pay grades (E-5, O-3). All rates are 2026 DoD BAH figures for Atlantic City, NJ.
BAH Rate History (Estimated)
BAH Rate History — E-5 in Atlantic City, NJ
With Dependents • 2022–2026 (+$558 / +26.6%)
* Rates sourced from official DoD BAH rate publications for each year.
Atlantic City vs. Nearby NJ Duty Stations
E-5 with dependents BAH comparison. Atlantic City ranks #5 — $2,094/mo less than Northern New Jersey.
About BAH in Atlantic City, NJ
The 2026 Basic Allowance for Housing rate for Atlantic City, New Jersey reflects the local cost of rental housing in the NJ196 Military Housing Area. BAH rates are determined by surveying rental costs for various housing profiles in the area.
For an E-5 with dependents stationed in Atlantic City, the monthly BAH rate is $2,655, which comes to $31,860 per year. Without dependents, the same pay grade receives $2,298 per month.
BAH Rates by Rank in Atlantic City
View Atlantic City BAH rates broken down by specific pay grade: E-5 BAH rates, E-6 BAH rates, E-7 BAH rates, O-3 BAH rates, or browse all pay grades.
Using BAH Toward a VA Home Loan
Many service members in Atlantic City use their BAH to cover mortgage payments on a VA home loan. Use our BAH affordability tool to see what you can afford. Since BAH is non-taxable, it can stretch further than equivalent taxable income when qualifying for a mortgage.
Related Resources
- Historical BAH rates — See how Atlantic City rates changed from 2022 to 2026
- Compare BAH rates — Compare Atlantic City with another duty station
- All New Jersey duty stations
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