Cape May, NJ BAH Rates
2026 Basic Allowance for Housing rates for Cape May, New Jersey (MHA: NJ198).
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 (Private/Seaman Recruit) | $2,523 | $1,968 |
| E-2 (Private/Seaman Apprentice) | $2,523 | $1,968 |
| E-3 (PFC/Seaman) | $2,523 | $1,968 |
| E-4 (Specialist/Corporal) | $2,523 | $1,968 |
| E-5 (Sergeant) | $2,754 | $2,172 |
| E-6 (Staff Sergeant) | $3,072 | $2,313 |
| E-7 (Sergeant First Class) | $3,114 | $2,532 |
| E-8 (Master Sergeant) | $3,159 | $2,823 |
| E-9 (Sergeant Major) | $3,312 | $2,913 |
| W-1 (Warrant Officer) | $3,093 | $2,451 |
| W-2 (Chief Warrant Officer 2) | $3,132 | $2,820 |
| W-3 (Chief Warrant Officer 3) | $3,189 | $2,925 |
| W-4 (Chief Warrant Officer 4) | $3,360 | $3,078 |
| W-5 (Chief Warrant Officer 5) | $3,570 | $3,123 |
| O-1E (2LT/ENS w/ >4yr Enlisted) | $3,117 | $2,751 |
| O-2E (1LT/LTJG w/ >4yr Enlisted) | $3,177 | $2,892 |
| O-3E (CPT/LT w/ >4yr Enlisted) | $3,390 | $3,066 |
| O-1 (Second Lieutenant/Ensign) | $2,799 | $2,289 |
| O-2 (First Lieutenant/LTJG) | $3,069 | $2,682 |
| O-3 (Captain/Lieutenant) | $3,186 | $2,955 |
| O-4 (Major/LCDR) | $3,639 | $3,108 |
| O-5 (Lieutenant Colonel/CDR) | $3,969 | $3,129 |
| O-6 (Colonel/Captain) | $4,002 | $3,165 |
| O-7 (Brigadier General/RDML) | $4,032 | $3,222 |
Cape May, NJ — BAH Rate Snapshot
2026 monthly BAH rates with dependents across key pay grades. Rates range from $2,523 to $3,969 — a $1,446 spread.
Highlighted bars show commonly referenced pay grades (E-5, O-3). All rates are 2026 DoD BAH figures for Cape May, NJ.
BAH Rate History (Estimated)
BAH Rate History — E-5 in Cape May, NJ
With Dependents • 2022–2026 (+$1,128 / +69.4%)
* Rates sourced from official DoD BAH rate publications for each year.
Cape May vs. Nearby NJ Duty Stations
E-5 with dependents BAH comparison. Cape May ranks #5 — $1,995/mo less than Northern New Jersey.
About BAH in Cape May, NJ
The 2026 Basic Allowance for Housing rate for Cape May, New Jersey reflects the local cost of rental housing in the NJ198 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 Cape May, the monthly BAH rate is $2,754, which comes to $33,048 per year. Without dependents, the same pay grade receives $2,172 per month.
BAH Rates by Rank in Cape May
View Cape May 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 Cape May 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 Cape May rates changed from 2022 to 2026
- Compare BAH rates — Compare Cape May with another duty station
- All New Jersey duty stations
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