Northern New Jersey, NJ BAH Rates
2026 Basic Allowance for Housing rates for Northern New Jersey, New Jersey (MHA: NJ202).
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 (Private/Seaman Recruit) | $4,275 | $3,207 |
| E-2 (Private/Seaman Apprentice) | $4,275 | $3,207 |
| E-3 (PFC/Seaman) | $4,275 | $3,207 |
| E-4 (Specialist/Corporal) | $4,275 | $3,207 |
| E-5 (Sergeant) | $4,749 | $3,561 |
| E-6 (Staff Sergeant) | $5,052 | $3,861 |
| E-7 (Sergeant First Class) | $5,073 | $4,299 |
| E-8 (Master Sergeant) | $5,082 | $4,815 |
| E-9 (Sergeant Major) | $5,235 | $4,896 |
| W-1 (Warrant Officer) | $5,070 | $4,113 |
| W-2 (Chief Warrant Officer 2) | $5,079 | $4,812 |
| W-3 (Chief Warrant Officer 3) | $5,097 | $4,908 |
| W-4 (Chief Warrant Officer 4) | $5,289 | $5,046 |
| W-5 (Chief Warrant Officer 5) | $5,529 | $5,067 |
| O-1E (2LT/ENS w/ >4yr Enlisted) | $5,076 | $4,746 |
| O-2E (1LT/LTJG w/ >4yr Enlisted) | $5,088 | $4,878 |
| O-3E (CPT/LT w/ >4yr Enlisted) | $5,325 | $5,043 |
| O-1 (Second Lieutenant/Ensign) | $4,791 | $3,801 |
| O-2 (First Lieutenant/LTJG) | $5,049 | $4,593 |
| O-3 (Captain/Lieutenant) | $5,094 | $4,938 |
| O-4 (Major/LCDR) | $5,610 | $5,055 |
| O-5 (Lieutenant Colonel/CDR) | $5,991 | $5,070 |
| O-6 (Colonel/Captain) | $6,042 | $5,073 |
| O-7 (Brigadier General/RDML) | $6,093 | $5,163 |
Northern New Jersey, NJ — BAH Rate Snapshot
2026 monthly BAH rates with dependents across key pay grades. Rates range from $4,275 to $5,991 — a $1,716 spread.
Highlighted bars show commonly referenced pay grades (E-5, O-3). All rates are 2026 DoD BAH figures for Northern New Jersey, NJ.
BAH Rate History (Estimated)
BAH Rate History — E-5 in Northern New Jersey, NJ
With Dependents • 2022–2026 (+$1,614 / +51.5%)
* Rates sourced from official DoD BAH rate publications for each year.
Northern New Jersey vs. Nearby NJ Duty Stations
E-5 with dependents BAH comparison. Northern New Jersey has the highest rate among compared stations.
About BAH in Northern New Jersey, NJ
The 2026 Basic Allowance for Housing rate for Northern New Jersey, New Jersey reflects the local cost of rental housing in the NJ202 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 Northern New Jersey, the monthly BAH rate is $4,749, which comes to $56,988 per year. Without dependents, the same pay grade receives $3,561 per month.
BAH Rates by Rank in Northern New Jersey
View Northern New Jersey 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 Northern New Jersey 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 Northern New Jersey rates changed from 2022 to 2026
- Compare BAH rates — Compare Northern New Jersey with another duty station
- All New Jersey duty stations
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