BAH Rate Calculator

    New Jersey (NJ) BAH Rates

    2026 Basic Allowance for Housing rates for 7 military duty stations in New Jersey. Average E-5 with dependents rate: $3,341/mo.

    Atlantic City, NJ

    MHA: NJ196

    E-5 w/ Dep

    $2,655

    O-3 w/ Dep

    $3,624

    Cape May, NJ

    MHA: NJ198

    E-5 w/ Dep

    $2,754

    O-3 w/ Dep

    $3,186

    Fort Monmouth/Earle Nws, NJ

    MHA: NJ200

    E-5 w/ Dep

    $3,549

    O-3 w/ Dep

    $4,332

    Jb Mcguire-Dix-Lakehurst, NJ

    MHA: NJ204

    E-5 w/ Dep

    $2,823

    O-3 w/ Dep

    $3,552

    Northern New Jersey, NJ

    MHA: NJ202

    E-5 w/ Dep

    $4,749

    O-3 w/ Dep

    $5,094

    Perth Amboy, NJ

    MHA: NJ201

    E-5 w/ Dep

    $3,393

    O-3 w/ Dep

    $4,239

    Trenton, NJ

    MHA: NJ203

    E-5 w/ Dep

    $3,465

    O-3 w/ Dep

    $4,362

    About BAH in New Jersey

    New Jersey has 7 Military Housing Areas with BAH rates that reflect local rental costs. Rates vary significantly across the state based on the cost of living in each area. The Department of Defense calculates BAH using median rental data collected from each housing area, ensuring that service members receive allowances aligned with actual housing costs in their duty station location.

    The highest E-5 with dependents BAH rate in New Jersey is $4,749/mo and the lowest is $2,655/mo. This range reflects the diversity of housing markets across New Jersey's military installations.

    How New Jersey BAH Rates Are Determined

    BAH rates in New Jersey are based on annual surveys of local rental markets conducted by the Department of Defense. These surveys measure median housing costs including rent, utilities, and renter's insurance for various housing profiles. Each Military Housing Area (MHA) in New Jersey receives rates tailored to its specific cost of living, which is why rates can differ significantly between duty stations even within the same state. Service members stationed in New Jersey should use our calculator to find the exact rate for their specific pay grade and dependency status.

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