Updated February 2026
BAH Rates in New Jersey 2026
There are 8 military housing areas in New Jersey. In 2026, BAH rates for an E-5 with dependents range from $2,655/month in Atlantic City to $4,749/month in Northern New Jersey. Rates are set annually by the Department of Defense based on local rental market surveys.
Find BAH Rates by ZIP Code
Highest E-5 w/Dep
$4,749
Northern New Jersey
Lowest E-5 w/Dep
$2,655
Atlantic City
Housing Areas
8
MHAs in NJ
| Location | E-5 w/Dep | E-5 w/o Dep | O-3 w/Dep |
|---|---|---|---|
| Atlantic City | $2,655 | $2,298 | $3,624 |
| Cape May | $2,754 | $2,172 | $3,186 |
| Fort Monmouth/Earle Nws | $3,549 | $2,940 | $4,332 |
| Jb McGuire-Dix-Lakehurst | $2,823 | $2,421 | $3,552 |
| Northern New Jersey | $4,749 | $3,561 | $5,094 |
| Perth Amboy | $3,393 | $3,045 | $4,239 |
| Philadelphia | $2,691 | $2,091 | $3,015 |
| Trenton | $3,465 | $2,760 | $4,362 |
How New Jersey BAH compares
New Jersey's 8 military housing areas average $3,260/mo for an E-5 with dependents — 42.4% above the national MHA average of $2,289. The spread inside the state is real money: Northern New Jersey, NJ tops the table at $4,749/mo while Atlantic City, NJ sits at $2,655/mo — a $2,094 monthly difference for the same rank and dependency status.
Computed from the official 2026 BAH rate file. Benchmark: E-5 with dependents across 299 market-priced MHAs nationwide.