Updated February 2026

BAH Rates Atlantic City, NJ 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Atlantic City military housing area (MHA: NJ196), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,655

$31,860/year

E-5 without Dependents

$2,298

$27,576/year

O-3 with Dependents

$3,624

$43,488/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,559	$30,708
E-2	$2,559	$30,708
E-3	$2,559	$30,708
E-4	$2,559	$30,708
E-5	$2,655	$31,860
E-6	$3,291	$39,492
E-7	$3,414	$40,968
E-8	$3,543	$42,516
E-9	$3,735	$44,820
Warrant Officer
W-1	$3,312	$39,744
W-2	$3,465	$41,580
W-3	$3,627	$43,524
W-4	$3,774	$45,288
W-5	$3,954	$47,448
Commissioned Officer (Prior Enlisted)
O-1E	$3,435	$41,220
O-2E	$3,603	$43,236
O-3E	$3,801	$45,612
Commissioned Officer
O-1	$2,736	$32,832
O-2	$3,285	$39,420
O-3	$3,624	$43,488
O-4	$4,014	$48,168
O-5	$4,296	$51,552
O-6	$4,332	$51,984
O-7	$4,365	$52,380

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,004	$24,048
E-2	$2,004	$24,048
E-3	$2,004	$24,048
E-4	$2,004	$24,048
E-5	$2,298	$27,576
E-6	$2,469	$29,628
E-7	$2,562	$30,744
E-8	$2,784	$33,408
E-9	$2,976	$35,712
Warrant Officer
W-1	$2,538	$30,456
W-2	$2,781	$33,372
W-3	$2,997	$35,964
W-4	$3,318	$39,816
W-5	$3,441	$41,292
Commissioned Officer (Prior Enlisted)
O-1E	$2,652	$31,824
O-2E	$2,934	$35,208
O-3E	$3,285	$39,420
Commissioned Officer
O-1	$2,457	$29,484
O-2	$2,628	$31,536
O-3	$3,060	$36,720
O-4	$3,417	$41,004
O-5	$3,486	$41,832
O-6	$3,606	$43,272
O-7	$3,669	$44,028

24 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Atlantic City (NJ196) Military Housing Area:

08037 08201 08203 08215 08217 08221 08225 08232 08234 08241 08244 08310 08317 08319 08326 08330 08340 08341 08346 08350 08401 08402 08403 08406

Frequently Asked Questions

What is the BAH rate for an E-5 in Atlantic City?

The 2026 BAH rate for an E-5 with dependents in Atlantic City, NJ is $2,655 per month ($31,860 per year). Without dependents, the rate is $2,298 per month.

How many ZIP codes are in the Atlantic City MHA?

The Atlantic City Military Housing Area (NJ196) includes 24 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.