O-2 BAH Rates in Atlantic City, NJ (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Atlantic City, NJ is $3,285 per month with dependents and $2,628 per month without dependents. This rate is $677 above the national average for O-2.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-2 base pay of $6,484.5/mo (at 4 years of service) and BAS of $328.48/mo, total monthly compensation in Atlantic City is approximately $10,097.98 with dependents or $9,440.98 without.
O-2 BAH: Atlantic City vs National Average
| Atlantic City | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $3,285 | $2,608 | +$677 |
| Without Dependents | $2,628 | $2,243 | +$385 |
O-2 Total Monthly Compensation in Atlantic City
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Atlantic City:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $3,285 | $2,628 |
| BAS | $328.48 | $328.48 |
| Total | $10,097.98 | $9,440.98 |
Base pay shown for 4 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.
Other Ranks in Atlantic City
- E-3 — $2,559/mo
- E-4 — $2,559/mo
- E-5 — $2,655/mo
- E-6 — $3,291/mo
- E-7 — $3,414/mo
- O-1 — $2,736/mo
- O-3 — $3,624/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in Atlantic City?
The 2026 O-2 BAH rate in Atlantic City is $3,285/mo with dependents and $2,628/mo without dependents.
What is the total monthly pay for O-2 in Atlantic City?
An O-2 with 4 years of service in Atlantic City earns approximately $10,097.98/mo total compensation with dependents (base pay $6,484.5 + BAH $3,285 + BAS $328.48). Without dependents: $9,440.98/mo.
Is Atlantic City BAH above or below average?
O-2 BAH in Atlantic City is $677 above the national average of $2,608/mo with dependents.
O-2 BAH in Atlantic City, NJ, in context
An O-2 with dependents in Atlantic City, NJ draws $3,285/mo — 26% above the national average of $2,608 for this grade (57th of 299 MHAs). Without dependents the rate is $2,628/mo, a $657 difference.
Promotion changes housing money here: pinning on O-3 raises BAH in this MHA by $339/mo (to $3,624), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.