O-3 BAH Rates in Atlantic City, NJ (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Atlantic City, NJ is $3,624 per month with dependents and $3,060 per month without dependents. This rate is $765 above the national average for O-3.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-3 base pay of $7,737/mo (at 6 years of service) and BAS of $328.48/mo, total monthly compensation in Atlantic City is approximately $11,689.48 with dependents or $11,125.48 without.
O-3 BAH: Atlantic City vs National Average
| Atlantic City | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $3,624 | $2,859 | +$765 |
| Without Dependents | $3,060 | $2,493 | +$567 |
O-3 Total Monthly Compensation in Atlantic City
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Atlantic City:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $3,624 | $3,060 |
| BAS | $328.48 | $328.48 |
| Total | $11,689.48 | $11,125.48 |
Base pay shown for 6 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-2 — $3,285/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Atlantic City?
The 2026 O-3 BAH rate in Atlantic City is $3,624/mo with dependents and $3,060/mo without dependents.
What is the total monthly pay for O-3 in Atlantic City?
An O-3 with 6 years of service in Atlantic City earns approximately $11,689.48/mo total compensation with dependents (base pay $7,737 + BAH $3,624 + BAS $328.48). Without dependents: $11,125.48/mo.
Is Atlantic City BAH above or below average?
O-3 BAH in Atlantic City is $765 above the national average of $2,859/mo with dependents.
O-3 BAH in Atlantic City, NJ, in context
An O-3 with dependents in Atlantic City, NJ draws $3,624/mo — 26.8% above the national average of $2,859 for this grade (53rd of 299 MHAs). Without dependents the rate is $3,060/mo, a $564 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $390/mo (to $4,014), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.