Updated February 2026

BAH Rates Cape May, NJ 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Cape May military housing area (MHA: NJ198), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$2,754

$33,048/year

E-5 without Dependents

$2,172

$26,064/year

O-3 with Dependents

$3,186

$38,232/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,523	$30,276
E-2	$2,523	$30,276
E-3	$2,523	$30,276
E-4	$2,523	$30,276
E-5	$2,754	$33,048
E-6	$3,072	$36,864
E-7	$3,114	$37,368
E-8	$3,159	$37,908
E-9	$3,312	$39,744
Warrant Officer
W-1	$3,093	$37,116
W-2	$3,132	$37,584
W-3	$3,189	$38,268
W-4	$3,360	$40,320
W-5	$3,570	$42,840
Commissioned Officer (Prior Enlisted)
O-1E	$3,117	$37,404
O-2E	$3,177	$38,124
O-3E	$3,390	$40,680
Commissioned Officer
O-1	$2,799	$33,588
O-2	$3,069	$36,828
O-3	$3,186	$38,232
O-4	$3,639	$43,668
O-5	$3,969	$47,628
O-6	$4,002	$48,024
O-7	$4,032	$48,384

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,968	$23,616
E-2	$1,968	$23,616
E-3	$1,968	$23,616
E-4	$1,968	$23,616
E-5	$2,172	$26,064
E-6	$2,313	$27,756
E-7	$2,532	$30,384
E-8	$2,823	$33,876
E-9	$2,913	$34,956
Warrant Officer
W-1	$2,451	$29,412
W-2	$2,820	$33,840
W-3	$2,925	$35,100
W-4	$3,078	$36,936
W-5	$3,123	$37,476
Commissioned Officer (Prior Enlisted)
O-1E	$2,751	$33,012
O-2E	$2,892	$34,704
O-3E	$3,066	$36,792
Commissioned Officer
O-1	$2,289	$27,468
O-2	$2,682	$32,184
O-3	$2,955	$35,460
O-4	$3,108	$37,296
O-5	$3,129	$37,548
O-6	$3,165	$37,980
O-7	$3,222	$38,664

3 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Cape May (NJ198) Military Housing Area:

08204 08210 08212

Frequently Asked Questions

What is the BAH rate for an E-5 in Cape May?

The 2026 BAH rate for an E-5 with dependents in Cape May, NJ is $2,754 per month ($33,048 per year). Without dependents, the rate is $2,172 per month.

How many ZIP codes are in the Cape May MHA?

The Cape May Military Housing Area (NJ198) includes 3 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.