E-3 BAH Rates in Cape May, NJ (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an E-3 (Private First Class (PFC)) stationed in Cape May, NJ is $2,523 per month with dependents and $1,968 per month without dependents. This rate is $394 above the national average for E-3.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with E-3 base pay of $3,015/mo (at 2 years of service) and BAS of $476.95/mo, total monthly compensation in Cape May is approximately $6,014.95 with dependents or $5,459.95 without.
E-3 BAH: Cape May vs National Average
| Cape May | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,523 | $2,129 | +$394 |
| Without Dependents | $1,968 | $1,683 | +$285 |
E-3 Total Monthly Compensation in Cape May
Here is how E-3 pay breaks down for a service member with 2 years of service stationed in Cape May:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $3,015 | $3,015 |
| BAH | $2,523 | $1,968 |
| BAS | $476.95 | $476.95 |
| Total | $6,014.95 | $5,459.95 |
Base pay shown for 2 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 Cape May
- E-4 — $2,523/mo
- E-5 — $2,754/mo
- E-6 — $3,072/mo
- E-7 — $3,114/mo
- O-1 — $2,799/mo
- O-2 — $3,069/mo
- O-3 — $3,186/mo
Frequently Asked Questions
What is the 2026 BAH rate for E-3 in Cape May?
The 2026 E-3 BAH rate in Cape May is $2,523/mo with dependents and $1,968/mo without dependents.
What is the total monthly pay for E-3 in Cape May?
An E-3 with 2 years of service in Cape May earns approximately $6,014.95/mo total compensation with dependents (base pay $3,015 + BAH $2,523 + BAS $476.95). Without dependents: $5,459.95/mo.
Is Cape May BAH above or below average?
E-3 BAH in Cape May is $394 above the national average of $2,129/mo with dependents.
E-3 BAH in Cape May, NJ, in context
An E-3 with dependents in Cape May, NJ draws $2,523/mo — 18.5% above the national average of $2,129 for this grade (67th of 299 MHAs). Without dependents the rate is $1,968/mo, a $555 difference.
Worth knowing: promotion to E-4 does not raise BAH in this MHA — both grades draw $2,523/mo with dependents. The housing bump at junior grades often arrives later than the stripe.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.