Updated February 2026

BAH Rates Fort Monmouth/Earle Nws, NJ 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Fort Monmouth/Earle Nws military housing area (MHA: NJ200), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$3,549

$42,588/year

E-5 without Dependents

$2,940

$35,280/year

O-3 with Dependents

$4,332

$51,984/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,357	$40,284
E-2	$3,357	$40,284
E-3	$3,357	$40,284
E-4	$3,357	$40,284
E-5	$3,549	$42,588
E-6	$4,080	$48,960
E-7	$4,173	$50,076
E-8	$4,272	$51,264
E-9	$4,437	$53,244
Warrant Officer
W-1	$4,101	$49,212
W-2	$4,212	$50,544
W-3	$4,335	$52,020
W-4	$4,476	$53,712
W-5	$4,653	$55,836
Commissioned Officer (Prior Enlisted)
O-1E	$4,188	$50,256
O-2E	$4,314	$51,768
O-3E	$4,503	$54,036
Commissioned Officer
O-1	$3,618	$43,416
O-2	$4,077	$48,924
O-3	$4,332	$51,984
O-4	$4,710	$56,520
O-5	$4,986	$59,832
O-6	$5,028	$60,336
O-7	$5,067	$60,804

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	$2,940	$35,280
E-6	$3,180	$38,160
E-7	$3,363	$40,356
E-8	$3,657	$43,884
E-9	$3,816	$45,792
Warrant Officer
W-1	$3,300	$39,600
W-2	$3,654	$43,848
W-3	$3,834	$46,008
W-4	$4,098	$49,176
W-5	$4,194	$50,328
Commissioned Officer (Prior Enlisted)
O-1E	$3,546	$42,552
O-2E	$3,780	$45,360
O-3E	$4,074	$48,888
Commissioned Officer
O-1	$3,159	$37,908
O-2	$3,486	$41,832
O-3	$3,888	$46,656
O-4	$4,173	$50,076
O-5	$4,224	$50,688
O-6	$4,314	$51,768
O-7	$4,392	$52,704

50 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Fort Monmouth/Earle Nws (NJ200) Military Housing Area:

07701 07702 07703 07704 07711 07712 07716 07717 07718 07719 07720 07721 07722 07723 07724 07726 07727 07728 07730 07731 07732 07733 07734 07735 07737 07738 07739 07740 07746 07747 07748 07750 07751 07753 07755 07756 07757 07758 07760 07762 07764 08501 08510 08514 08535 08555 08720 08730 08736 08750

Frequently Asked Questions

What is the BAH rate for an E-5 in Fort Monmouth/Earle Nws?

The 2026 BAH rate for an E-5 with dependents in Fort Monmouth/Earle Nws, NJ is $3,549 per month ($42,588 per year). Without dependents, the rate is $2,940 per month.

How many ZIP codes are in the Fort Monmouth/Earle Nws MHA?

The Fort Monmouth/Earle Nws Military Housing Area (NJ200) includes 50 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.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

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View all New Jersey BAH rates →

How Fort Monmouth/Earle Nws, NJ BAH compares nationally

Fort Monmouth/Earle Nws, NJ is the 23rd most expensive of the 299 military housing areas nationwide — an E-5 with dependents draws $3,549/mo here, 55.1% above the national MHA average of $2,289. Rates this high usually track tight rental markets, so run the numbers before deciding to live on the local economy.

Statewide, this ranks 2nd of 8 MHAs — between Northern New Jersey, NJ ($4,749/mo, highest) and Atlantic City, NJ ($2,655/mo, lowest) for an E-5 with dependents.

Across enlisted grades here, having dependents adds an average of $766/mo (26.5%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.