Updated February 2026

BAH Rates Northern New Jersey, NJ 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Northern New Jersey military housing area (MHA: NJ202), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$4,749

$56,988/year

E-5 without Dependents

$3,561

$42,732/year

O-3 with Dependents

$5,094

$61,128/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$4,275	$51,300
E-2	$4,275	$51,300
E-3	$4,275	$51,300
E-4	$4,275	$51,300
E-5	$4,749	$56,988
E-6	$5,052	$60,624
E-7	$5,073	$60,876
E-8	$5,082	$60,984
E-9	$5,235	$62,820
Warrant Officer
W-1	$5,070	$60,840
W-2	$5,079	$60,948
W-3	$5,097	$61,164
W-4	$5,289	$63,468
W-5	$5,529	$66,348
Commissioned Officer (Prior Enlisted)
O-1E	$5,076	$60,912
O-2E	$5,088	$61,056
O-3E	$5,325	$63,900
Commissioned Officer
O-1	$4,791	$57,492
O-2	$5,049	$60,588
O-3	$5,094	$61,128
O-4	$5,610	$67,320
O-5	$5,991	$71,892
O-6	$6,042	$72,504
O-7	$6,093	$73,116

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,207	$38,484
E-2	$3,207	$38,484
E-3	$3,207	$38,484
E-4	$3,207	$38,484
E-5	$3,561	$42,732
E-6	$3,861	$46,332
E-7	$4,299	$51,588
E-8	$4,815	$57,780
E-9	$4,896	$58,752
Warrant Officer
W-1	$4,113	$49,356
W-2	$4,812	$57,744
W-3	$4,908	$58,896
W-4	$5,046	$60,552
W-5	$5,067	$60,804
Commissioned Officer (Prior Enlisted)
O-1E	$4,746	$56,952
O-2E	$4,878	$58,536
O-3E	$5,043	$60,516
Commissioned Officer
O-1	$3,801	$45,612
O-2	$4,593	$55,116
O-3	$4,938	$59,256
O-4	$5,055	$60,660
O-5	$5,070	$60,840
O-6	$5,073	$60,876
O-7	$5,163	$61,956

Frequently Asked Questions

What is the BAH rate for an E-5 in Northern New Jersey?

The 2026 BAH rate for an E-5 with dependents in Northern New Jersey, NJ is $4,749 per month ($56,988 per year). Without dependents, the rate is $3,561 per month.

How many ZIP codes are in the Northern New Jersey MHA?

The Northern New Jersey Military Housing Area code is NJ202.

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

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all New Jersey BAH rates →

How Northern New Jersey, NJ BAH compares nationally

Northern New Jersey, NJ is the 4th most expensive of the 299 military housing areas nationwide — an E-5 with dependents draws $4,749/mo here, 107.5% 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.

Within the state, this is the highest-rate MHA of 8; the lowest is Atlantic City, NJ at $2,655/mo for the same E-5 — a $2,094 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $892/mo (25.3%) 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.