E-4 BAH Rates in Northern New Jersey, NJ (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an E-4 (Specialist/Corporal) stationed in Northern New Jersey, NJ is $4,275 per month with dependents and $3,207 per month without dependents. This rate is $2,146 above the national average for E-4.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with E-4 base pay of $3,658.5/mo (at 4 years of service) and BAS of $476.95/mo, total monthly compensation in Northern New Jersey is approximately $8,410.45 with dependents or $7,342.45 without.
E-4 BAH: Northern New Jersey vs National Average
| Northern New Jersey | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $4,275 | $2,129 | +$2,146 |
| Without Dependents | $3,207 | $1,683 | +$1,524 |
E-4 Total Monthly Compensation in Northern New Jersey
Here is how E-4 pay breaks down for a service member with 4 years of service stationed in Northern New Jersey:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $3,658.5 | $3,658.5 |
| BAH | $4,275 | $3,207 |
| BAS | $476.95 | $476.95 |
| Total | $8,410.45 | $7,342.45 |
Base pay shown for 4 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 Northern New Jersey
- E-3 — $4,275/mo
- E-5 — $4,749/mo
- E-6 — $5,052/mo
- E-7 — $5,073/mo
- O-1 — $4,791/mo
- O-2 — $5,049/mo
- O-3 — $5,094/mo
Frequently Asked Questions
What is the 2026 BAH rate for E-4 in Northern New Jersey?
The 2026 E-4 BAH rate in Northern New Jersey is $4,275/mo with dependents and $3,207/mo without dependents.
What is the total monthly pay for E-4 in Northern New Jersey?
An E-4 with 4 years of service in Northern New Jersey earns approximately $8,410.45/mo total compensation with dependents (base pay $3,658.5 + BAH $4,275 + BAS $476.95). Without dependents: $7,342.45/mo.
Is Northern New Jersey BAH above or below average?
E-4 BAH in Northern New Jersey is $2,146 above the national average of $2,129/mo with dependents.
E-4 BAH in Northern New Jersey, NJ, in context
An E-4 with dependents in Northern New Jersey, NJ draws $4,275/mo — 100.8% above the national average of $2,129 for this grade (5th of 299 MHAs). Without dependents the rate is $3,207/mo, a $1,068 difference.
Promotion changes housing money here: pinning on E-5 raises BAH in this MHA by $474/mo (to $4,749), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.