O-1 BAH Rates in Northern New Jersey, NJ (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-1 (Second Lieutenant (2LT)) stationed in Northern New Jersey, NJ is $4,791 per month with dependents and $3,801 per month without dependents. This rate is $2,456 above the national average for O-1.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-1 base pay of $4,320/mo (at 2 years of service) and BAS of $328.48/mo, total monthly compensation in Northern New Jersey is approximately $9,439.48 with dependents or $8,449.48 without.
O-1 BAH: Northern New Jersey vs National Average
| Northern New Jersey | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $4,791 | $2,335 | +$2,456 |
| Without Dependents | $3,801 | $1,975 | +$1,826 |
O-1 Total Monthly Compensation in Northern New Jersey
Here is how O-1 pay breaks down for a service member with 2 years of service stationed in Northern New Jersey:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $4,320 | $4,320 |
| BAH | $4,791 | $3,801 |
| BAS | $328.48 | $328.48 |
| Total | $9,439.48 | $8,449.48 |
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 Northern New Jersey
- E-3 — $4,275/mo
- E-4 — $4,275/mo
- E-5 — $4,749/mo
- E-6 — $5,052/mo
- E-7 — $5,073/mo
- O-2 — $5,049/mo
- O-3 — $5,094/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-1 in Northern New Jersey?
The 2026 O-1 BAH rate in Northern New Jersey is $4,791/mo with dependents and $3,801/mo without dependents.
What is the total monthly pay for O-1 in Northern New Jersey?
An O-1 with 2 years of service in Northern New Jersey earns approximately $9,439.48/mo total compensation with dependents (base pay $4,320 + BAH $4,791 + BAS $328.48). Without dependents: $8,449.48/mo.
Is Northern New Jersey BAH above or below average?
O-1 BAH in Northern New Jersey is $2,456 above the national average of $2,335/mo with dependents.
O-1 BAH in Northern New Jersey, NJ, in context
An O-1 with dependents in Northern New Jersey, NJ draws $4,791/mo — 105.2% above the national average of $2,335 for this grade (4th of 299 MHAs). Without dependents the rate is $3,801/mo, a $990 difference.
Promotion changes housing money here: pinning on O-2 raises BAH in this MHA by $258/mo (to $5,049), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.