O-2 BAH Rates in Northern New Jersey, NJ (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-2 (First Lieutenant (1LT)) stationed in Northern New Jersey, NJ is $5,049 per month with dependents and $4,593 per month without dependents. This rate is $2,441 above the national average for O-2.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-2 base pay of $6,484.5/mo (at 4 years of service) and BAS of $328.48/mo, total monthly compensation in Northern New Jersey is approximately $11,861.98 with dependents or $11,405.98 without.
O-2 BAH: Northern New Jersey vs National Average
| Northern New Jersey | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $5,049 | $2,608 | +$2,441 |
| Without Dependents | $4,593 | $2,243 | +$2,350 |
O-2 Total Monthly Compensation in Northern New Jersey
Here is how O-2 pay breaks down for a service member with 4 years of service stationed in Northern New Jersey:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,484.5 | $6,484.5 |
| BAH | $5,049 | $4,593 |
| BAS | $328.48 | $328.48 |
| Total | $11,861.98 | $11,405.98 |
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-4 — $4,275/mo
- E-5 — $4,749/mo
- E-6 — $5,052/mo
- E-7 — $5,073/mo
- O-1 — $4,791/mo
- O-3 — $5,094/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-2 in Northern New Jersey?
The 2026 O-2 BAH rate in Northern New Jersey is $5,049/mo with dependents and $4,593/mo without dependents.
What is the total monthly pay for O-2 in Northern New Jersey?
An O-2 with 4 years of service in Northern New Jersey earns approximately $11,861.98/mo total compensation with dependents (base pay $6,484.5 + BAH $5,049 + BAS $328.48). Without dependents: $11,405.98/mo.
Is Northern New Jersey BAH above or below average?
O-2 BAH in Northern New Jersey is $2,441 above the national average of $2,608/mo with dependents.
O-2 BAH in Northern New Jersey, NJ, in context
An O-2 with dependents in Northern New Jersey, NJ draws $5,049/mo — 93.6% above the national average of $2,608 for this grade (5th of 299 MHAs). Without dependents the rate is $4,593/mo, a $456 difference.
Promotion changes housing money here: pinning on O-3 raises BAH in this MHA by $45/mo (to $5,094), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.