O-3 BAH Rates in NORTHERN NEW JERSEY, NJ (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in NORTHERN NEW JERSEY, NJ is $5,094 per month with dependents and $4,938 per month without dependents. This rate is $2,235 above the national average for O-3.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-3 base pay of $7,737/mo (at 6 years of service) and BAS of $328.48/mo, total monthly compensation in NORTHERN NEW JERSEY is approximately $13,159.48 with dependents or $13,003.48 without.
O-3 BAH: NORTHERN NEW JERSEY vs National Average
| NORTHERN NEW JERSEY | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $5,094 | $2,859 | +$2,235 |
| Without Dependents | $4,938 | $2,493 | +$2,445 |
O-3 Total Monthly Compensation in NORTHERN NEW JERSEY
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in NORTHERN NEW JERSEY:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $5,094 | $4,938 |
| BAS | $328.48 | $328.48 |
| Total | $13,159.48 | $13,003.48 |
Base pay shown for 6 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-2 — $5,049/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in NORTHERN NEW JERSEY?
The 2026 O-3 BAH rate in NORTHERN NEW JERSEY is $5,094/mo with dependents and $4,938/mo without dependents.
What is the total monthly pay for O-3 in NORTHERN NEW JERSEY?
An O-3 with 6 years of service in NORTHERN NEW JERSEY earns approximately $13,159.48/mo total compensation with dependents (base pay $7,737 + BAH $5,094 + BAS $328.48). Without dependents: $13,003.48/mo.
Is NORTHERN NEW JERSEY BAH above or below average?
O-3 BAH in NORTHERN NEW JERSEY is $2,235 above the national average of $2,859/mo with dependents.