Updated February 2026

BAH Rates Philadelphia, NJ 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Philadelphia military housing area (MHA: PA248), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$2,691

$32,292/year

E-5 without Dependents

$2,091

$25,092/year

O-3 with Dependents

$3,015

$36,180/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,448	$29,376
E-2	$2,448	$29,376
E-3	$2,448	$29,376
E-4	$2,448	$29,376
E-5	$2,691	$32,292
E-6	$2,979	$35,748
E-7	$3,000	$36,000
E-8	$3,009	$36,108
E-9	$3,111	$37,332
Warrant Officer
W-1	$2,997	$35,964
W-2	$3,006	$36,072
W-3	$3,018	$36,216
W-4	$3,156	$37,872
W-5	$3,366	$40,392
Commissioned Officer (Prior Enlisted)
O-1E	$3,003	$36,036
O-2E	$3,012	$36,144
O-3E	$3,189	$38,268
Commissioned Officer
O-1	$2,733	$32,796
O-2	$2,976	$35,712
O-3	$3,015	$36,180
O-4	$3,435	$41,220
O-5	$3,759	$45,108
O-6	$3,789	$45,468
O-7	$3,816	$45,792

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,893	$22,716
E-2	$1,893	$22,716
E-3	$1,893	$22,716
E-4	$1,893	$22,716
E-5	$2,091	$25,092
E-6	$2,232	$26,784
E-7	$2,457	$29,484
E-8	$2,754	$33,048
E-9	$2,832	$33,984
Warrant Officer
W-1	$2,373	$28,476
W-2	$2,751	$33,012
W-3	$2,844	$34,128
W-4	$2,973	$35,676
W-5	$2,982	$35,784
Commissioned Officer (Prior Enlisted)
O-1E	$2,688	$32,256
O-2E	$2,814	$33,768
O-3E	$2,970	$35,640
Commissioned Officer
O-1	$2,205	$26,460
O-2	$2,613	$31,356
O-3	$2,871	$34,452
O-4	$2,976	$35,712
O-5	$2,985	$35,820
O-6	$2,988	$35,856
O-7	$3,018	$36,216

34 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Philadelphia (PA248) Military Housing Area:

08002 08003 08004 08007 08009 08012 08021 08026 08029 08030 08031 08033 08034 08035 08043 08045 08049 08059 08078 08081 08083 08084 08089 08091 08095 08102 08103 08104 08105 08106 08107 08108 08109 08110

Frequently Asked Questions

What is the BAH rate for an E-5 in Philadelphia?

The 2026 BAH rate for an E-5 with dependents in Philadelphia, NJ is $2,691 per month ($32,292 per year). Without dependents, the rate is $2,091 per month.

How many ZIP codes are in the Philadelphia MHA?

The Philadelphia Military Housing Area (PA248) includes 34 ZIP codes.

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.