E-5 BAH Rates in Philadelphia, NJ (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an E-5 (Sergeant (SGT)) stationed in Philadelphia, NJ is $2,691 per month with dependents and $2,091 per month without dependents. This rate is $402 above the national average for E-5.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with E-5 base pay of $4,110/mo (at 6 years of service) and BAS of $476.95/mo, total monthly compensation in Philadelphia is approximately $7,277.95 with dependents or $6,677.95 without.
E-5 BAH: Philadelphia vs National Average
| Philadelphia | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,691 | $2,289 | +$402 |
| Without Dependents | $2,091 | $1,871 | +$220 |
E-5 Total Monthly Compensation in Philadelphia
Here is how E-5 pay breaks down for a service member with 6 years of service stationed in Philadelphia:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $4,110 | $4,110 |
| BAH | $2,691 | $2,091 |
| BAS | $476.95 | $476.95 |
| Total | $7,277.95 | $6,677.95 |
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 Philadelphia
- E-3 — $2,448/mo
- E-4 — $2,448/mo
- E-6 — $2,979/mo
- E-7 — $3,000/mo
- O-1 — $2,733/mo
- O-2 — $2,976/mo
- O-3 — $3,015/mo
Frequently Asked Questions
What is the 2026 BAH rate for E-5 in Philadelphia?
The 2026 E-5 BAH rate in Philadelphia is $2,691/mo with dependents and $2,091/mo without dependents.
What is the total monthly pay for E-5 in Philadelphia?
An E-5 with 6 years of service in Philadelphia earns approximately $7,277.95/mo total compensation with dependents (base pay $4,110 + BAH $2,691 + BAS $476.95). Without dependents: $6,677.95/mo.
Is Philadelphia BAH above or below average?
E-5 BAH in Philadelphia is $402 above the national average of $2,289/mo with dependents.
E-5 BAH in Philadelphia, Pa/Camden, NJ, in context
An E-5 with dependents in Philadelphia, Pa/Camden, NJ draws $2,691/mo — 17.6% above the national average of $2,289 for this grade (72nd of 299 MHAs). Without dependents the rate is $2,091/mo, a $600 difference.
Promotion changes housing money here: pinning on E-6 raises BAH in this MHA by $288/mo (to $2,979), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.