E-7 BAH Rates in Philadelphia, NJ (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an E-7 (Sergeant First Class (SFC)) stationed in Philadelphia, NJ is $3,000 per month with dependents and $2,457 per month without dependents. This rate is $298 above the national average for E-7.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with E-7 base pay of $6,000.9/mo (at 16 years of service) and BAS of $476.95/mo, total monthly compensation in Philadelphia is approximately $9,477.85 with dependents or $8,934.85 without.
E-7 BAH: Philadelphia vs National Average
| Philadelphia | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $3,000 | $2,702 | +$298 |
| Without Dependents | $2,457 | $2,158 | +$299 |
E-7 Total Monthly Compensation in Philadelphia
Here is how E-7 pay breaks down for a service member with 16 years of service stationed in Philadelphia:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $6,000.9 | $6,000.9 |
| BAH | $3,000 | $2,457 |
| BAS | $476.95 | $476.95 |
| Total | $9,477.85 | $8,934.85 |
Base pay shown for 16 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-5 — $2,691/mo
- E-6 — $2,979/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-7 in Philadelphia?
The 2026 E-7 BAH rate in Philadelphia is $3,000/mo with dependents and $2,457/mo without dependents.
What is the total monthly pay for E-7 in Philadelphia?
An E-7 with 16 years of service in Philadelphia earns approximately $9,477.85/mo total compensation with dependents (base pay $6,000.9 + BAH $3,000 + BAS $476.95). Without dependents: $8,934.85/mo.
Is Philadelphia BAH above or below average?
E-7 BAH in Philadelphia is $298 above the national average of $2,702/mo with dependents.
E-7 BAH in Philadelphia, Pa/Camden, NJ, in context
An E-7 with dependents in Philadelphia, Pa/Camden, NJ draws $3,000/mo — 11% above the national average of $2,702 for this grade (77th of 299 MHAs). Without dependents the rate is $2,457/mo, a $543 difference.
Promotion changes housing money here: pinning on E-8 raises BAH in this MHA by $9/mo (to $3,009), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.