O-3 BAH Rates in Trenton, NJ (2026)

The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Trenton, NJ is $4,362 per month with dependents and $3,786 per month without dependents. This rate is $1,503 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 Trenton is approximately $12,427.48 with dependents or $11,851.48 without.

O-3 BAH: Trenton vs National Average

	Trenton	National Avg	Difference
With Dependents	$4,362	$2,859	+$1,503
Without Dependents	$3,786	$2,493	+$1,293

O-3 Total Monthly Compensation in Trenton

Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Trenton:

Component	With Dependents	Without Dependents
Base Pay	$7,737	$7,737
BAH	$4,362	$3,786
BAS	$328.48	$328.48
Total	$12,427.48	$11,851.48

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 Trenton

• E-3 — $3,210/mo
• E-4 — $3,210/mo
• E-5 — $3,465/mo
• E-6 — $3,972/mo
• E-7 — $4,116/mo
• O-1 — $3,531/mo
• O-2 — $3,969/mo

Frequently Asked Questions

What is the 2026 BAH rate for O-3 in Trenton?

The 2026 O-3 BAH rate in Trenton is $4,362/mo with dependents and $3,786/mo without dependents.

What is the total monthly pay for O-3 in Trenton?

An O-3 with 6 years of service in Trenton earns approximately $12,427.48/mo total compensation with dependents (base pay $7,737 + BAH $4,362 + BAS $328.48). Without dependents: $11,851.48/mo.

Is Trenton BAH above or below average?

O-3 BAH in Trenton is $1,503 above the national average of $2,859/mo with dependents.

View all New Jersey BAH rates →