Updated February 2026

BAH Rates Northern New Jersey, NJ 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Northern New Jersey military housing area (MHA: NJ202), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$4,749

$56,988/year

E-5 without Dependents

$3,561

$42,732/year

O-3 with Dependents

$5,094

$61,128/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$4,275	$51,300
E-2	$4,275	$51,300
E-3	$4,275	$51,300
E-4	$4,275	$51,300
E-5	$4,749	$56,988
E-6	$5,052	$60,624
E-7	$5,073	$60,876
E-8	$5,082	$60,984
E-9	$5,235	$62,820
Warrant Officer
W-1	$5,070	$60,840
W-2	$5,079	$60,948
W-3	$5,097	$61,164
W-4	$5,289	$63,468
W-5	$5,529	$66,348
Commissioned Officer (Prior Enlisted)
O-1E	$5,076	$60,912
O-2E	$5,088	$61,056
O-3E	$5,325	$63,900
Commissioned Officer
O-1	$4,791	$57,492
O-2	$5,049	$60,588
O-3	$5,094	$61,128
O-4	$5,610	$67,320
O-5	$5,991	$71,892
O-6	$6,042	$72,504
O-7	$6,093	$73,116

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$3,207	$38,484
E-2	$3,207	$38,484
E-3	$3,207	$38,484
E-4	$3,207	$38,484
E-5	$3,561	$42,732
E-6	$3,861	$46,332
E-7	$4,299	$51,588
E-8	$4,815	$57,780
E-9	$4,896	$58,752
Warrant Officer
W-1	$4,113	$49,356
W-2	$4,812	$57,744
W-3	$4,908	$58,896
W-4	$5,046	$60,552
W-5	$5,067	$60,804
Commissioned Officer (Prior Enlisted)
O-1E	$4,746	$56,952
O-2E	$4,878	$58,536
O-3E	$5,043	$60,516
Commissioned Officer
O-1	$3,801	$45,612
O-2	$4,593	$55,116
O-3	$4,938	$59,256
O-4	$5,055	$60,660
O-5	$5,070	$60,840
O-6	$5,073	$60,876
O-7	$5,163	$61,956

Frequently Asked Questions

What is the BAH rate for an E-5 in Northern New Jersey?

The 2026 BAH rate for an E-5 with dependents in Northern New Jersey, NJ is $4,749 per month ($56,988 per year). Without dependents, the rate is $3,561 per month.

How many ZIP codes are in the Northern New Jersey MHA?

The Northern New Jersey Military Housing Area code is NJ202.

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.