2025 BAH Rates in New Jersey – Monthly Housing by ZIP
Last Updated June 17th, 2025
The 2025 Basic Allowance for Housing (BAH) rates for New Jersey are now live. These monthly, tax-free housing payments help active-duty military members afford off-base rentals or housing expenses. Whether you’re stationed at Joint Base McGuire-Dix-Lakehurst, near Picatinny Arsenal, or posted in high-cost areas like Monmouth County or northern New Jersey, your updated rates are listed below.
BAH adjustments for 2025 reflect continued rent increases around New York metro ZIPs, coastal towns, and central Jersey installations. For nationwide comparisons, check our BAH rates overview. Or explore local mortgage options in our New Jersey VA loan guide.
Find out how far your BAH goes in New Jersey
View BAH Rates in:
What Is the Basic Allowance for Housing (BAH)?
BAH is a tax-free monthly allowance given to military members who live off base. In New Jersey, it’s especially critical due to the state’s high housing costs. Members stationed at JB McGuire-Dix-Lakehurst, Fort Monmouth, Picatinny Arsenal, or at recruiting offices in Newark, Trenton, or Toms River all qualify based on their ZIP code and rank.
How Are New Jersey BAH Rates Determined?
- ZIP Code: Each location — including 08641 (JB MDL), 07070 (Northern NJ), and 07728 (Monmouth) — has a different BAH level based on rental data.
- Pay Grade: Higher ranks receive more BAH to reflect housing needs.
- Dependents: If you have dependents, your BAH will be higher to support family housing.
Using the BAH Chart
- Locate your assigned base or ZIP code
- Match your military pay grade
- Compare “with” vs. “without” dependents monthly allowances
Using Your BAH to Buy a Home in New Jersey
Instead of paying rent, many service members choose to apply their BAH toward a mortgage using a VA home loan. In communities like Cherry Hill, Brick, or Freehold, BAH may cover much — or all — of your monthly mortgage with no down payment required.
VA Loan Perks for New Jersey Buyers:
- No down payment required on most home purchases
- No monthly PMI (Private Mortgage Insurance)
- Credit flexibility and manual underwriting for borderline scores
- Access to competitive VA mortgage rates
Whether you’re stationed at JB MDL or retiring near the coast, using your BAH to build equity in New Jersey may be a smart move.
New Jersey Rental Market & 2025 BAH Coverage
New Jersey remains one of the most expensive housing states for military families — especially near New York, Philadelphia, and along the Jersey Shore. In 2025, BAH rates increased across most areas, including Burlington County (JB MDL), Essex County, and Monmouth County. Whether you’re stationed inland or in a coastal city like Atlantic City or Toms River, your BAH should provide meaningful housing support — but out-of-pocket costs may still apply in higher-priced ZIPs.
Atlantic City, NJ BAH Rates
Military Housing Area: NJ196
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,466 | $1,968 |
| E02 | $2,466 | $1,968 |
| E03 | $2,466 | $1,968 |
| E04 | $2,466 | $1,968 |
| E05 | $2,541 | $2,238 |
| E06 | $3,153 | $2,391 |
| E07 | $3,303 | $2,478 |
| E08 | $3,462 | $2,667 |
| E09 | $3,639 | $2,847 |
| W01 | $3,177 | $2,454 |
| W02 | $3,369 | $2,664 |
| W03 | $3,564 | $2,871 |
| W04 | $3,669 | $3,186 |
| W05 | $3,795 | $3,339 |
| O01E | $3,330 | $2,538 |
| O02E | $3,537 | $2,808 |
| O03E | $3,684 | $3,147 |
| O01 | $2,619 | $2,388 |
| O02 | $3,147 | $2,520 |
| O03 | $3,558 | $2,931 |
| O04 | $3,837 | $3,309 |
| O05 | $4,029 | $3,399 |
| O06 | $4,065 | $3,546 |
| O07 | $4,098 | $3,612 |
BAH for ATLANTIC CITY, NJ includes the following zip codes: 08037, 08201, 08203, 08205, 08213, 08215, 08217, 08220, 08221, 08225, 08231, 08232, 08234, 08240, 08241, 08244, 08310, 08317, 08319, 08326, 08330, 08340, 08341, 08342, 08346, 08350, 08401, 08402, 08403, 08404, 08405, 08406
Cape May, NJ BAH Rates
Military Housing Area: NJ198
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,319 | $1,740 |
| E02 | $2,319 | $1,740 |
| E03 | $2,319 | $1,740 |
| E04 | $2,319 | $1,740 |
| E05 | $2,529 | $1,962 |
| E06 | $2,934 | $2,199 |
| E07 | $2,955 | $2,325 |
| E08 | $2,964 | $2,613 |
| E09 | $3,069 | $2,727 |
| W01 | $2,952 | $2,256 |
| W02 | $2,961 | $2,610 |
| W03 | $2,973 | $2,745 |
| W04 | $3,117 | $2,928 |
| W05 | $3,318 | $2,943 |
| O01E | $2,958 | $2,526 |
| O02E | $2,967 | $2,703 |
| O03E | $3,144 | $2,925 |
| O01 | $2,583 | $2,106 |
| O02 | $2,931 | $2,463 |
| O03 | $2,970 | $2,784 |
| O04 | $3,387 | $2,931 |
| O05 | $3,699 | $2,946 |
| O06 | $3,732 | $2,949 |
| O07 | $3,762 | $2,985 |
BAH for CAPE MAY, NJ includes the following zip codes: 08202, 08204, 08210, 08212, 08214, 08218, 08219, 08223, 08226, 08230, 08242, 08243, 08245, 08246, 08247, 08248, 08250, 08251, 08252, 08260, 08270
Fort Monmouth/Earle NWS, NJ BAH Rates
Military Housing Area: NJ200
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $3,231 | $2,451 |
| E02 | $3,231 | $2,451 |
| E03 | $3,231 | $2,451 |
| E04 | $3,231 | $2,451 |
| E05 | $3,366 | $2,871 |
| E06 | $3,780 | $3,102 |
| E07 | $3,906 | $3,234 |
| E08 | $4,035 | $3,453 |
| E09 | $4,242 | $3,573 |
| W01 | $3,804 | $3,195 |
| W02 | $3,960 | $3,450 |
| W03 | $4,119 | $3,588 |
| W04 | $4,290 | $3,807 |
| W05 | $4,497 | $3,933 |
| O01E | $3,924 | $3,363 |
| O02E | $4,098 | $3,546 |
| O03E | $4,320 | $3,774 |
| O01 | $3,423 | $3,090 |
| O02 | $3,777 | $3,324 |
| O03 | $4,116 | $3,630 |
| O04 | $4,569 | $3,906 |
| O05 | $4,893 | $3,978 |
| O06 | $4,938 | $4,101 |
| O07 | $4,980 | $4,176 |
BAH for FORT MONMOUTH/EARLE NWS, NJ includes the following zip codes: 07701, 07702, 07703, 07704, 07710, 07711, 07712, 07715, 07716, 07717, 07718, 07719, 07720, 07721, 07722, 07723, 07724, 07726, 07727, 07728, 07730, 07731, 07732, 07733, 07734, 07735, 07737, 07738, 07739, 07740, 07746, 07747, 07748, 07750, 07751, 07752, 07753, 07754, 07755, 07756, 07757, 07758, 07760, 07762, 07763, 07764, 07765, 07799, 08501, 08510, 08514, 08526, 08535, 08555, 08720, 08730, 08735, 08736, 08738, 08739, 08742, 08750, 08751, 08752
Perth Amboy, NJ BAH Rates
Military Housing Area: NJ201
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $3,150 | $2,418 |
| E02 | $3,150 | $2,418 |
| E03 | $3,150 | $2,418 |
| E04 | $3,150 | $2,418 |
| E05 | $3,240 | $2,835 |
| E06 | $3,900 | $3,060 |
| E07 | $3,957 | $3,150 |
| E08 | $4,011 | $3,375 |
| E09 | $4,149 | $3,573 |
| W01 | $3,921 | $3,132 |
| W02 | $3,978 | $3,372 |
| W03 | $4,050 | $3,594 |
| W04 | $4,188 | $3,909 |
| W05 | $4,359 | $3,966 |
| O01E | $3,960 | $3,237 |
| O02E | $4,038 | $3,528 |
| O03E | $4,212 | $3,894 |
| O01 | $3,324 | $3,054 |
| O02 | $3,894 | $3,216 |
| O03 | $4,047 | $3,663 |
| O04 | $4,416 | $3,951 |
| O05 | $4,677 | $3,978 |
| O06 | $4,719 | $4,029 |
| O07 | $4,758 | $4,104 |
BAH for PERTH AMBOY, NJ includes the following zip codes: 07001, 07008, 07059, 07063, 07064, 07067, 07069, 07077, 07080, 07095, 07920, 07921, 07924, 07931, 07934, 07938, 07939, 07977, 07978, 08502, 08504, 08512, 08528, 08536, 08553, 08558, 08805, 08807, 08810, 08812, 08816, 08817, 08818, 08820, 08821, 08823, 08824, 08828, 08830, 08831, 08832, 08835, 08836, 08837, 08840, 08844, 08846, 08850, 08852, 08853, 08854, 08855, 08857, 08859, 08861, 08862, 08863, 08869, 08871, 08872, 08873, 08875, 08876, 08879, 08880, 08882, 08884, 08890, 08899, 08901, 08902, 08903, 08904, 08906, 08933, 08989
Northern New Jersey, NJ BAH Rates
Military Housing Area: NJ202
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $4,035 | $3,027 |
| E02 | $4,035 | $3,027 |
| E03 | $4,035 | $3,027 |
| E04 | $4,035 | $3,027 |
| E05 | $4,392 | $3,414 |
| E06 | $4,638 | $3,720 |
| E07 | $4,659 | $4,050 |
| E08 | $4,677 | $4,446 |
| E09 | $4,851 | $4,509 |
| W01 | $4,656 | $3,915 |
| W02 | $4,665 | $4,443 |
| W03 | $4,698 | $4,521 |
| W04 | $4,914 | $4,635 |
| W05 | $5,181 | $4,662 |
| O01E | $4,662 | $4,389 |
| O02E | $4,689 | $4,494 |
| O03E | $4,953 | $4,629 |
| O01 | $4,428 | $3,675 |
| O02 | $4,635 | $4,275 |
| O03 | $4,695 | $4,545 |
| O04 | $5,274 | $4,650 |
| O05 | $5,691 | $4,665 |
| O06 | $5,745 | $4,674 |
| O07 | $5,793 | $4,761 |
BAH for NORTHERN NEW JERSEY, NJ includes the following zip codes: 07003, 07004, 07005, 07006, 07007, 07009, 07010, 07011, 07012, 07013, 07014, 07015, 07016, 07017, 07018, 07019, 07020, 07021, 07022, 07023, 07024, 07026, 07027, 07028, 07029, 07030, 07031, 07032, 07033, 07034, 07035, 07036, 07039, 07040, 07041, 07042, 07043, 07044, 07045, 07046, 07047, 07050, 07051, 07052, 07054, 07055, 07057, 07058, 07060, 07061, 07062, 07065, 07066, 07068, 07070, 07071, 07072, 07073, 07074, 07075, 07076, 07078, 07079, 07081, 07082, 07083, 07086, 07087, 07088, 07090, 07091, 07092, 07093, 07094, 07096, 07097, 07099, 07101, 07102, 07103, 07104, 07105, 07106, 07107, 07108, 07109, 07110, 07111, 07112, 07114, 07175, 07184, 07188, 07189, 07191, 07192, 07193, 07195, 07198, 07199, 07201, 07202, 07203, 07204, 07205, 07206, 07207, 07208, 07302, 07303, 07304, 07305, 07306, 07307, 07308, 07310, 07311, 07395, 07399, 07401, 07403, 07405, 07407, 07410, 07416, 07417, 07418, 07419, 07420, 07421, 07422, 07423, 07424, 07428, 07430, 07432, 07435, 07436, 07438, 07439, 07440, 07442, 07444, 07446, 07450, 07451, 07452, 07456, 07457, 07458, 07460, 07461, 07462, 07463, 07465, 07470, 07474, 07480, 07481, 07495, 07501, 07502, 07503, 07504, 07505, 07506, 07507, 07508, 07509, 07510, 07511, 07512, 07513, 07514, 07522, 07524, 07533, 07538, 07543, 07544, 07601, 07602, 07603, 07604, 07605, 07606, 07607, 07608, 07620, 07621, 07624, 07626, 07627, 07628, 07630, 07631, 07632, 07640, 07641, 07642, 07643, 07644, 07645, 07646, 07647, 07648, 07649, 07650, 07652, 07653, 07656, 07657, 07660, 07661, 07662, 07663, 07666, 07670, 07675, 07676, 07677, 07699, 07801, 07802, 07803, 07806, 07821, 07822, 07826, 07827, 07828, 07834, 07836, 07837, 07839, 07842, 07843, 07845, 07847, 07848, 07849, 07850, 07851, 07852, 07853, 07855, 07856, 07857, 07860, 07866, 07869, 07870, 07871, 07874, 07875, 07876, 07877, 07878, 07879, 07881, 07885, 07901, 07902, 07922, 07926, 07927, 07928, 07930, 07932, 07933, 07935, 07936, 07940, 07945, 07946, 07950, 07960, 07961, 07962, 07963, 07970, 07974, 07976, 07980, 07981, 07999
Trenton, NJ BAH Rates
Military Housing Area: NJ203
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $3,072 | $2,310 |
| E02 | $3,072 | $2,310 |
| E03 | $3,072 | $2,310 |
| E04 | $3,072 | $2,310 |
| E05 | $3,342 | $2,628 |
| E06 | $3,771 | $2,829 |
| E07 | $3,876 | $3,081 |
| E08 | $3,981 | $3,432 |
| E09 | $4,191 | $3,555 |
| W01 | $3,792 | $2,985 |
| W02 | $3,921 | $3,429 |
| W03 | $4,053 | $3,570 |
| W04 | $4,245 | $3,792 |
| W05 | $4,476 | $3,900 |
| O01E | $3,891 | $3,339 |
| O02E | $4,035 | $3,528 |
| O03E | $4,278 | $3,765 |
| O01 | $3,399 | $2,799 |
| O02 | $3,768 | $3,255 |
| O03 | $4,050 | $3,615 |
| O04 | $4,557 | $3,876 |
| O05 | $4,920 | $3,933 |
| O06 | $4,965 | $4,035 |
| O07 | $5,007 | $4,110 |
BAH for TRENTON, NJ includes the following zip codes: 07830, 07979, 08520, 08525, 08530, 08534, 08540, 08541, 08542, 08543, 08544, 08550, 08551, 08556, 08557, 08559, 08560, 08561, 08601, 08602, 08603, 08604, 08605, 08606, 08607, 08608, 08609, 08610, 08611, 08618, 08619, 08620, 08625, 08628, 08629, 08638, 08645, 08646, 08647, 08648, 08650, 08666, 08690, 08691, 08695, 08801, 08802, 08803, 08804, 08809, 08822, 08825, 08826, 08827, 08829, 08833, 08834, 08848, 08858, 08867, 08868, 08870, 08885, 08887, 08888, 08889
JB McGuire-Dix-Lakehurst, NJ BAH Rates
Military Housing Area: NJ204
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,595 | $1,977 |
| E02 | $2,595 | $1,977 |
| E03 | $2,595 | $1,977 |
| E04 | $2,595 | $1,977 |
| E05 | $2,688 | $2,316 |
| E06 | $3,288 | $2,505 |
| E07 | $3,333 | $2,595 |
| E08 | $3,375 | $2,811 |
| E09 | $3,501 | $2,988 |
| W01 | $3,309 | $2,577 |
| W02 | $3,351 | $2,808 |
| W03 | $3,408 | $3,009 |
| W04 | $3,540 | $3,294 |
| W05 | $3,699 | $3,342 |
| O01E | $3,336 | $2,685 |
| O02E | $3,399 | $2,949 |
| O03E | $3,561 | $3,282 |
| O01 | $2,766 | $2,499 |
| O02 | $3,282 | $2,661 |
| O03 | $3,405 | $3,069 |
| O04 | $3,753 | $3,327 |
| O05 | $4,002 | $3,348 |
| O06 | $4,038 | $3,387 |
| O07 | $4,071 | $3,450 |
BAH for JB MCGUIRE-DIX-LAKEHURST, NJ includes the following zip codes: 08005, 08006, 08008, 08011, 08015, 08016, 08019, 08022, 08036, 08041, 08042, 08046, 08048, 08050, 08052, 08053, 08054, 08055, 08057, 08060, 08064, 08065, 08068, 08073, 08075, 08076, 08077, 08087, 08088, 08092, 08224, 08505, 08511, 08515, 08518, 08527, 08533, 08554, 08562, 08640, 08641, 08701, 08721, 08722, 08723, 08724, 08731, 08732, 08733, 08734, 08740, 08741, 08753, 08754, 08755, 08756, 08757, 08758, 08759
2025 BAH FAQs for New Jersey
How much did BAH rise in New Jersey for 2025?
BAH rates in New Jersey increased an average of 5.6%, with steeper growth in northern and coastal areas like Newark and Monmouth County.
What areas in NJ have the highest BAH?
ZIPs near the NYC border (e.g. 07070), the Jersey Shore, and around Picatinny Arsenal often have the highest allowances due to elevated rental costs.
What is the BAH for an E-5 with dependents at JB McGuire-Dix-Lakehurst?
An E-5 with dependents at JB MDL receives approximately $2,646/month in 2025.
Does BAH fully cover rent in New Jersey?
In more affordable regions, yes. But in high-cost counties like Bergen or Monmouth, you may need to supplement your rent with out-of-pocket funds.
Is BAH considered income for taxes?
No. BAH is completely tax-free and doesn’t count as earned income for IRS or state purposes.
Can I use my BAH to buy a house?
Yes. VA lenders recognize BAH as stable income and use it toward qualifying you for a mortgage.
What ZIP applies to Picatinny Arsenal?
Picatinny Arsenal typically uses ZIP 07806 for housing allowance purposes.
When do BAH rates reset?
New rates take effect in January of each year, following the Department of Defense’s annual review of housing costs.
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