2025 New Jersey BAH (Basic Allowance for Housing) Rates
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What is the Basic Allowance for Housing (BAH)?
The Basic Allowance for Housing (BAH) is a vital financial support mechanism for U.S. military personnel, aimed at helping with housing expenses while stationed away from their primary residence. In New Jersey, BAH adjustments are tailored according to rank, duty location, and the presence of dependents, ensuring the allowance matches the local housing market costs.
Each year, the Department of Defense revises BAH rates to adapt to fluctuations in housing expenses, helping service members achieve financial stability. This page provides the latest BAH rates for New Jersey, allowing you to determine the appropriate allowance based on your rank and family circumstances.
Determining BAH Rates
BAH rates in New Jersey are determined by several critical factors:
- Location: Reflects the varied housing costs across different Military Housing Areas (MHA).
- Rank: Higher ranks receive increased allowances, reflecting their broader responsibilities and housing needs.
- Dependents: Service members with families are eligible for higher BAH rates to support proper family accommodation.
BAH is intended to provide financial aid to military members to secure appropriate and affordable housing, fostering stability and comfort throughout their service in New Jersey.
Using the BAH Charts
To calculate your monthly BAH:
- Identify your Military Housing Area (MHA).
- Locate your pay grade (rank) in the provided charts.
- Check if you have dependents.
These steps will help you find the exact housing allowance, enabling effective financial planning during your time in New Jersey.
2025 New Jersey BAH Rate Charts
For 2025, New Jersey’s BAH rates have increased in line with the national average of about 5.4%. This annual adjustment ensures BAH rates are aligned with the local housing market trends, offering necessary support for military personnel seeking off-base housing.
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
