2026 BAH Rates in New Jersey – Monthly Housing by ZIP & Rank
In high-cost areas like McGuire AFB or near NYC, your 2026 BAH helps offset steep housing prices. Many service members use it to qualify for a $0 down VA loan, even with lower credit scores. We work with Veterans starting at 580 credit and offer manual underwriting to help get you approved when others won’t. View the latest BAH rates across New Jersey below.
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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 & 2026 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 2026, 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
