BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA

Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.

Or type your rank

Press Enter to look it up.

Enlisted
E-1E-2E-3E-4E-5E-6E-7E-8E-9
Warrant
W-1W-2W-3W-4W-5
Prior enl.
O-1EO-2EO-3E
Officer
O-1O-2O-3O-4O-5O-6O-7
Dependents
With $2,655 Without $2,298

E-5 at Atlantic City draws $2,655 per month with dependents in 2026, $2,298 without

Permalink bahratedesk.com/atlantic-city-nj/ Excel CSV
Atlantic City, NJ
E-5 · with dependents
$2,655/ month
$31,860 / year
At E-5, this is #78 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA NJ196 · ZIPs 08037 08201 08203 08205 08213 08215 +26 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $3,404 / mo gross
Without dependents here $2,298 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Atlantic City · E-5 · $2,655/mo
Atlantic City $2,655/mo · $31,860/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Atlantic City — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,559 $2,004
E-2 $2,559 $2,004
E-3 $2,559 $2,004
E-4 $2,559 $2,004
E-5 $2,655 $2,298
E-6 $3,291 $2,469
E-7 $3,414 $2,562
E-8 $3,543 $2,784
E-9 $3,735 $2,976
Warrant officer
W-1 $3,312 $2,538
W-2 $3,465 $2,781
W-3 $3,627 $2,997
W-4 $3,774 $3,318
W-5 $3,954 $3,441
Officer — prior enlisted
O-1E $3,435 $2,652
O-2E $3,603 $2,934
O-3E $3,801 $3,285
Officer
O-1 $2,736 $2,457
O-2 $3,285 $2,628
O-3 $3,624 $3,060
O-4 $4,014 $3,417
O-5 $4,296 $3,486
O-6 $4,332 $3,606
O-7 $4,365 $3,669

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Boulder $2,754
Cape May $2,754
Everett $2,748
Tampa $2,709
Fort Myers Beach $2,694
Fort Pierce $2,691
Philadelphia $2,691
Fort Detrick $2,682
Edwards AFB $2,658
Orlando $2,658
Atlantic City $2,655
Madison $2,655
County Cost Group 870 $2,652
Ballston Spa $2,634
Baltimore $2,610
Milwaukee $2,607
Outer Banks $2,604
New London $2,580
Ann Arbor $2,559
JB Lewis-McChord $2,556
Stockton $2,553
Anniston $1,185

Atlantic City is #78 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Atlantic City0 – $4,365 / month
E-1 $2,559
E-2 $2,559
E-3 $2,559
E-4 $2,559
E-5 $2,655
E-6 $3,291
E-7 $3,414
E-8 $3,543
E-9 $3,735
W-1 $3,312
W-2 $3,465
W-3 $3,627
W-4 $3,774
W-5 $3,954
O-1E $3,435
O-2E $3,603
O-3E $3,801
O-1 $2,736
O-2 $3,285
O-3 $3,624
O-4 $4,014
O-5 $4,296
O-6 $4,332
O-7 $4,365

The pay chart moves this allowance far less than the map does.

Moving from Atlantic City to San Francisco at E-5 is worth $2,472 a month — about 4 promotions at this grade. Where you are stationed outweighs rank, by a lot.

Things the rate table doesn't tell you

01

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

02

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

03

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.