What is E-4 BAH at Atlantic City in 2026?

$2,559 per month with dependents ($30,708 per year), effective 01 JAN 2026. Without dependents it is $2,004 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

E-4 BAH at Atlantic City 2026 — $2,559 with dependents, $2,004 without

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

Atlantic City, NJ

E-4 · with dependents

$2,559/ month

$30,708 / year

At E-4, this is #66 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,134

MHA NJ196 · ZIPs 08037 08201 08203 08205 08213 08215 +26 more

Your grade is calledARMYSPC / CPLUSMCCplNAVYPO3USAFSrA

Untaxed — matching it with taxable pay takes$3,281 / mo gross

Without dependents here$2,004 / mo

In government quarters, no dependents$50.10 / mo partial

Atlantic City — full sheetTap a row

Grade	With 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-4 with dependents, nearest stations0 – $5,067 / month

New York City$5,067

Sacramento$2,598

Juneau$2,580

Everett$2,568

Boulder$2,565

Atlantic City$2,559

Denver$2,556

Fort Myers Beach$2,553

Cape May$2,523

Tampa$2,520

Youngstown$1,134

Atlantic City is #66 of 338. The spread between the dearest and cheapest station at this grade is $3,933 a month — $47,196 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

Promoting to E-5 here adds $96 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Atlantic City to New York City at E-4 is worth $2,508 a month — about 26 promotions worth of housing allowance, at $96 per grade here.

Dependency status is worth 28% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

None of it is taxed. $2,559 a month of BAH takes more than $2,559 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

E-4 at Atlantic City draws $2,559 per month with dependents in 2026, $2,004 without

What this rate means

Things the rate table doesn't tell you