What is O-1 BAH at Atlantic City in 2026?

$2,457 per month without dependents ($29,484 per year), effective 01 JAN 2026. with dependents it is $2,736 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.

O-1 BAH at Atlantic City 2026 — $2,457/mo without dependents

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

Atlantic City, NJ

O-1 · without dependents

$2,457/ month

$29,484 / year

At O-1, this is #60 of 338 stations loaded · high New York City $5,067 · low Youngstown $1,074

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

Your grade is calledARMY2LTUSMC2ndLtNAVYENSUSAF2d Lt

Untaxed — matching it with taxable pay takes$3,150 / mo gross

Other dependency status here$2,736 with dependents

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

O-1 without dependents, nearest stations0 – $5,067 / month

New York City$5,067

Newport$2,517

Quantico$2,499

Beale AFB$2,496

County Cost Group 880$2,478

Atlantic City$2,457

Sitka$2,418

Fort Myers Beach$2,406

Hartford$2,397

Everett$2,385

Youngstown$1,074

Atlantic City is #60 of 338. The spread between the dearest and cheapest station at this grade is $3,993 a month — $47,916 a year, untaxed.

Every pay grade at Atlantic City0 – $3,669 / month

E-1$2,004

E-2$2,004

E-3$2,004

E-4$2,004

E-5$2,298

E-6$2,469

E-7$2,562

E-8$2,784

E-9$2,976

W-1$2,538

W-2$2,781

W-3$2,997

W-4$3,318

W-5$3,441

O-1E$2,652

O-2E$2,934

O-3E$3,285

O-1$2,457

O-2$2,628

O-3$3,060

O-4$3,417

O-5$3,486

O-6$3,606

O-7$3,669

Promoting to O-2 here adds $171 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 O-1 is worth $2,610 a month — about 15 promotions worth of housing allowance, at $171 per grade here.

Dependency status is worth 11% 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. $2,457 a month of BAH takes more than $2,457 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.

O-1 without dependents at Atlantic City draws $2,457 per month in 2026

What this rate means

Things the rate table doesn't tell you