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
    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 $3,285Without $2,628

    O-2 at Atlantic City draws $3,285 per month with dependents in 2026, $2,628 without

    Permalinkbahratedesk.com/atlantic-city-nj/o-2/ExcelCSVDownloads cover this station.
    Atlantic City, NJ
    O-2 · with dependents
    $3,285/ month
    $39,420 / year
    At O-2, this is #58 of 338 stations loaded · high San Francisco $5,451 · low Youngstown $1,332
    MHA NJ196 · ZIPs 08037 08201 08203 08205 08213 08215 +26 more
    Your grade is calledARMY1LTUSMC1stLtNAVYLTJGUSAF1st Lt
    Untaxed — matching it with taxable pay takes$4,212 / mo gross
    Without dependents here$2,628 / mo
    In government quarters, no dependents$50.10 / mo partial
    Atlantic City — full sheetTap 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
    PCS compareAtlantic City · O-2 · $3,285/mo
    Aberdeen Proving Grounds$2,739/mo · $32,868/yr
    ▼ CUT−$546−$6,552/yr · like −$8,400 of salary

    What this rate means

    O-2 with dependents, nearest stations0 – $5,451 / month
    San Francisco$5,451
    Warrenton$3,375
    Juneau$3,369
    Boulder$3,336
    Hartford$3,327
    Atlantic City$3,285
    Fort G. G. Meade$3,273
    Everett$3,240
    Annapolis$3,225
    Sitka$3,225
    Youngstown$1,332

    Atlantic City is #58 of 338. The spread between the dearest and cheapest station at this grade is $4,119 a month — $49,428 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 O-3 here adds $339 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Atlantic City to San Francisco at O-2 is worth $2,166 a month — about 6 promotions worth of housing allowance, at $339 per grade here.

    02

    Dependency status is worth 25% 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.

    03

    None of it is taxed. $3,285 a month of BAH takes more than $3,285 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    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.