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
    WithWithout

    O-5 without dependents at Atlantic City draws $3,486 per month in 2026

    Permalinkbahratedesk.com/atlantic-city-nj/o-5/without/ExcelCSVDownloads cover this station.
    Atlantic City, NJ
    O-5 · without dependents
    $3,486/ month
    $41,832 / year
    At O-5, this is #55 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA NJ196 · ZIPs 08037 08201 08203 08205 08213 08215 +26 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,469 / mo gross
    Other dependency status here$4,296 with dependents
    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-5 · $3,486/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▼ CUT−$552−$6,624/yr · like −$8,492 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Indian Head Navordsta$3,543
    Warrenton$3,543
    Vallejo$3,513
    JB McGuire-Dix-Lakehurst$3,495
    Atlantic City$3,486
    Juneau$3,483
    Everett$3,435
    Willow Grove$3,408
    San Bernardino$3,390
    Youngstown$1,593

    Atlantic City is #55 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 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-6 here adds $120 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 Westchester County at O-5 is worth $2,676 a month — about 22 promotions worth of housing allowance, at $120 per grade here.

    02

    Dependency status is worth 23% 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. $3,486 a month of BAH takes more than $3,486 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.