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

    W-1 without dependents at Atlantic City draws $2,538 per month in 2026

    Permalinkbahratedesk.com/atlantic-city-nj/w-1/without/ExcelCSVDownloads cover this station.
    Atlantic City, NJ
    W-1 · without dependents
    $2,538/ month
    $30,456 / year
    At W-1, this is #61 of 338 stations loaded · high New York City $5,085 · low Youngstown $1,128
    MHA NJ196 · ZIPs 08037 08201 08203 08205 08213 08215 +26 more
    Your grade is calledARMYWO1USMCWONAVYWO1
    Untaxed — matching it with taxable pay takes$3,254 / mo gross
    Other dependency status here$3,312 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 · W-1 · $2,538/mo
    Aberdeen Proving Grounds$2,205/mo · $26,460/yr
    ▼ CUT−$333−$3,996/yr · like −$5,123 of salary

    What this rate means

    W-1 without dependents, nearest stations0 – $5,085 / month
    New York City$5,085
    Newport$2,637
    County Cost Group 880$2,610
    Santa Fe$2,577
    Hartford$2,574
    Atlantic City$2,538
    Juneau$2,532
    Boulder$2,523
    Everett$2,517
    Fort Myers Beach$2,514
    Youngstown$1,128

    Atlantic City is #61 of 338. The spread between the dearest and cheapest station at this grade is $3,957 a month — $47,484 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 W-2 here adds $243 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 New York City at W-1 is worth $2,547 a month — about 10 promotions worth of housing allowance, at $243 per grade here.

    02

    Dependency status is worth 30% 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. $2,538 a month of BAH takes more than $2,538 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.