Official data current

Atlantic City BAH rates

Verified · Effective 2026-01-01 · MHA NJ196

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W-5 · With dependents
$3,954per month

$47,448 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #50 of 338W-5 · with dependents reference
Taxable-pay equivalent$5,069/mo Using the stated 22% comparison rate
Year-over-year change+$159/mo · +4.2%2025 $3,795 → 2026 $3,954
W-5 rate selectedMHA NJ196 ZIPs 08037 08201 08203 08205 08213 08215 +26
PCS compare Atlantic City · W-5 · with dep. · $3,954/mo
Atlantic City $3,954/mo · $47,448/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

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Rate history

How updates work
2025$3,795
2026$3,954

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Atlantic City — full sheet Tap a row

What this rate means

W-5 with dependents, nearest stations0 – $7,338 / month
Westchester County $7,338
Providence $4,272
Worcester $4,212
New Haven $4,206
County Cost Group 890 $4,173
Warrenton $4,122
Hawaii County $4,104
Hartford $4,074
Vandenberg SFB $4,065
Indian Head Navordsta $3,969
Boulder $3,963
Atlantic City $3,954
Chicago $3,900
Santa Fe $3,870
Riverside $3,855
Brunswick $3,843
JB McGuire-Dix-Lakehurst $3,831
Juneau $3,831
County Cost Group 880 $3,807
Austin $3,771
Annapolis $3,762
Everett $3,753
Youngstown $1,806

Atlantic City is #50 of 338. The spread between the dearest and cheapest station at this grade is $5,532 a month — $66,384 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

The pay chart moves this allowance far less than the map does.

What the rate table does not 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.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…