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

Press Enter to look it up.

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 $2,754 Without $2,172

E-5 at Cape May draws $2,754 per month with dependents in 2026, $2,172 without

Permalink bahratedesk.com/cape-may-nj/ Excel CSV
Cape May, NJ
E-5 · with dependents
$2,754/ month
$33,048 / year
At E-5, this is #68 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA NJ198 · ZIPs 08202 08204 08210 08212 08214 08218 +15 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $3,531 / mo gross
Without dependents here $2,172 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Cape May · E-5 · $2,754/mo
Cape May $2,754/mo · $33,048/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.

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

Cape May — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $2,523 $1,968
E-2 $2,523 $1,968
E-3 $2,523 $1,968
E-4 $2,523 $1,968
E-5 $2,754 $2,172
E-6 $3,072 $2,313
E-7 $3,114 $2,532
E-8 $3,159 $2,823
E-9 $3,312 $2,913
Warrant officer
W-1 $3,093 $2,451
W-2 $3,132 $2,820
W-3 $3,189 $2,925
W-4 $3,360 $3,078
W-5 $3,570 $3,123
Officer — prior enlisted
O-1E $3,117 $2,751
O-2E $3,177 $2,892
O-3E $3,390 $3,066
Officer
O-1 $2,799 $2,289
O-2 $3,069 $2,682
O-3 $3,186 $2,955
O-4 $3,639 $3,108
O-5 $3,969 $3,129
O-6 $4,002 $3,165
O-7 $4,032 $3,222

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Fort G. G. Meade $2,901
Hartford $2,901
JB Elmendorf-Richardson $2,874
Ketchikan $2,868
Kodiak Island $2,865
County Cost Group 880 $2,850
Newport $2,847
Denver $2,841
JB McGuire-Dix-Lakehurst $2,823
Boulder $2,754
Cape May $2,754
Everett $2,748
Tampa $2,709
Fort Myers Beach $2,694
Fort Pierce $2,691
Philadelphia $2,691
Fort Detrick $2,682
Edwards AFB $2,658
Orlando $2,658
Atlantic City $2,655
Madison $2,655
Anniston $1,185

Cape May is #68 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Cape May0 – $4,032 / month
E-1 $2,523
E-2 $2,523
E-3 $2,523
E-4 $2,523
E-5 $2,754
E-6 $3,072
E-7 $3,114
E-8 $3,159
E-9 $3,312
W-1 $3,093
W-2 $3,132
W-3 $3,189
W-4 $3,360
W-5 $3,570
O-1E $3,117
O-2E $3,177
O-3E $3,390
O-1 $2,799
O-2 $3,069
O-3 $3,186
O-4 $3,639
O-5 $3,969
O-6 $4,002
O-7 $4,032

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

Moving from Cape May to San Francisco at E-5 is worth $2,373 a month — about 7 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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.

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