What is E-9 BAH at Cape May in 2026?

$3,312 per month with dependents ($39,744 per year), effective 01 JAN 2026. without dependents it is $2,913 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

E-9 BAH at Cape May 2026 — $3,312/mo with dependents

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Cape May, NJ

E-9 · with dependents

$3,312/ month

$39,744 / year

At E-9, this is #79 of 338 stations loaded · high Westchester County $6,882 · low Anniston $1,755

MHA NJ198 · ZIPs 08202 08204 08210 08212 08214 08218 +15 more

Your grade is calledARMYSGM / CSMUSMCMGySgt / SgtMajNAVYMCPOUSAFCMSgt

Untaxed — matching it with taxable pay takes$4,246 / mo gross

Other dependency status here$2,913 without dependents

In government quarters, no dependents$50.10 / mo partial

Cape May — full sheetTap a row

Grade	With 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-9 with dependents, nearest stations0 – $6,882 / month

Westchester County$6,882

County Cost Group 870$3,372

Edwards AFB$3,354

Fort Detrick$3,345

Ballston Spa$3,327

Cape May$3,312

Milwaukee$3,300

Astoria$3,291

Kodiak Island$3,282

Denver$3,267

Anniston$1,755

Cape May is #79 of 338. The spread between the dearest and cheapest station at this grade is $5,127 a month — $61,524 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

Rates flatten out at the top of each track, which is why the sheet stops at O-7.

Dependency status is worth 14% 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.

None of it is taxed. $3,312 a month of BAH takes more than $3,312 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

E-9 with dependents at Cape May draws $3,312 per month in 2026

What this rate means

Things the rate table doesn't tell you