Official data current

Cape May BAH rates

Verified · Effective 2026-01-01 · MHA NJ198

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O-5 · With dependents
$3,969per month

$47,628 per year · federal tax-free allowance

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

National position #67 of 338O-5 · with dependents reference
Taxable-pay equivalent$5,088/mo Using the stated 22% comparison rate
Year-over-year change+$270/mo · +7.3%2025 $3,699 → 2026 $3,969
O-5 rate selectedMHA NJ198 ZIPs 08202 08204 08210 08212 08214 08218 +15
PCS compare Cape May · O-5 · with dep. · $3,969/mo
Cape May $3,969/mo · $47,628/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$3,699
2026$3,969

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

Cape May — full sheet Tap a row

What this rate means

O-5 with dependents, nearest stations0 – $8,064 / month
Westchester County $8,064
Chicago $4,086
Juneau $4,074
Quantico $4,065
Stockton $4,047
Santa Fe $4,023
Fort G. G. Meade $4,014
Ketchikan $4,002
Riverside $4,002
Madison $3,993
Hampden County $3,978
Cape May $3,969
Willow Grove $3,939
Everett $3,936
Vallejo $3,927
New London $3,906
Brunswick $3,894
County Cost Group 870 $3,882
Edwards AFB $3,840
Kodiak Island $3,831
Milwaukee $3,831
Fort Detrick $3,804
Youngstown $1,827

Cape May is #67 of 338. The spread between the dearest and cheapest station at this grade is $6,237 a month — $74,844 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 Westchester County at O-5 is worth $4,095 a month — about 124 promotions at this grade. Where you are stationed outweighs rank, by a lot.

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…