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

    E-8 with dependents at Northern New Jersey draws $5,082 per month in 2026

    Permalinkbahratedesk.com/northern-new-jersey-nj/e-8/with/ExcelCSVDownloads cover this station.
    Northern New Jersey, NJ
    E-8 · with dependents
    $5,082/ month
    $60,984 / year
    At E-8, this is #7 of 338 stations loaded · high Westchester County $6,333 · low Anniston $1,638
    MHA NJ202 · ZIPs 07003 07004 07005 07006 07007 07009 +281 more
    Your grade is calledARMYMSG / 1SGUSMCMSgt / 1stSgtNAVYSCPOUSAFSMSgt
    Untaxed — matching it with taxable pay takes$6,515 / mo gross
    Other dependency status here$4,815 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Northern New Jersey — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$4,275$3,207
    E-2$4,275$3,207
    E-3$4,275$3,207
    E-4$4,275$3,207
    E-5$4,749$3,561
    E-6$5,052$3,861
    E-7$5,073$4,299
    E-8$5,082$4,815
    E-9$5,235$4,896
    Warrant officer
    W-1$5,070$4,113
    W-2$5,079$4,812
    W-3$5,097$4,908
    W-4$5,289$5,046
    W-5$5,529$5,067
    Officer — prior enlisted
    O-1E$5,076$4,746
    O-2E$5,088$4,878
    O-3E$5,325$5,043
    Officer
    O-1$4,791$3,801
    O-2$5,049$4,593
    O-3$5,094$4,938
    O-4$5,610$5,055
    O-5$5,991$5,070
    O-6$6,042$5,073
    O-7$6,093$5,163
    PCS compareNorthern New Jersey · E-8 · $5,082/mo
    Aberdeen Proving Grounds$2,991/mo · $35,892/yr
    ▼ CUT−$2,091−$25,092/yr · like −$32,169 of salary

    What this rate means

    E-8 with dependents, every station0 – $6,333 / month
    Westchester County$6,333
    San Francisco$5,529
    New York City$5,418
    Maui County$5,382
    Nantucket$5,364
    Santa Clara County$5,145
    Northern New Jersey$5,082
    Boston$5,079
    Long Island$4,992
    Martha's Vineyard$4,923
    Hanscom AFB$4,698
    Florida Keys$4,677
    Monterey$4,599
    Camp Pendleton$4,596
    Kauai County$4,566
    San Diego$4,488
    Staten Island$4,473
    Los Angeles$4,443
    Essex CO$4,344
    Cape Cod-Plymouth$4,317
    West Point$4,317
    Honolulu County$4,302
    Oakland$4,299
    Miami$4,281
    Portsmouth$4,278
    Fort Monmouth$4,272
    Trenton$4,269
    Perth Amboy$4,200
    Ventura$4,161
    San Luis Obispo$4,152
    Seattle$4,143
    Portland$4,098
    Burlington$4,092
    Manchester$4,065
    Marin$4,065
    Newport$3,972
    Washington$3,957
    Fitchburg$3,918
    Hawaii County$3,915
    West Palm Beach$3,885
    Providence$3,876
    New Haven$3,813
    County Cost Group 890$3,753
    Vandenberg SFB$3,747
    Chicago$3,732
    Worcester$3,669
    Riverside$3,663
    Hartford$3,657
    Santa Fe$3,639
    Boulder$3,621
    Indian Head Navordsta$3,597
    Warrenton$3,594
    Atlantic City$3,543
    Juneau$3,531
    JB McGuire-Dix-Lakehurst$3,525
    Vallejo$3,525
    Everett$3,489
    Brunswick$3,477
    Willow Grove$3,432
    County Cost Group 880$3,420
    San Bernardino$3,408
    Sitka$3,399
    Annapolis$3,384
    Fort G. G. Meade$3,378
    Madison$3,297
    Austin$3,294
    Ann Arbor$3,291
    Hampden County$3,288
    Quantico$3,288
    New London$3,249
    JB Elmendorf-Richardson$3,240
    Edwards AFB$3,237
    Stockton$3,219
    Ketchikan$3,213
    Fort Detrick$3,207
    County Cost Group 870$3,204
    Eglin AFB$3,189
    Denver$3,168
    Beale AFB$3,159
    Cape May$3,159
    Ballston Spa$3,144
    Astoria$3,114
    Kodiak Island$3,096
    Baltimore$3,093
    Fort Myers Beach$3,078
    Tampa$3,075
    Milwaukee$3,072
    JB Lewis-McChord$3,072
    Outer Banks$3,051
    County Cost Group 860$3,027
    Port Angeles$3,027
    Sacramento$3,021
    Whidbey Island$3,018
    Fort Pierce$3,015
    Philadelphia$3,009
    Traverse City$3,003
    Aberdeen Proving Grounds$2,991
    Orlando$2,991
    Bremerton$2,967
    Bridgeport$2,964
    Charlottesville$2,964
    Portland$2,961
    Great Lakes Navtracen$2,955
    Oxford$2,943
    County Cost Group 850$2,940
    Dover AFB$2,916
    Patrick SFB$2,916
    Fresno$2,910
    Minneapolis$2,877
    Allentown$2,874
    Abilene$2,853
    Beaufort$2,844
    County Cost Group 840$2,844
    Knoxville$2,844
    Rome$2,844
    Dallas$2,838
    Coastal Maine$2,826
    Corvallis$2,826
    Fairbanks$2,814
    Dahlgren$2,811
    Asheville$2,772
    Spokane$2,772
    County Cost Group 830$2,766
    Reno$2,766
    Nashville$2,754
    Twenty Nine Palms MCB$2,751
    Atlanta$2,739
    Fort Collins$2,739
    St. Louis$2,733
    Detroit$2,730
    Richmond$2,727
    Buffalo$2,718
    Savannah$2,718
    Helena$2,715
    Humboldt County$2,715
    Patuxent River$2,712
    Syracuse$2,709
    Rochester$2,697
    Charleston$2,694
    Eugene$2,694
    Barstow$2,673
    County Cost Group 820$2,670
    Norfolk$2,661
    Houston$2,655
    Salt Lake City$2,649
    Panama City$2,643
    Elizabeth City$2,637
    Pittsburgh$2,637
    Salem$2,634
    Yakima$2,625
    College Station$2,616
    Gainesville$2,613
    Volusia County$2,598
    Wilmington$2,595
    Cincinnati$2,583
    Coos Bay$2,583
    County Cost Group 810$2,565
    Birmingham$2,559
    Fort Stewart$2,556
    Fort Carson$2,553
    Omaha$2,547
    Dahlonega$2,544
    El Centro$2,541
    Grand Haven$2,535
    Carlisle Barracks$2,514
    New Orleans$2,508
    State College$2,508
    Columbus$2,496
    Chattanooga$2,490
    Durham$2,484
    Phoenix$2,484
    Myrtle Beach$2,481
    Battle Creek$2,478
    Charlotte$2,466
    Fargo$2,466
    Hampton$2,457
    Provo$2,457
    County Cost Group 800$2,454
    Fort Worth$2,454
    Tallahassee$2,454
    Cleveland$2,451
    Grand Rapids$2,433
    Ocala$2,424
    Eastern Panhandle$2,421
    Jackson$2,418
    Corpus Christi$2,412
    Rapid City$2,409
    Lemoore NAS$2,406
    Bangor$2,403
    Fort Campbell$2,400
    Cheyenne$2,388
    Eastern Shore$2,382
    Albuquerque$2,379
    Des Moines$2,379
    County Cost Group 790$2,376
    Raleigh$2,373
    Duluth$2,364
    Louisville$2,364
    Fort Knox$2,352
    Kings Bay$2,352
    Boise$2,346
    Memphis$2,346
    Bloomington$2,343
    Nellis AFB$2,337
    Fort Drum$2,331
    Fort Leavenworth$2,331
    Jacksonville$2,331
    Bismarck$2,328
    Morehead$2,328
    Ogden$2,325
    Waco$2,310
    Marquette$2,295
    County Cost Group 780$2,292
    Johnson City$2,292
    Mountain Home AFB$2,292
    Indianapolis$2,283
    Rock Island$2,283
    Fayetteville$2,280
    Kansas City$2,277
    Auburn$2,274
    Wichita Fls$2,271
    Pensacola$2,265
    Roanoke$2,244
    Fort Hood$2,238
    Lincoln$2,238
    County Cost Group 770$2,226
    Fort Gordon$2,226
    Fort Huachuca$2,226
    Baton Rouge$2,223
    Greensboro$2,220
    Shreveport$2,208
    Columbia$2,202
    Toledo$2,193
    Fallon NAS$2,190
    Lexington$2,190
    Fort Bliss$2,187
    Huntsville$2,187
    Fort Wayne$2,184
    Davis-Monthan AFB$2,178
    Greenville$2,172
    Mobile$2,169
    Whiteman AFB$2,166
    Malmstrom SFB$2,160
    Seymour Johnson AFB$2,160
    Scott AFB$2,157
    County Cost Group 760$2,151
    Grand Forks$2,151
    Fort Bragg$2,142
    Columbus AFB$2,136
    Fort Rucker$2,136
    Minot AFB$2,127
    San Antonio (JBSA)$2,121
    Robins AFB$2,118
    Goodfellow AFB$2,109
    County Cost Group 750$2,103
    Lexington$2,097
    Brownsville$2,094
    Champaign$2,091
    Lansing$2,091
    Sioux Falls$2,085
    Tulsa$2,067
    China Lake$2,058
    Frankfort$2,058
    Camp Lejeune$2,049
    County Cost Group 740$2,049
    White Sands MR$2,043
    Fort Benning$2,037
    Wright-Patterson AFB$2,037
    Wilkes-Barre$2,034
    Sumter$2,025
    Laughlin AFB$2,019
    Topeka$2,016
    County Cost Group 730$2,013
    Columbia$2,001
    Morgantown$2,001
    Yuma$1,998
    Peoria$1,995
    Lafayette$1,992
    Paducah$1,992
    County Cost Group 720$1,989
    Moody AFB$1,980
    County Cost Group 710$1,968
    Little Rock$1,968
    Akron$1,962
    Springfield$1,962
    Springfield$1,959
    Terre Haute$1,959
    Fort Leonard Wood$1,956
    Beaumont$1,950
    Sault Ste Marie$1,950
    County Cost Group 700$1,947
    Oklahoma City$1,944
    Lubbock$1,941
    Gulfport$1,938
    County Cost Group 690$1,932
    County Cost Group 680$1,920
    St Mary And Terrebonne$1,920
    Fort Polk$1,911
    Fort Riley$1,911
    County Cost Group 670$1,908
    Sparta$1,905
    Holloman AFB$1,899
    County Cost Group 660$1,896
    Fort Chaffee$1,893
    Lake Charles$1,893
    County Cost Group 650$1,887
    Montgomery$1,887
    Alexandria$1,884
    Huntington$1,881
    County Cost Group 640$1,878
    Wichita$1,878
    County Cost Group 630$1,869
    County Cost Group 620$1,863
    County Cost Group 610$1,854
    Meridian$1,854
    County Cost Group 600$1,845
    Charleston$1,833
    County Cost Group 590$1,833
    Erie$1,824
    County Cost Group 580$1,821
    Saginaw$1,818
    Albany$1,815
    County Cost Group 570$1,809
    Cannon AFB$1,806
    County Cost Group 560$1,800
    County Cost Group 550$1,788
    County Cost Group 540$1,782
    Hattiesburg$1,782
    County Cost Group 530$1,773
    County Cost Group 520$1,770
    Altus AFB$1,767
    County Cost Group 510$1,764
    Vance AFB$1,743
    Stevens Point$1,740
    Monroe$1,704
    Fort Sill$1,692
    Youngstown$1,662
    Anniston$1,638

    Northern New Jersey is #7 of 338. The spread between the dearest and cheapest station at this grade is $4,695 a month — $56,340 a year, untaxed.

    Every pay grade at Northern New Jersey0 – $6,093 / month
    E-1$4,275
    E-2$4,275
    E-3$4,275
    E-4$4,275
    E-5$4,749
    E-6$5,052
    E-7$5,073
    E-8$5,082
    E-9$5,235
    W-1$5,070
    W-2$5,079
    W-3$5,097
    W-4$5,289
    W-5$5,529
    O-1E$5,076
    O-2E$5,088
    O-3E$5,325
    O-1$4,791
    O-2$5,049
    O-3$5,094
    O-4$5,610
    O-5$5,991
    O-6$6,042
    O-7$6,093

    Promoting to E-9 here adds $153 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 Northern New Jersey to Westchester County at E-8 is worth $1,251 a month — about 8 promotions worth of housing allowance, at $153 per grade here.

    02

    Dependency status is worth 6% 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. $5,082 a month of BAH takes more than $5,082 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.