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

    O-3E with dependents at Northern New Jersey draws $5,325 per month in 2026

    Permalinkbahratedesk.com/northern-new-jersey-nj/o-3e/with/ExcelCSVDownloads cover this station.
    Northern New Jersey, NJ
    O-3E · with dependents
    $5,325/ month
    $63,900 / year
    At O-3E, this is #8 of 338 stations loaded · high Westchester County $7,023 · low Youngstown $1,788
    MHA NJ202 · ZIPs 07003 07004 07005 07006 07007 07009 +281 more
    Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt
    Untaxed — matching it with taxable pay takes$6,827 / mo gross
    Other dependency status here$5,043 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 · O-3E · $5,325/mo
    Aberdeen Proving Grounds$3,222/mo · $38,664/yr
    ▼ CUT−$2,103−$25,236/yr · like −$32,354 of salary

    What this rate means

    O-3E with dependents, nearest stations0 – $7,023 / month
    Westchester County$7,023
    Nantucket$5,832
    Maui County$5,793
    Boston$5,511
    Santa Clara County$5,496
    Northern New Jersey$5,325
    Long Island$5,262
    Florida Keys$5,232
    Martha's Vineyard$5,193
    Hanscom AFB$5,115
    Youngstown$1,788

    Northern New Jersey is #8 of 338. The spread between the dearest and cheapest station at this grade is $5,235 a month — $62,820 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

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

    01

    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. $5,325 a month of BAH takes more than $5,325 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.