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-5 with dependents at Northern New Jersey draws $5,991 per month in 2026

    Permalinkbahratedesk.com/northern-new-jersey-nj/o-5/with/ExcelCSVDownloads cover this station.
    Northern New Jersey, NJ
    O-5 · with dependents
    $5,991/ month
    $71,892 / year
    At O-5, this is #10 of 338 stations loaded · high Westchester County $8,064 · low Youngstown $1,827
    MHA NJ202 · ZIPs 07003 07004 07005 07006 07007 07009 +281 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$7,681 / mo gross
    Other dependency status here$5,070 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-5 · $5,991/mo
    Aberdeen Proving Grounds$3,630/mo · $43,560/yr
    ▼ CUT−$2,361−$28,332/yr · like −$36,323 of salary

    What this rate means

    O-5 with dependents, nearest stations0 – $8,064 / month
    Westchester County$8,064
    Maui County$6,378
    Santa Clara County$6,333
    Florida Keys$6,213
    Hanscom AFB$6,087
    Northern New Jersey$5,991
    Kauai County$5,892
    Essex CO$5,853
    Long Island$5,823
    Miami$5,763
    Youngstown$1,827

    Northern New Jersey is #10 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 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 O-6 here adds $51 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 O-5 is worth $2,073 a month — about 41 promotions worth of housing allowance, at $51 per grade here.

    02

    Dependency status is worth 18% 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. $5,991 a month of BAH takes more than $5,991 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.