2026 BAH Rates — Atlantic City, NJ
2026 Basic Allowance for Housing (BAH) for Atlantic City, NJ (Military Housing Area NJ196), effective January 1, 2026. BAH is a tax-free monthly allowance set by your duty-station ZIP code, pay grade, and whether you have dependents.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,559 | $2,004 |
| E-2 | $2,559 | $2,004 |
| E-3 | $2,559 | $2,004 |
| E-4 | $2,559 | $2,004 |
| E-5 | $2,655 | $2,298 |
| E-6 | $3,291 | $2,469 |
| E-7 | $3,414 | $2,562 |
| E-8 | $3,543 | $2,784 |
| E-9 | $3,735 | $2,976 |
| W-1 | $3,312 | $2,538 |
| W-2 | $3,465 | $2,781 |
| W-3 | $3,627 | $2,997 |
| W-4 | $3,774 | $3,318 |
| W-5 | $3,954 | $3,441 |
| O-1E | $3,435 | $2,652 |
| O-2E | $3,603 | $2,934 |
| O-3E | $3,801 | $3,285 |
| O-1 | $2,736 | $2,457 |
| O-2 | $3,285 | $2,628 |
| O-3 | $3,624 | $3,060 |
| O-4 | $4,014 | $3,417 |
| O-5 | $4,296 | $3,486 |
| O-6 | $4,332 | $3,606 |
| O-7 | $4,365 | $3,669 |
Estimate your own pay with the BAH calculator and the full military pay calculator. See all BAH locations or the by-state overview.
Frequently asked questions
How much is BAH in Atlantic City, NJ?
In 2026, an E-5 with dependents stationed in Atlantic City, NJ receives $2,655 per month in tax-free BAH, or $2,298 without dependents. Rates vary by pay grade — see the full table above.
Is BAH taxable?
No. BAH is a tax-free housing allowance, which makes it worth more than the same amount of taxable base pay.