2026 BAH Rates — Northern New Jersey, NJ
2026 Basic Allowance for Housing (BAH) for Northern New Jersey, NJ (Military Housing Area NJ202), 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 | $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 |
| 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 |
| O-1E | $5,076 | $4,746 |
| O-2E | $5,088 | $4,878 |
| O-3E | $5,325 | $5,043 |
| 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 |
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 Northern New Jersey, NJ?
In 2026, an E-5 with dependents stationed in Northern New Jersey, NJ receives $4,749 per month in tax-free BAH, or $3,561 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.