2026 BAH Rates — Philadelphia, Pa/Camden, NJ
2026 Basic Allowance for Housing (BAH) for Philadelphia, Pa/Camden, NJ (Military Housing Area PA248), 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 | $2,448 | $1,893 |
| E-2 | $2,448 | $1,893 |
| E-3 | $2,448 | $1,893 |
| E-4 | $2,448 | $1,893 |
| E-5 | $2,691 | $2,091 |
| E-6 | $2,979 | $2,232 |
| E-7 | $3,000 | $2,457 |
| E-8 | $3,009 | $2,754 |
| E-9 | $3,111 | $2,832 |
| W-1 | $2,997 | $2,373 |
| W-2 | $3,006 | $2,751 |
| W-3 | $3,018 | $2,844 |
| W-4 | $3,156 | $2,973 |
| W-5 | $3,366 | $2,982 |
| O-1E | $3,003 | $2,688 |
| O-2E | $3,012 | $2,814 |
| O-3E | $3,189 | $2,970 |
| O-1 | $2,733 | $2,205 |
| O-2 | $2,976 | $2,613 |
| O-3 | $3,015 | $2,871 |
| O-4 | $3,435 | $2,976 |
| O-5 | $3,759 | $2,985 |
| O-6 | $3,789 | $2,988 |
| O-7 | $3,816 | $3,018 |
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 Philadelphia, Pa/Camden, NJ?
In 2026, an E-5 with dependents stationed in Philadelphia, Pa/Camden, NJ receives $2,691 per month in tax-free BAH, or $2,091 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.