United States · BAH 2026 · New Jersey
Cape May, NJ BAH rates 2026
In Cape May, NJ, 2026 BAH runs from $1,968 a month (E-1 without dependents) to $4,032 (O-7 and above with dependents). An E-5 with dependents gets $2,754 a month, not taxed.
Cape May, NJ · E-5 · with dependents
$2,754 a month
$33,048 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,523 | $1,968 |
| E-2 | $2,523 | $1,968 |
| E-3 | $2,523 | $1,968 |
| E-4 | $2,523 | $1,968 |
| E-5 | $2,754 | $2,172 |
| E-6 | $3,072 | $2,313 |
| E-7 | $3,114 | $2,532 |
| E-8 | $3,159 | $2,823 |
| E-9 | $3,312 | $2,913 |
| W-1 | $3,093 | $2,451 |
| W-2 | $3,132 | $2,820 |
| W-3 | $3,189 | $2,925 |
| W-4 | $3,360 | $3,078 |
| W-5 | $3,570 | $3,123 |
| O-1E | $3,117 | $2,751 |
| O-2E | $3,177 | $2,892 |
| O-3E | $3,390 | $3,066 |
| O-1 | $2,799 | $2,289 |
| O-2 | $3,069 | $2,682 |
| O-3 | $3,186 | $2,955 |
| O-4 | $3,639 | $3,108 |
| O-5 | $3,969 | $3,129 |
| O-6 | $4,002 | $3,165 |
| O-7 and above | $4,032 | $3,222 |
What is take-home pay with BAH in Cape May, NJ?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. These assume New Jersey is your state of legal residence: New Jersey taxes a resident’s basic pay in full. If your legal residence is another state, its rule applies instead.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $1,968.00 | $2,523.00 | $2,955.00 | $3,186.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | −$63.42 | −$52.19 | −$287.78 | −$167.44 |
| Take-home a month | $5,361.30 | $6,083.85 | $8,925.26 | $9,642.38 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Cape May, NJ?
DTMO’s 2026 list maps 21 ZIP codes to this housing area (NJ198). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
08202, 08204, 08210, 08212, 08214, 08218, 08219, 08223, 08226, 08230, 08242, 08243, 08245, 08246, 08247, 08248, 08250, 08251, 08252, 08260, 08270
How does Cape May, NJ BAH compare?
For an E-5 with dependents, Cape May, NJ pays $2,754 a month: number 69 of 338 housing areas, and $693 above the middle of all areas ($2,061). Other housing areas in New Jersey:
- Atlantic City, NJ E-5 with dependents $2,655
- Fort Monmouth/Earle NWS, NJ E-5 with dependents $3,549
- JB McGuire-Dix-Lakehurst, NJ E-5 with dependents $2,823
- Northern New Jersey, NJ E-5 with dependents $4,749
- Perth Amboy, NJ E-5 with dependents $3,393
- Trenton, NJ E-5 with dependents $3,465
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
- New Jersey minimum wage The New Jersey minimum wage for 2026 and 2027, with full-time pay.
- New Jersey paycheck calculator Take-home pay for a civilian job in New Jersey, after federal and state tax.
Questions about BAH in Cape May, NJ
What is E-5 BAH in Cape May, NJ for 2026?
$2,754 a month with dependents and $2,172 without ($33,048 and $26,064 a year). That ranks 69 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in Cape May, NJ?
An O-3 gets $3,186 a month with dependents and $2,955 without in 2026. A W-2 gets $3,132 and $2,820.
How much BAH does an E-1 get in Cape May, NJ?
$2,523 a month with dependents and $1,968 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Cape May, NJ BAH rates?
21 ZIP codes in DTMO’s 2026 list map to this housing area (NJ198): 08202, 08204, 08210, 08212, 08214 and 16 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Cape May, NJ taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $5,927.35 a month here with allowances and takes home about $5,361.30. These assume New Jersey is your state of legal residence: New Jersey taxes a resident’s basic pay in full. If your legal residence is another state, its rule applies instead.
When will Cape May, NJ BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.