United States · BAH 2026 · New Jersey
Northern New Jersey, NJ BAH rates 2026
In Northern New Jersey, NJ, 2026 BAH runs from $3,207 a month (E-1 without dependents) to $6,093 (O-7 and above with dependents). An E-5 with dependents gets $4,749 a month, not taxed.
Northern New Jersey, NJ · E-5 · with dependents
$4,749 a month
$56,988 a year, not taxed.
| 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 and above | $6,093 | $5,163 |
What is take-home pay with BAH in Northern New Jersey, 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 | $3,207.00 | $4,275.00 | $4,938.00 | $5,094.00 |
| 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 | $6,600.30 | $7,835.85 | $10,908.26 | $11,550.38 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Northern New Jersey, NJ?
DTMO’s 2026 list maps 287 ZIP codes to this housing area (NJ202). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 287 ZIP codes
070xx: 07003, 07004, 07005, 07006, 07007, 07009, 07010, 07011, 07012, 07013, 07014, 07015, 07016, 07017, 07018, 07019, 07020, 07021, 07022, 07023, 07024, 07026, 07027, 07028, 07029, 07030, 07031, 07032, 07033, 07034, 07035, 07036, 07039, 07040, 07041, 07042, 07043, 07044, 07045, 07046, 07047, 07050, 07051, 07052, 07054, 07055, 07057, 07058, 07060, 07061, 07062, 07065, 07066, 07068, 07070, 07071, 07072, 07073, 07074, 07075, 07076, 07078, 07079, 07081, 07082, 07083, 07086, 07087, 07088, 07090, 07091, 07092, 07093, 07094, 07096, 07097, 07099
071xx: 07101, 07102, 07103, 07104, 07105, 07106, 07107, 07108, 07109, 07110, 07111, 07112, 07114, 07175, 07184, 07188, 07189, 07191, 07192, 07193, 07195, 07198, 07199
072xx: 07201, 07202, 07203, 07204, 07205, 07206, 07207, 07208
073xx: 07302, 07303, 07304, 07305, 07306, 07307, 07308, 07310, 07311, 07395, 07399
074xx: 07401, 07403, 07405, 07407, 07410, 07416, 07417, 07418, 07419, 07420, 07421, 07422, 07423, 07424, 07428, 07430, 07432, 07435, 07436, 07438, 07439, 07440, 07442, 07444, 07446, 07450, 07451, 07452, 07456, 07457, 07458, 07460, 07461, 07462, 07463, 07465, 07470, 07474, 07480, 07481, 07495
075xx: 07501, 07502, 07503, 07504, 07505, 07506, 07507, 07508, 07509, 07510, 07511, 07512, 07513, 07514, 07522, 07524, 07533, 07538, 07543, 07544
076xx: 07601, 07602, 07603, 07604, 07605, 07606, 07607, 07608, 07620, 07621, 07624, 07626, 07627, 07628, 07630, 07631, 07632, 07640, 07641, 07642, 07643, 07644, 07645, 07646, 07647, 07648, 07649, 07650, 07652, 07653, 07656, 07657, 07660, 07661, 07662, 07663, 07666, 07670, 07675, 07676, 07677, 07699
078xx: 07801, 07802, 07803, 07806, 07821, 07822, 07826, 07827, 07828, 07834, 07836, 07837, 07839, 07842, 07843, 07845, 07847, 07848, 07849, 07850, 07851, 07852, 07853, 07855, 07856, 07857, 07860, 07866, 07869, 07870, 07871, 07874, 07875, 07876, 07877, 07878, 07879, 07881, 07885, 07890
079xx: 07901, 07902, 07922, 07926, 07927, 07928, 07930, 07932, 07933, 07935, 07936, 07940, 07945, 07946, 07950, 07960, 07961, 07962, 07963, 07970, 07974, 07976, 07980, 07981, 07999
How does Northern New Jersey, NJ BAH compare?
For an E-5 with dependents, Northern New Jersey, NJ pays $4,749 a month: number 4 of 338 housing areas, and $2,688 above the middle of all areas ($2,061). Other housing areas in New Jersey:
- Atlantic City, NJ E-5 with dependents $2,655
- Cape May, NJ E-5 with dependents $2,754
- Fort Monmouth/Earle NWS, NJ E-5 with dependents $3,549
- JB McGuire-Dix-Lakehurst, NJ E-5 with dependents $2,823
- 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 Northern New Jersey, NJ
What is E-5 BAH in Northern New Jersey, NJ for 2026?
$4,749 a month with dependents and $3,561 without ($56,988 and $42,732 a year). That ranks 4 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 Northern New Jersey, NJ?
An O-3 gets $5,094 a month with dependents and $4,938 without in 2026. A W-2 gets $5,079 and $4,812.
How much BAH does an E-1 get in Northern New Jersey, NJ?
$4,275 a month with dependents and $3,207 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Northern New Jersey, NJ BAH rates?
287 ZIP codes in DTMO’s 2026 list map to this housing area (NJ202): 07003, 07004, 07005, 07006, 07007 and 282 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Northern New Jersey, 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 $7,166.35 a month here with allowances and takes home about $6,600.30. 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 Northern New Jersey, 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.