United States · BAH 2026 · Pennsylvania
Philadelphia, Pa/Camden, NJ BAH rates 2026
In Philadelphia, Pa/Camden, NJ, 2026 BAH runs from $1,893 a month (E-1 without dependents) to $3,816 (O-7 and above with dependents). An E-5 with dependents gets $2,691 a month, not taxed.
Philadelphia, Pa/Camden, NJ · E-5 · with dependents
$2,691 a month
$32,292 a year, not taxed.
| 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 and above | $3,816 | $3,018 |
What is take-home pay with BAH in Philadelphia, Pa/Camden, 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 Pennsylvania is your state of legal residence. Pennsylvania taxes a resident’s military pay while stationed in the state, so state tax comes off basic pay here.
| 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 | $1,893.00 | $2,448.00 | $2,871.00 | $3,015.00 |
| 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 | −$106.91 | −$106.91 | −$226.65 | −$226.65 |
| Take-home a month | $5,242.82 | $5,954.13 | $8,902.39 | $9,412.16 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Philadelphia, Pa/Camden, NJ?
DTMO’s 2026 list maps 261 ZIP codes to this housing area (PA248). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 261 ZIP codes
080xx: 08001, 08002, 08003, 08004, 08007, 08009, 08010, 08012, 08014, 08018, 08020, 08021, 08023, 08025, 08026, 08027, 08028, 08029, 08030, 08031, 08032, 08033, 08034, 08035, 08038, 08039, 08043, 08045, 08049, 08051, 08056, 08059, 08061, 08062, 08063, 08066, 08067, 08069, 08070, 08071, 08072, 08074, 08078, 08079, 08080, 08081, 08083, 08084, 08085, 08086, 08089, 08090, 08091, 08093, 08094, 08095, 08096, 08097, 08098, 08099
081xx: 08101, 08102, 08103, 08104, 08105, 08106, 08107, 08108, 08109, 08110
083xx: 08312, 08318, 08322, 08328, 08343, 08344, 08347
190xx: 19008, 19010, 19013, 19014, 19015, 19016, 19017, 19018, 19019, 19022, 19023, 19026, 19028, 19029, 19032, 19033, 19036, 19037, 19039, 19043, 19050, 19052, 19060, 19061, 19063, 19064, 19065, 19070, 19073, 19074, 19076, 19078, 19079, 19081, 19082, 19083, 19085, 19086, 19091, 19092, 19093, 19094
191xx: 19101, 19102, 19103, 19104, 19105, 19106, 19107, 19108, 19109, 19110, 19111, 19112, 19113, 19114, 19115, 19116, 19118, 19119, 19120, 19121, 19122, 19123, 19124, 19125, 19126, 19127, 19128, 19129, 19130, 19131, 19132, 19133, 19134, 19135, 19136, 19137, 19138, 19139, 19140, 19141, 19142, 19143, 19144, 19145, 19146, 19147, 19148, 19149, 19150, 19151, 19152, 19153, 19154, 19155, 19160, 19161, 19162, 19170, 19171, 19172, 19173, 19175, 19176, 19177, 19178, 19179, 19181, 19182, 19183, 19184, 19185, 19187, 19188, 19190, 19191, 19192, 19193, 19194, 19195, 19196, 19197
192xx: 19244, 19255
193xx: 19317, 19319, 19331, 19339, 19340, 19342, 19373
197xx: 19701, 19702, 19703, 19706, 19707, 19708, 19709, 19710, 19711, 19712, 19713, 19714, 19715, 19716, 19717, 19718, 19720, 19721, 19725, 19726, 19730, 19731, 19732, 19733, 19734, 19735, 19736
198xx: 19801, 19802, 19803, 19804, 19805, 19806, 19807, 19808, 19809, 19810, 19850, 19880, 19884, 19885, 19886, 19890, 19891, 19892, 19893, 19894, 19895, 19896, 19897, 19898, 19899
How does Philadelphia, Pa/Camden, NJ BAH compare?
For an E-5 with dependents, Philadelphia, Pa/Camden, NJ pays $2,691 a month: number 74 of 338 housing areas, and $630 above the middle of all areas ($2,061). Other housing areas in Pennsylvania:
- Allentown/Bethlehem, PA E-5 with dependents $2,373
- Carlisle Barracks, PA E-5 with dependents $2,076
- Erie, PA E-5 with dependents $1,464
- Pittsburgh, PA E-5 with dependents $2,283
- State College, PA E-5 with dependents $1,791
- Wilkes-Barre/Scranton, PA E-5 with dependents $1,740
- Willow Grove, PA E-5 with dependents $2,934
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.
- Pennsylvania minimum wage The Pennsylvania minimum wage for 2026 and 2027, with full-time pay.
- Pennsylvania paycheck calculator Take-home pay for a civilian job in Pennsylvania, after federal and state tax.
Questions about BAH in Philadelphia, Pa/Camden, NJ
What is E-5 BAH in Philadelphia, Pa/Camden, NJ for 2026?
$2,691 a month with dependents and $2,091 without ($32,292 and $25,092 a year). That ranks 74 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 Philadelphia, Pa/Camden, NJ?
An O-3 gets $3,015 a month with dependents and $2,871 without in 2026. A W-2 gets $3,006 and $2,751.
How much BAH does an E-1 get in Philadelphia, Pa/Camden, NJ?
$2,448 a month with dependents and $1,893 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Philadelphia, Pa/Camden, NJ BAH rates?
261 ZIP codes in DTMO’s 2026 list map to this housing area (PA248): 08001, 08002, 08003, 08004, 08007 and 256 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Philadelphia, Pa/Camden, 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 $5,852.35 a month here with allowances and takes home about $5,242.82. These assume Pennsylvania is your state of legal residence. Pennsylvania taxes a resident’s military pay while stationed in the state, so state tax comes off basic pay here.
When will Philadelphia, Pa/Camden, 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.