Atlantic City, NJ BAH Rates 2026
Monthly Basic Allowance for Housing for the Atlantic City, NJ military housing area (NJ196, New Jersey): an E-5 gets $2,655 with dependents and $2,298 without, and an O-3 gets $3,624 with dependents. Below are the rates for all 24 pay grades, the 2025 rates and the change, and the ZIP codes DoD assigns to this area.
Want your own number? Use the BAH calculator with a ZIP code, or see BAH rates for every area.
Maintained by Archie Chang · DoD rate files checked October 25, 2026 · Methodology & sources
Atlantic City, NJ BAH rates 2026 by pay grade
Monthly BAH for each pay grade in Atlantic City, NJ, with and without dependents, next to the 2025 rate and the change. O-8 to O-10 get the same rate as O-7 in DoD's files, so the last row covers O-7 and above. O-1E to O-3E are the rates for officers with prior enlisted service.
The 2025 columns and the change compare the same MHA code in DoD's 2025 and 2026 files, that is, the same housing area. DoD can move a ZIP code from one area to another between years, so for one ZIP code use the BAH calculator, which compares the ZIP with its own 2025 area.
In New Jersey, Atlantic City, NJ ranks 7th of 7 named housing areas for E-5 with dependents ($2,655), where 1st is the highest. An O-3 with dependents receives $969 more than an E-5 here ($3,624 versus $2,655).
| Pay grade | With dependents | Without dependents | ||||
|---|---|---|---|---|---|---|
| 2026 | 2025 | Change | 2026 | 2025 | Change | |
| E-1 | $2,559 | $2,466 | +$93 (+3.8%) | $2,004 | $1,968 | +$36 (+1.8%) |
| E-2 | $2,559 | $2,466 | +$93 (+3.8%) | $2,004 | $1,968 | +$36 (+1.8%) |
| E-3 | $2,559 | $2,466 | +$93 (+3.8%) | $2,004 | $1,968 | +$36 (+1.8%) |
| E-4 | $2,559 | $2,466 | +$93 (+3.8%) | $2,004 | $1,968 | +$36 (+1.8%) |
| E-5 | $2,655 | $2,541 | +$114 (+4.5%) | $2,298 | $2,238 | +$60 (+2.7%) |
| E-6 | $3,291 | $3,153 | +$138 (+4.4%) | $2,469 | $2,391 | +$78 (+3.3%) |
| E-7 | $3,414 | $3,303 | +$111 (+3.4%) | $2,562 | $2,478 | +$84 (+3.4%) |
| E-8 | $3,543 | $3,462 | +$81 (+2.3%) | $2,784 | $2,667 | +$117 (+4.4%) |
| E-9 | $3,735 | $3,639 | +$96 (+2.6%) | $2,976 | $2,847 | +$129 (+4.5%) |
| W-1 | $3,312 | $3,177 | +$135 (+4.2%) | $2,538 | $2,454 | +$84 (+3.4%) |
| W-2 | $3,465 | $3,369 | +$96 (+2.8%) | $2,781 | $2,664 | +$117 (+4.4%) |
| W-3 | $3,627 | $3,564 | +$63 (+1.8%) | $2,997 | $2,871 | +$126 (+4.4%) |
| W-4 | $3,774 | $3,669 | +$105 (+2.9%) | $3,318 | $3,186 | +$132 (+4.1%) |
| W-5 | $3,954 | $3,795 | +$159 (+4.2%) | $3,441 | $3,339 | +$102 (+3.1%) |
| O-1E | $3,435 | $3,330 | +$105 (+3.2%) | $2,652 | $2,538 | +$114 (+4.5%) |
| O-2E | $3,603 | $3,537 | +$66 (+1.9%) | $2,934 | $2,808 | +$126 (+4.5%) |
| O-3E | $3,801 | $3,684 | +$117 (+3.2%) | $3,285 | $3,147 | +$138 (+4.4%) |
| O-1 | $2,736 | $2,619 | +$117 (+4.5%) | $2,457 | $2,388 | +$69 (+2.9%) |
| O-2 | $3,285 | $3,147 | +$138 (+4.4%) | $2,628 | $2,520 | +$108 (+4.3%) |
| O-3 | $3,624 | $3,558 | +$66 (+1.9%) | $3,060 | $2,931 | +$129 (+4.4%) |
| O-4 | $4,014 | $3,837 | +$177 (+4.6%) | $3,417 | $3,309 | +$108 (+3.3%) |
| O-5 | $4,296 | $4,029 | +$267 (+6.6%) | $3,486 | $3,399 | +$87 (+2.6%) |
| O-6 | $4,332 | $4,065 | +$267 (+6.6%) | $3,606 | $3,546 | +$60 (+1.7%) |
| O-7 and above | $4,365 | $4,098 | +$267 (+6.5%) | $3,669 | $3,612 | +$57 (+1.6%) |
ZIP codes in the Atlantic City, NJ housing area
DoD's 2026 ZIP file assigns 32 ZIP codes to NJ196. Sample ZIP codes: 08037, 08213, 08225, 08240, 08319, 08341, 08402, 08406. BAH follows the ZIP code of your permanent duty station, not your home address, with the rate set by pay grade and dependency status. Check any ZIP with the BAH calculator.
Other New Jersey housing areas
Nearby areas in the same state, with E-5 with-dependents BAH for 2026.
- Cape May, NJ $2,754
- Fort Monmouth/Earle NWS, NJ $3,549
- JB McGuire-Dix-Lakehurst, NJ $2,823
- Northern New Jersey, NJ $4,749
- Perth Amboy, NJ $3,393
- Trenton, NJ $3,465
Atlantic City, NJ BAH questions
What is the BAH rate for Atlantic City, NJ in 2026?
For an E-5 in Atlantic City, NJ, 2026 BAH is $2,655 a month with dependents and $2,298 without. An O-3 gets $3,624 with dependents and $3,060 without, and O-7 and above get $4,365 with dependents. The table above lists all 24 pay grades.
How much did BAH change in Atlantic City, NJ from 2025 to 2026?
E-5 with dependents rose $114, from $2,541 in 2025 to $2,655 in 2026. Across all 24 pay grades with dependents, the change ranges from +1.8% to +6.6%.
Which ZIP codes use the Atlantic City, NJ BAH rate?
DoD's 2026 ZIP file maps 32 ZIP codes to NJ196, for example 08037, 08213, 08225, 08240, 08319, 08341, 08402, 08406. BAH is based on the ZIP of your permanent duty station, not where you live. Enter a ZIP in the BAH calculator to check any of them.
Can my BAH go down?
Under 37 U.S.C. 403(b)(6), as long as a member keeps uninterrupted eligibility for BAH within an area of the United States, the monthly amount may not be reduced because of changes in housing costs in the area or because the member is promoted. The statute and DTMO's BAH primer cover the details, including what interrupts eligibility.
Is BAH taxable?
No. IRS Publication 3 lists BAH among the servicemembers' government pay items excluded from gross income. This page is not tax advice.
Data source. 2026 rates: BAH-ASCII-2026.zip from the DTMO BAH page (travel.dod.mil/Allowances/Basic-Allowance-for-Housing), files bahw26.txt and bahwo26.txt (with and without dependents), downloaded October 25, 2026. 2025 comparison rates: BAH-ASCII-2025.zip from the same page. File checksums (SHA-256): 2026 zip 5446fed831e125c23cc6a407dcde4cae541f108e90ac852aaadeec0aa11e515f; 2025 zip 32d18c4220e88d3721a3519dada57ef95b605538369ce07aaa90d9e32efe758a.
2026 data file · 2025 data file · DTMO BAH rate lookup · Official per-ZIP tool · 37 U.S.C. 403 · IRS Publication 3