Northern New Jersey’s 8.1% jump from 2025 is one of the sharpest increases in the country. An E-5 with dependents now receives ,749/month. If you’re coming to the NYC metro area, verify your exact ZIP because neighboring areas differ a lot. Full table below.
2026 BAH rates: Northern New Jersey, NJ
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E1 | $4,275 | $3,207 |
| E2 | $4,275 | $3,207 |
| E3 | $4,275 | $3,207 |
| E4 | $4,275 | $3,207 |
| E5 | $4,749 | $3,561 |
| E6 | $5,052 | $3,861 |
| E7 | $5,073 | $4,299 |
| E8 | $5,082 | $4,815 |
| E9 | $5,235 | $4,896 |
| W1 | $5,070 | $4,113 |
| W2 | $5,079 | $4,812 |
| W3 | $5,097 | $4,908 |
| W4 | $5,289 | $5,046 |
| W5 | $5,529 | $5,067 |
| O1E | $5,076 | $4,746 |
| O2E | $5,088 | $4,878 |
| O3E | $5,325 | $5,043 |
| O1 | $4,791 | $3,801 |
| O2 | $5,049 | $4,593 |
| O3 | $5,094 | $4,938 |
| O4 | $5,610 | $5,055 |
| O5 | $5,991 | $5,070 |
| O6 | $6,042 | $5,073 |
| O7 | $6,093 | $5,163 |
| O8 | $6,093 | $5,163 |
| O9 | $6,093 | $5,163 |
| O10 | $6,093 | $5,163 |
Notes
- O-8, O-9 and O-10 are paid at the O-7 rate, per DTMO tables.
- BAH is tax-free and rate-protected: your rate cannot drop while you stay in the same area.
- Use the BAH Calculator 2027 for an exact figure by ZIP code, or try the duty-station comparison before a PCS.