BAH 2026Military housing area NJ196
Atlantic City, NJ BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Atlantic City, NJ military housing area, with and without dependents, and the 32 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,655a monthtied for 78th highest of 338
- E‑5 without dependents
- $2,298a month
- O‑3 with dependents
- $3,624a month54th highest of 338
- ZIP codes
- 32in this DoD area
Atlantic City, NJ pays $2,655 a month for an E‑5 with dependents: the tied for 78th highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.
Monthly BAH by grade, 2026
The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for NJ196. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,559 | $2,004 |
| E‑2 | $2,559 | $2,004 |
| E‑3 | $2,559 | $2,004 |
| E‑4 | $2,559 | $2,004 |
| E‑5 | $2,655 | $2,298 |
| E‑6 | $3,291 | $2,469 |
| E‑7 | $3,414 | $2,562 |
| E‑8 | $3,543 | $2,784 |
| E‑9 | $3,735 | $2,976 |
| Warrant officers | ||
| W‑1 | $3,312 | $2,538 |
| W‑2 | $3,465 | $2,781 |
| W‑3 | $3,627 | $2,997 |
| W‑4 | $3,774 | $3,318 |
| W‑5 | $3,954 | $3,441 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $3,435 | $2,652 |
| O‑2E | $3,603 | $2,934 |
| O‑3E | $3,801 | $3,285 |
| Officers | ||
| O‑1 | $2,736 | $2,457 |
| O‑2 | $3,285 | $2,628 |
| O‑3 | $3,624 | $3,060 |
| O‑4 | $4,014 | $3,417 |
| O‑5 | $4,296 | $3,486 |
| O‑6 | $4,332 | $3,606 |
| O‑7 | $4,365 | $3,669 |
| O‑8† | $4,365 | $3,669 |
| O‑9† | $4,365 | $3,669 |
| O‑10† | $4,365 | $3,669 |
E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.
ZIP codes in this area
DoD’s 2026 file puts these 32 ZIP codes in Atlantic City, NJ (NJ196). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 08037, one ZIP in this area.
Show all 32 ZIP codesAll 32 ZIP codes
- 080xx
- 08037
- 082xx
- 08201 08203 08205 08213 08215 08217 08220 08221 08225 08231 08232 08234 08240 08241 08244
- 083xx
- 08310 08317 08319 08326 08330 08340 08341 08342 08346 08350
- 084xx
- 08401 08402 08403 08404 08405 08406
Other areas in New Jersey
Areas whose DoD code starts with NJ, with the E‑5 with-dependents rate for 2026.
How these rates work
- BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
- Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
- ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.