BAH 2026Military housing area NJ198
Cape May, NJ BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Cape May, NJ military housing area, with and without dependents, and the 21 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,754a monthtied for 68th highest of 338
- E‑5 without dependents
- $2,172a month
- O‑3 with dependents
- $3,186a month82nd highest of 338
- ZIP codes
- 21in this DoD area
Cape May, NJ pays $2,754 a month for an E‑5 with dependents: the tied for 68th 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 NJ198. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,523 | $1,968 |
| E‑2 | $2,523 | $1,968 |
| E‑3 | $2,523 | $1,968 |
| E‑4 | $2,523 | $1,968 |
| E‑5 | $2,754 | $2,172 |
| E‑6 | $3,072 | $2,313 |
| E‑7 | $3,114 | $2,532 |
| E‑8 | $3,159 | $2,823 |
| E‑9 | $3,312 | $2,913 |
| Warrant officers | ||
| W‑1 | $3,093 | $2,451 |
| W‑2 | $3,132 | $2,820 |
| W‑3 | $3,189 | $2,925 |
| W‑4 | $3,360 | $3,078 |
| W‑5 | $3,570 | $3,123 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $3,117 | $2,751 |
| O‑2E | $3,177 | $2,892 |
| O‑3E | $3,390 | $3,066 |
| Officers | ||
| O‑1 | $2,799 | $2,289 |
| O‑2 | $3,069 | $2,682 |
| O‑3 | $3,186 | $2,955 |
| O‑4 | $3,639 | $3,108 |
| O‑5 | $3,969 | $3,129 |
| O‑6 | $4,002 | $3,165 |
| O‑7 | $4,032 | $3,222 |
| O‑8† | $4,032 | $3,222 |
| O‑9† | $4,032 | $3,222 |
| O‑10† | $4,032 | $3,222 |
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 21 ZIP codes in Cape May, NJ (NJ198). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 08202, one ZIP in this area.
Show all 21 ZIP codesAll 21 ZIP codes
- 082xx
- 08202 08204 08210 08212 08214 08218 08219 08223 08226 08230 08242 08243 08245 08246 08247 08248 08250 08251 08252 08260 08270
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.