BAH 2026Military housing area NJ202
Northern New Jersey, NJ BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Northern New Jersey, NJ military housing area, with and without dependents, and the 287 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $4,749a month4th highest of 338
- E‑5 without dependents
- $3,561a month
- O‑3 with dependents
- $5,094a month8th highest of 338
- ZIP codes
- 287in this DoD area
Northern New Jersey, NJ pays $4,749 a month for an E‑5 with dependents: the 4th 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 NJ202. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $4,275 | $3,207 |
| E‑2 | $4,275 | $3,207 |
| E‑3 | $4,275 | $3,207 |
| E‑4 | $4,275 | $3,207 |
| E‑5 | $4,749 | $3,561 |
| E‑6 | $5,052 | $3,861 |
| E‑7 | $5,073 | $4,299 |
| E‑8 | $5,082 | $4,815 |
| E‑9 | $5,235 | $4,896 |
| Warrant officers | ||
| W‑1 | $5,070 | $4,113 |
| W‑2 | $5,079 | $4,812 |
| W‑3 | $5,097 | $4,908 |
| W‑4 | $5,289 | $5,046 |
| W‑5 | $5,529 | $5,067 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $5,076 | $4,746 |
| O‑2E | $5,088 | $4,878 |
| O‑3E | $5,325 | $5,043 |
| Officers | ||
| O‑1 | $4,791 | $3,801 |
| O‑2 | $5,049 | $4,593 |
| O‑3 | $5,094 | $4,938 |
| O‑4 | $5,610 | $5,055 |
| O‑5 | $5,991 | $5,070 |
| O‑6 | $6,042 | $5,073 |
| O‑7 | $6,093 | $5,163 |
| O‑8† | $6,093 | $5,163 |
| O‑9† | $6,093 | $5,163 |
| O‑10† | $6,093 | $5,163 |
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 287 ZIP codes in Northern New Jersey, NJ (NJ202). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 07003, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 287 ZIP codesAll 287 ZIP codes
- 070xx
- 07003 07004 07005 07006 07007 07009 07010 07011 07012 07013 07014 07015 07016 07017 07018 07019 07020 07021 07022 07023 07024 07026 07027 07028 07029 07030 07031 07032 07033 07034 07035 07036 07039 07040 07041 07042 07043 07044 07045 07046 07047 07050 07051 07052 07054 07055 07057 07058 07060 07061 07062 07065 07066 07068 07070 07071 07072 07073 07074 07075 07076 07078 07079 07081 07082 07083 07086 07087 07088 07090 07091 07092 07093 07094 07096 07097 07099
- 071xx
- 07101 07102 07103 07104 07105 07106 07107 07108 07109 07110 07111 07112 07114 07175 07184 07188 07189 07191 07192 07193 07195 07198 07199
- 072xx
- 07201 07202 07203 07204 07205 07206 07207 07208
- 073xx
- 07302 07303 07304 07305 07306 07307 07308 07310 07311 07395 07399
- 074xx
- 07401 07403 07405 07407 07410 07416 07417 07418 07419 07420 07421 07422 07423 07424 07428 07430 07432 07435 07436 07438 07439 07440 07442 07444 07446 07450 07451 07452 07456 07457 07458 07460 07461 07462 07463 07465 07470 07474 07480 07481 07495
- 075xx
- 07501 07502 07503 07504 07505 07506 07507 07508 07509 07510 07511 07512 07513 07514 07522 07524 07533 07538 07543 07544
- 076xx
- 07601 07602 07603 07604 07605 07606 07607 07608 07620 07621 07624 07626 07627 07628 07630 07631 07632 07640 07641 07642 07643 07644 07645 07646 07647 07648 07649 07650 07652 07653 07656 07657 07660 07661 07662 07663 07666 07670 07675 07676 07677 07699
- 078xx
- 07801 07802 07803 07806 07821 07822 07826 07827 07828 07834 07836 07837 07839 07842 07843 07845 07847 07848 07849 07850 07851 07852 07853 07855 07856 07857 07860 07866 07869 07870 07871 07874 07875 07876 07877 07878 07879 07881 07885 07890
- 079xx
- 07901 07902 07922 07926 07927 07928 07930 07932 07933 07935 07936 07940 07945 07946 07950 07960 07961 07962 07963 07970 07974 07976 07980 07981 07999
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.