BAH 2026Military housing area PA248
Philadelphia, PA/Camden, NJ BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Philadelphia, PA/Camden, NJ military housing area, with and without dependents, and the 261 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $2,691a monthtied for 73rd highest of 338
- E‑5 without dependents
- $2,091a month
- O‑3 with dependents
- $3,015a month103rd highest of 338
- ZIP codes
- 261in this DoD area
Philadelphia, PA/Camden, NJ pays $2,691 a month for an E‑5 with dependents: the tied for 73rd 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 PA248. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,448 | $1,893 |
| E‑2 | $2,448 | $1,893 |
| E‑3 | $2,448 | $1,893 |
| E‑4 | $2,448 | $1,893 |
| E‑5 | $2,691 | $2,091 |
| E‑6 | $2,979 | $2,232 |
| E‑7 | $3,000 | $2,457 |
| E‑8 | $3,009 | $2,754 |
| E‑9 | $3,111 | $2,832 |
| Warrant officers | ||
| W‑1 | $2,997 | $2,373 |
| W‑2 | $3,006 | $2,751 |
| W‑3 | $3,018 | $2,844 |
| W‑4 | $3,156 | $2,973 |
| W‑5 | $3,366 | $2,982 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $3,003 | $2,688 |
| O‑2E | $3,012 | $2,814 |
| O‑3E | $3,189 | $2,970 |
| Officers | ||
| O‑1 | $2,733 | $2,205 |
| O‑2 | $2,976 | $2,613 |
| O‑3 | $3,015 | $2,871 |
| O‑4 | $3,435 | $2,976 |
| O‑5 | $3,759 | $2,985 |
| O‑6 | $3,789 | $2,988 |
| O‑7 | $3,816 | $3,018 |
| O‑8† | $3,816 | $3,018 |
| O‑9† | $3,816 | $3,018 |
| O‑10† | $3,816 | $3,018 |
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 261 ZIP codes in Philadelphia, PA/Camden, NJ (PA248). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 08001, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 261 ZIP codesAll 261 ZIP codes
- 080xx
- 08001 08002 08003 08004 08007 08009 08010 08012 08014 08018 08020 08021 08023 08025 08026 08027 08028 08029 08030 08031 08032 08033 08034 08035 08038 08039 08043 08045 08049 08051 08056 08059 08061 08062 08063 08066 08067 08069 08070 08071 08072 08074 08078 08079 08080 08081 08083 08084 08085 08086 08089 08090 08091 08093 08094 08095 08096 08097 08098 08099
- 081xx
- 08101 08102 08103 08104 08105 08106 08107 08108 08109 08110
- 083xx
- 08312 08318 08322 08328 08343 08344 08347
- 190xx
- 19008 19010 19013 19014 19015 19016 19017 19018 19019 19022 19023 19026 19028 19029 19032 19033 19036 19037 19039 19043 19050 19052 19060 19061 19063 19064 19065 19070 19073 19074 19076 19078 19079 19081 19082 19083 19085 19086 19091 19092 19093 19094
- 191xx
- 19101 19102 19103 19104 19105 19106 19107 19108 19109 19110 19111 19112 19113 19114 19115 19116 19118 19119 19120 19121 19122 19123 19124 19125 19126 19127 19128 19129 19130 19131 19132 19133 19134 19135 19136 19137 19138 19139 19140 19141 19142 19143 19144 19145 19146 19147 19148 19149 19150 19151 19152 19153 19154 19155 19160 19161 19162 19170 19171 19172 19173 19175 19176 19177 19178 19179 19181 19182 19183 19184 19185 19187 19188 19190 19191 19192 19193 19194 19195 19196 19197
- 192xx
- 19244 19255
- 193xx
- 19317 19319 19331 19339 19340 19342 19373
- 197xx
- 19701 19702 19703 19706 19707 19708 19709 19710 19711 19712 19713 19714 19715 19716 19717 19718 19720 19721 19725 19726 19730 19731 19732 19733 19734 19735 19736
- 198xx
- 19801 19802 19803 19804 19805 19806 19807 19808 19809 19810 19850 19880 19884 19885 19886 19890 19891 19892 19893 19894 19895 19896 19897 19898 19899
Other areas in Pennsylvania
Areas whose DoD code starts with PA, 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.