paybook
2026 · NJ198 · Basic Allowance for Housing

Cape May, NJ BAH, 2026

An E-5 stationed here gets $2,754 a month with dependents and $2,172 without. BAH is tax-free and paid on top of basic pay.

GradeWith dependentsWithoutvs 2025 (with)
E-1$2,523$1,968+$204
E-2$2,523$1,968+$204
E-3$2,523$1,968+$204
E-4$2,523$1,968+$204
E-5$2,754$2,172+$225
E-6$3,072$2,313+$138
E-7$3,114$2,532+$159
E-8$3,159$2,823+$195
E-9$3,312$2,913+$243
W-1$3,093$2,451+$141
W-2$3,132$2,820+$171
W-3$3,189$2,925+$216
W-4$3,360$3,078+$243
W-5$3,570$3,123+$252
O-1E$3,117$2,751+$159
O-2E$3,177$2,892+$210
O-3E$3,390$3,066+$246
O-1$2,799$2,289+$216
O-2$3,069$2,682+$138
O-3$3,186$2,955+$216
O-4$3,639$3,108+$252
O-5$3,969$3,129+$270
O-6$4,002$3,165+$270
O-7$4,032$3,222+$270
Monthly rates effective January 1, 2026. O-8 and above get the O-7 rate. Source: DTMO BAH rate files (NJ198).

See full pay here with basic pay and BAS

01 · Total monthly pay here
RankYearsBasic payBAHBASTotal a month
E-1under 2$2,407.20$2,523$476.95$5,407.15
E-3over 2$3,015.00$2,523$476.95$6,014.95
E-4over 3$3,482.40$2,523$476.95$6,482.35
E-5over 6$4,110.00$2,754$476.95$7,340.95
E-6over 10$4,759.50$3,072$476.95$8,308.45
E-7over 14$5,835.00$3,114$476.95$9,425.95
E-8over 18$6,811.20$3,159$476.95$10,447.15
E-9over 22$8,423.10$3,312$476.95$12,212.05
W-2over 10$6,282.60$3,132$328.48$9,743.08
O-1under 2$4,150.20$2,799$328.48$7,277.68
O-2over 2$5,446.20$3,069$328.48$8,843.68
O-3over 6$7,737.00$3,186$328.48$11,251.48
O-4over 12$9,888.30$3,639$328.48$13,855.78
O-5over 18$11,713.80$3,969$328.48$16,011.28
O-6over 24$14,479.20$4,002$328.48$18,809.68
2026 rates, with dependents, at a typical point in a career. BAH and BAS are tax-free. Special pays (flight, sea, hazardous duty) aren't included. Change rank, years or dependents in the calculator.
02 · Where this rate applies

BAH follows ZIP codes, so an area can cover part of a county. All housing areas