Northern New Jersey, NJ BAH Rates (2025)
Basic Allowance for Housing (BAH) for Northern New Jersey, NJ in 2025 ranges from $3,027 to $5,793 per month, depending on your pay grade and whether you have dependents. BAH is tax-free.
The table below shows the full 2025 monthly BAH rates for Northern New Jersey, NJ (Military Housing Area NJ202) for every pay grade, both with and without dependents.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $4,035 | $3,027 |
| E-2 | $4,035 | $3,027 |
| E-3 | $4,035 | $3,027 |
| E-4 | $4,035 | $3,027 |
| E-5 | $4,392 | $3,414 |
| E-6 | $4,638 | $3,720 |
| E-7 | $4,659 | $4,050 |
| E-8 | $4,677 | $4,446 |
| E-9 | $4,851 | $4,509 |
| W-1 | $4,656 | $3,915 |
| W-2 | $4,665 | $4,443 |
| W-3 | $4,698 | $4,521 |
| W-4 | $4,914 | $4,635 |
| W-5 | $5,181 | $4,662 |
| O-1E | $4,662 | $4,389 |
| O-2E | $4,689 | $4,494 |
| O-3E | $4,953 | $4,629 |
| O-1 | $4,428 | $3,675 |
| O-2 | $4,635 | $4,275 |
| O-3 | $4,695 | $4,545 |
| O-4 | $5,274 | $4,650 |
| O-5 | $5,691 | $4,665 |
| O-6 | $5,745 | $4,674 |
| O-7 | $5,793 | $4,761 |
For example, an E-5 in Northern New Jersey, NJ receives $4,392/month with dependents or $3,414/month without. An O-3 receives $4,695 / $4,545.
See your full take-home pay for Northern New Jersey, NJ — pre-loaded with this location, plus basic pay, BAS, and taxes.
Calculate my Northern New Jersey pay →How BAH works in Northern New Jersey, NJ
BAH is set by the cost of rental housing in the Northern New Jersey, NJ Military Housing Area, your pay grade, and your dependent status. It is paid monthly and is not taxed. Higher ranks and members with dependents receive more. Because it reflects local rents, Northern New Jersey, NJ's rates differ from other locations — compare yours in the calculator.
These are the official 2025 rates (the latest complete public dataset). 2026 BAH rose about 4.2% on average nationwide; for an exact current figure, enter your ZIP in the military pay calculator or check the DoD BAH lookup. Learn more in our 2026 BAH guide.
Other BAH rates in New Jersey
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Frequently asked questions
How much is BAH in Northern New Jersey, NJ for an E-5?
In 2025, BAH for an E-5 in Northern New Jersey, NJ is $4,392/month with dependents and $3,414/month without dependents.
How much is BAH for an E-7 in Northern New Jersey, NJ?
An E-7 in Northern New Jersey, NJ receives $4,659/month with dependents ($4,050 without) in 2025.
Is BAH in Northern New Jersey, NJ taxable?
No. BAH is not subject to federal income tax, so you keep the full amount.