BAH · PA248
2026 BAH Rates in PHILADELPHIA, PA/CAMDEN, NJ
All 27 paygrades, with and without dependents. This MHA changed +14.7% over the last 4 years.
E-5 with dependents · 2026
$2,691/mo
$32,292/yr
Without dep: $2,091·Δ +$600/mo
YoY change
+5.2%
vs 2025 for E-5 w/dep
| Paygrade | With dep | No dep | Annual w/dep |
|---|---|---|---|
| E-1 | $2,448 | $1,893 | $29,376 |
| E-2 | $2,448 | $1,893 | $29,376 |
| E-3 | $2,448 | $1,893 | $29,376 |
| E-4 | $2,448 | $1,893 | $29,376 |
| E-5 | $2,691 | $2,091 | $32,292 |
| E-6 | $2,979 | $2,232 | $35,748 |
| E-7 | $3,000 | $2,457 | $36,000 |
| E-8 | $3,009 | $2,754 | $36,108 |
| E-9 | $3,111 | $2,832 | $37,332 |
| W-1 | $2,997 | $2,373 | $35,964 |
| W-2 | $3,006 | $2,751 | $36,072 |
| W-3 | $3,018 | $2,844 | $36,216 |
| W-4 | $3,156 | $2,973 | $37,872 |
| W-5 | $3,366 | $2,982 | $40,392 |
| O-1E | $3,003 | $2,688 | $36,036 |
| O-2E | $3,012 | $2,814 | $36,144 |
| O-3E | $3,189 | $2,970 | $38,268 |
| O-1 | $2,733 | $2,205 | $32,796 |
| O-2 | $2,976 | $2,613 | $35,712 |
| O-3 | $3,015 | $2,871 | $36,180 |
| O-4 | $3,435 | $2,976 | $41,220 |
| O-5 | $3,759 | $2,985 | $45,108 |
| O-6 | $3,789 | $2,988 | $45,468 |
| O-7 | $3,816 | $3,018 | $45,792 |
| O-8 | $3,816 | $3,018 | $45,792 |
| O-9 | $3,816 | $3,018 | $45,792 |
| O-10 | $3,816 | $3,018 | $45,792 |
Note: E-1 to E-4 in single-type-1 barracks generally receive $0 BAH; the rates shown apply when authorized to live off-base or with dependents.
E-5 with dependents · 2023–2026
| Year | Monthly | Annual | YoY |
|---|---|---|---|
| 2023 | $2,346 | $28,152 | - |
| 2024 | $2,421 | $29,052 | +3.2% |
| 2025 | $2,559 | $30,708 | +5.7% |
| 2026 | $2,691 | $32,292 | +5.2% |
Need a specific scenario?
Open the interactive calculator to flip dependents on/off, compare two ZIPs side-by-side, or view full 4-year history charts.