3 guides in New Jersey: 1 Army, 1 joint and 1 Navy installations. At E-5 with dependents, 2026 BAH runs from $2,823 a month at Joint Base McGuire-Dix-Lakehurst and Lakehurst Naval Air Engineering Station to $4,749 at Picatinny Arsenal, across 2 housing areas, set against HUD's fair market rent for a 3-bedroom home near each.
Rates last verified August 2026 against the published source tables.
3 guides · NJ taxes military pay for NJ domiciliaries · TRICARE East (Humana) · E-5 with dependents: $2,823 to $4,749 BAH across 2 housing areas
| Installation | City | Branch | Allowance at E-5 with dependents | Against local rent |
|---|---|---|---|---|
| Joint Base McGuire-Dix-Lakehurst | Wrightstown | Joint | $2,823 BAH | Covers a 3-bedroom with $607 to spare |
| Lakehurst Naval Air Engineering Station | Lakehurst | Navy | $2,823 BAH | Falls $104 short of a 3-bedroom |
| Picatinny Arsenal | Dover | Army | $4,749 BAH | Covers a 3-bedroom with $1,964 to spare |
At E-5 with dependents, 2026 BAH goes furthest at Picatinny Arsenal, where it covers a 3-bedroom with $1,964 to spare, and least far at Lakehurst Naval Air Engineering Station, where it falls $104 short of a 3-bedroom. It covers HUD's 3-bedroom rent at 2 of the 3 installations.
| Installation | 2026 BAH | HUD 3-bedroom rent | After rent |
|---|---|---|---|
| Picatinny Arsenal | $4,749 | $2,785 | $1,964 left |
| Joint Base McGuire-Dix-Lakehurst | $2,823 | $2,216 | $607 left |
| Lakehurst Naval Air Engineering Station | $2,823 | $2,927 | $104 short |
HUD's FY2027 fair market rent is the 40th-percentile gross rent for the area, utilities included, which is what BAH is meant to cover; it is a benchmark, not a listing. Source: HUD.
New Jersey. New Jersey taxes active-duty pay for New Jersey residents. Combat-zone pay, and pay while hospitalized for a combat-zone injury, are exempt; ordinary duty pay is not.
SCRA. Under the Servicemembers Civil Relief Act your military pay is taxed by the state you are domiciled in, not by the one your duty station sits in. Being assigned to an installation in New Jersey does not by itself change which state may tax you, and it does not create a filing obligation where you are stationed.
TRICARE East. Care at all 3 installations in New Jersey falls under the TRICARE East region, administered by Humana Military — enrollment and claims run through 800-444-5445.
Maintained by PCS Calculator, an independent site run by an active-duty service member. BAH checked against DTMO's 2026 table on 19 August 2026; rents from HUD's FY2027 fair market rents, fetched 28 September 2026; state tax treatment of military pay checked 19 August 2026; TRICARE regions checked 27 August 2026. This page was last updated 4 November 2026. How every figure on this site is checked