The E-5 rate here is $636 above the typical US housing area ($2,118), and ranks 234 of 299 from lowest to highest. Housing area code NJ198, covering 21 ZIP codes.
Enlisted
Warrant officers
Officers
Officers with prior enlisted service
Total pay for an E-5 here
An E-5 with over 6 years of service and dependents stationed in this housing area receives $4,110.00 in basic pay, $2,754 in BAH and $476.95 in BAS, for $7,340.95 a month. The BAH and BAS part, $3,230.95, is not taxed. Work out your own total or your take-home pay.
ZIP codes in this housing area
Includes 08202, 08204, 08210, 08212, 08214, 08218, 08219, 08223, 08226, 08230, 08242, 08243 and 9 more. BAH is based on the ZIP code of your duty station, not where you choose to live. Look up a ZIP code.
Common questions
What is BAH for an E-5 at Cape May? $2,754 a month with dependents and $2,172 without, in 2026. That is $33,048 a year, tax-free.
How much is BAH for an E-4 at Cape May? $2,523 a month with dependents and $1,968 without.
How much is BAH for an O-3 at Cape May? $3,186 a month with dependents and $2,955 without.
What is the GI Bill housing allowance near Cape May? For a full-time student attending classes in person at a school in this housing area, the Post-9/11 GI Bill pays the E-5 with-dependents rate: $2,754 a month in 2026.
When do 2027 BAH rates come out? Usually in mid-December. They take effect January 1, and rate protection keeps your current amount if the new rate is lower.
