Training Center Cape May
Cape May, New Jersey · Coast Guard
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Showing E-5 with dependents for the Cape May, NJ MHA.
Quick Facts
Location
Cape May, NJ
Branch
Coast Guard
MHA
Cape May, NJ
E-5 w/dep
$2,754/mo
State Tax
5.5% (New Jersey)
How This Market Compares
Cape May is a popular vacation destination with a seasonal rental market. The off-season market is more affordable. Rio Grande, Middle Township, and Wildwood provide lower-cost alternatives for permanent-party personnel.
E-5 w/dep BAH here
$2,754/mo
Natl median E-5 w/dep
$2,061/mo
vs. natl avg
+$693/mo
2026 BAH Rates — Cape May, NJ
Monthly rates for all pay grades. Source: DTMO 2026 BAH data. BAH is not taxable income.
E-4 w/dep: $2,523/mo·E-5 w/dep: $2,754/mo·E-6 w/dep: $3,072/mo
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| Enlisted | ||
| E-1 (PVT/SR/Amn/Pvt) | $2,523 | $1,968 |
| E-2 (PV2/FA/A1C/PFC) | $2,523 | $1,968 |
| E-3 (PFC/SA/SrA/LCpl) | $2,523 | $1,968 |
| E-4 (SPC/Cpl/SN/Cpl) | $2,523 | $1,968 |
| E-5 (SGT/PO2/SSgt) | $2,754 | $2,172 |
| E-6 (SSG/PO1/TSgt) | $3,072 | $2,313 |
| E-7 (SFC/CPO/MSgt) | $3,114 | $2,532 |
| E-8 (MSG/1SG/SCPO) | $3,159 | $2,823 |
| E-9 (SGM/CSM/MCPO) | $3,312 | $2,913 |
| Warrant Officer | ||
| W-1 (WO1) | $3,093 | $2,451 |
| W-2 (CW2) | $3,132 | $2,820 |
| W-3 (CW3) | $3,189 | $2,925 |
| W-4 (CW4) | $3,360 | $3,078 |
| W-5 (CW5) | $3,570 | $3,123 |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $3,117 | $2,751 |
| O-2E (1LT — prior enlisted) | $3,177 | $2,892 |
| O-3E (CPT — prior enlisted) | $3,390 | $3,066 |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $2,799 | $2,289 |
| O-2 (1LT/LTJG/1stLt) | $3,069 | $2,682 |
| O-3 (CPT/LT/Capt) | $3,186 | $2,955 |
| O-4 (MAJ/LCDR/Maj) | $3,639 | $3,108 |
| O-5 (LTC/CDR/LtCol) | $3,969 | $3,129 |
| O-6 (COL/CAPT/Col) | $4,002 | $3,165 |
| O-7 (BG/RDML/BGen) | $4,032 | $3,222 |
O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026.
Key Insights for Training Center Cape May
An E-5 with dependents receives $2,754/month — that's $33,048/year in tax-free housing money to cover costs in the Cape May, NJ market.
New Jersey taxes military base pay at approximately 5.5%. BAH and BAS remain tax-free at the federal and state level.
BAH is designed to cover median rental costs — not average or premium rents. Members living in above-median housing pay the difference out of pocket; those in below-median housing keep the surplus.
What to do next
BAH is the starting point. Here are the calculations that matter most for your PCS decision.
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Data Source & Disclaimer
BAH rates are from the Defense Travel Management Office (DTMO) 2026 BAH data, effective January 1, 2026. Rates are set by Military Housing Area (MHA), not individual ZIP code — all ZIPs in the same MHA receive identical rates. This page is for informational purposes only and is not affiliated with DoD, DTMO, or any government agency. Verify your entitlement at travel.dod.mil.