BAH Calculator 2026: Basic Allowance for Housing by Location
BAH Calculator 2026: Basic Allowance for Housing by Location TL;DR: 2026 BAH rates increased an average of 4.2% nationwide, effective January 1. Use the calculator
Army Base Guide
TL;DR: If you have orders to Joint Base McGuire-Dix-Lakehurst, this guide covers on-base housing, gate hours, schools, temp lodging, neighborhoods, and in-processing for the only tri-service base in the military. Start your free PCS Plan© to get a personalized roadmap built around your rank, your branch, and your timeline.
JB MDL is unlike anywhere else you’ll be stationed — it’s the only base in the Department of Defense that fuses three installations and all six service branches into one 42,000-acre complex in south-central New Jersey. That scale is a blessing and a logistics puzzle: McGuire, Dix, and Lakehurst each run differently, and where your service member actually works changes everything about where you should live. Most families who land here smoothly started planning before the truck was loaded. Our free PCS Plan© walks you through every decision point, and the JB MDL PCS Pay It Forward® Facebook group connects you with families already on the ground.
JB MDL formed on October 1, 2009, when McGuire Air Force Base, Fort Dix, and Naval Air Engineering Station Lakehurst merged under a single commander. Today the 87th Air Base Wing runs the installation, which supports more than 44,000 service members, civilians, and family members across Burlington and Ocean Counties. The base anchors major airlift and aerial-refueling missions, including KC-46 and KC-10 operations.
Geography matters more here than at most bases. You sit 18 miles southeast of Trenton, with Philadelphia about 45 minutes west, the Jersey Shore an hour east, and New York City roughly 90 minutes north. Despite New Jersey’s reputation, this corner of the state is wooded, semi-rural, and noticeably calmer than the I-95 corridor. As a result, you get East Coast access without paying New York or D.C. housing prices.
| Quick Facts | |
|---|---|
| Host wing | 87th Air Base Wing |
| Branches present | Air Force, Army, Navy, Marines, Coast Guard, Space Force |
| Location | South-central New Jersey, 18 miles SE of Trenton |
| Counties | Burlington (McGuire/Dix) and Ocean (Lakehurst) |
| Size | 42,000+ acres (65+ square miles) |
| Nearest cities | Trenton (18 mi); Philadelphia (~45 min); NYC (~90 min) |
| Official site | jbmdl.jb.mil |
JB MDL falls under the JB McGuire-Dix-Lakehurst, NJ Military Housing Area. Because New Jersey housing costs run above the national average, BAH here lands in the higher tier for the region. Most enlisted families with dependents see allowances in the high-$2,000s to mid-$3,000s per month, while senior enlisted and officers run higher. Single junior enlisted draw less, but the without-dependents rate still covers a reasonable share of local rent.
For your exact figure, run your pay grade and dependent status through the BAH Calculator, or review how rates are set in our BAH rates guide. You can also confirm the official number on the DoD BAH page. One honest heads-up: New Jersey property taxes are among the highest in the country, so buyers should budget carefully — more on that below.
Last verified: June 2026. Confirm current figures with the BAH Calculator before signing a lease.
Want to see exactly what your BAH buys near JB MDL at current rates? Your free VA Home Loan Snapshot runs the real numbers — no credit pull, no obligation, takes 60 seconds.
Off-base inventory is limited right at the gate, so families spread into the surrounding towns. Which direction you go depends entirely on your worksite. McGuire and Dix families cluster west and south in Burlington County, while Lakehurst families head east into Ocean County. Confirm your assigned section before you tour a single house.
Best for: Junior enlisted and anyone who wants the shortest commute.
Browns Mills sits right outside the Browns Mills (Texas) Gate, roughly 10 minutes from the McGuire-Dix core. It’s the most budget-friendly community in the area, with entry-level price points that fit most BAH budgets. The town is modest and practical rather than polished, but the commute and the cost are hard to beat for a first PCS.
Best for: Families who want a walkable historic downtown.
About 15 minutes from the main gate, Mount Holly offers a historic Main Street, local restaurants, and a genuine small-town feel. Prices stay reasonable, and you’re still close enough to base for a comfortable daily drive. Notably, it’s a popular middle ground between affordability and character.
Best for: Families who value a community vibe and good schools.
Bordentown runs about 20 minutes from base and draws families with its walkable downtown, arts scene, and easy access to both the NJ Turnpike and rail into Philadelphia. Furthermore, it offers a strong sense of community that newcomers tend to settle into quickly.
Best for: Officers, senior NCOs, and families prioritizing schools and shopping.
These adjacent Burlington County suburbs sit 25 to 30 minutes out. Both deliver well-rated schools, abundant shopping, and a polished suburban feel, at a higher price point than the closer-in towns. Medford, just southeast, is quieter and more wooded but pricier still.
If your orders say Lakehurst, the map shifts east. Jackson Township, Manchester, and Toms River become the practical choices, putting you near Ocean County beaches and Six Flags Great Adventure rather than the Philadelphia suburbs.
Stuck between two communities? Start your free PCS Plan© — our local experts know this market and which towns fit your gate, your budget, and your kids’ schools.
PCSing to JB MDL in south-central New Jersey? The JB MDL PCS Pay It Forward® Map was created by military families, for military families — giving you everything you need to settle into Burlington and Ocean County life with ease. The map features three powerful layers: important base addresses (gates, housing, medical, family services), local restaurants where kids eat free near JB MDL, and military discount hot spots from Browns Mills to the Jersey Shore.
👉 Join the JB MDL PCS Pay It Forward® group to unlock the full interactive map, access relocation tools, and connect with military families who’ve been exactly where you are.
JB MDL runs two separate housing ecosystems, managed by two different companies. This is the single most important detail to understand before you choose a home, because the McGuire-Dix and Lakehurst communities are physically separated by miles.
United Communities manages family housing on the McGuire and Dix side, offering 3- and 4-bedroom homes assigned by rank and family size. Six neighborhoods make up this community, with amenities including pools, splash pads, fitness and community centers, trails, and dozens of playgrounds. Demand runs high, so apply through the Housing Early Assistance Tool (HEAT) the moment your orders drop.
| McGuire-Dix Housing | |
|---|---|
| Provider | United Communities |
| Leasing | (609) 200-0488 |
| Housing Management Office (HMO) | (609) 754-3662 · 3700 Circle Drive, McGuire AFB, NJ 08641 |
| Bedrooms | 3–4, rank and family-size based |
Balfour Beatty Communities manages family housing on the Lakehurst side, offering 2- to 5-bedroom single-family homes and townhomes. Two neighborhoods serve Lakehurst families. Since Lakehurst is a separate installation, confirm your worksite before committing to housing here.
| Lakehurst Housing | |
|---|---|
| Provider | Balfour Beatty Communities |
| Leasing | (732) 408-1651 |
| Housing Management Office (HMO) | (732) 323-2370 · Bldg 483, Walsh Drive, JB MDL, NJ 08733 |
| Bedrooms | 2–5, single-family and townhome |
Single junior enlisted (generally E-1 through E-4 with fewer than three years of service for Airmen and Sailors) live in Unaccompanied Housing. Two UH offices serve the base — McGuire-Dix at (609) 754-5498 and Lakehurst at (732) 323-1268. Utilities and laundry are included, and you’re close to the worksite.
Weighing renting versus buying? Our VA home loan guide breaks down how your $0-down benefit stacks up against on-base living, and the official Air Force Housing page covers privatized housing policy.
On-base lodging runs through the All American Inn, with locations on the McGuire/Dix side and at Lakehurst. Temporary Lodging Facility (TLF) units include a kitchenette, separate bedroom, living area with a sleeper sofa, and private bath — built for PCS families between homes. Pet-friendly units are available for a small daily fee, and your first ten days of lodging during a PCS are typically reimbursable.
Reservations are strongly recommended year-round and effectively required in summer, when PCS volume peaks. Book the moment your dates firm up.
| All American Inn | |
|---|---|
| McGuire/Dix lodging | (609) 754-4667 · 2786 Mitchell Rd, McGuire AFB, NJ 08641 |
| Toll-free | 1-888-AFLODGE (1-888-235-6343) |
| Lakehurst lodging | (732) 323-2266 · Bldg 481, Walsh Drive |
| Details | gomdl.com/all-american-inn |
Rates subject to change. Confirm current TLF rates and pet-room availability when you book.
No DoDEA schools operate on JB MDL, so military children attend local public schools. Here’s the unusual part that catches families off guard in a good way: families on McGuire-Dix get to choose their school district when they register.
Fort Dix Elementary School sits directly on base and serves Pre-K through 4th grade. Beyond that, McGuire-Dix families select one of three districts, and all siblings must attend the same one.
| District | Grades | Notes |
|---|---|---|
| North Hanover Township | Pre-K–6 | Smaller, close-knit; often paired with Northern Burlington for upper grades |
| Northern Burlington County Regional | 7–12 | Regional middle/high school |
| Pemberton Township | K–12 | Largest option; all grades in one district |
Families at Lakehurst follow a different path: Lakehurst School District for the younger grades and Manchester Township High School for 9–12. Before you commit, contact the JB MDL School Liaison Office at (609) 562-5411 — they’ll help you compare options and transfer records. The official School Liaison page has current contacts.
JB MDL operates Child Development Centers on all three sections, plus Family Child Care and School-Age Care. Waitlists fill fast, so register at MilitaryChildCare.com as soon as your orders are confirmed. Key CDC lines: McGuire (609) 754-3661, Dix (609) 562-3873, and Lakehurst (732) 323-2260.
Because this is a tri-service base, your first stop depends on your branch. Air Force members on McGuire report to the Military Personnel Flight at 2916 Falcon Lane, (609) 754-0250. Army members at Fort Dix check in with their gaining unit or sponsor. Navy members at Lakehurst report to the MILPERS office during business hours, or to Visiting Quarters in Building 481 after hours to get orders stamped.
Regardless of branch, visit your Housing Management Office before signing any lease — McGuire-Dix families report to the Circle Drive HMO, and Lakehurst families to the Walsh Drive HMO. Sponsors arrange visitor and gate access through the McGuire Welcome Center at 3021 McGuire Boulevard, (609) 754-3628.
Five gates run around the clock: the Route 68 Gate (the main Dix gate), McGuire Main Gate, Lakehurst Main Gate, Bolling (Housing) Gate, and the Browns Mills (Texas) Gate. These are your reliable entry points at any hour.
Several gates run restricted schedules that change periodically. Wrightstown, Pemberton, and Pinehurst gates open only during limited daytime windows, and Pemberton typically follows the local school calendar. Moving trucks and commercial vehicles use the McGuire/Dix Commercial Gate (Checkpoint-9) or the Lakehurst Commercial Gate on weekdays. Always confirm current hours on the official Fort Dix visitor information page before you drive, especially for a truck.
Last verified: June 2026. Gate hours change during exercises and holidays — confirm before travel.
The 87th Medical Group is the military treatment facility serving JB MDL, and it runs a broad slate of services for an installation this size. Appointments and records run through the MHS GENESIS patient portal, and the appointment/nurse advice line is (609) 754-9301.
On-base services include primary care, pediatrics, women’s health, behavioral health, dental, pharmacy, physical therapy, lab, and radiology. For specialty care beyond the clinic, the Referral Management Center coordinates with TRICARE network providers — and the greater Philadelphia and Trenton metros put excellent specialty hospitals within reach. New families should enroll with TRICARE early; details live at mcguiredixlakehurst.tricare.mil. Reach the Patient Advocate at (609) 754-9602 with any concerns.
You’ll want a car here — transit to the base itself is limited. Philadelphia International (PHL) is your closest major airport at roughly 45 to 60 minutes via I-295 and the NJ Turnpike. Newark Liberty (EWR) runs about 75 minutes north, and small Trenton-Mercer (TTN) sits about 30 minutes away. From PHL, head north on I-295 to NJ-68, which leads to the Route 68 Gate.
For getting around without a car, NJ Transit rail connects nearby Trenton to both Philadelphia and New York City. The base ITT office sells discounted tickets to regional attractions, which is worth a stop once you’re settled.
South Jersey hides a lot of fun. Six Flags Great Adventure in Jackson is about 20 minutes from Lakehurst, and Diggerland USA — a construction-themed amusement park — is a kid favorite roughly an hour out. Military families get summer access to Sea Girt, a National Guard beach about an hour east, and the wider Jersey Shore is an easy day trip. Meanwhile, Philadelphia delivers world-class history, museums, and pro sports across the Eagles, Phillies, Sixers, and Flyers.
On base, MWR through the 87th Force Support Squadron runs deep: multiple fitness centers, two golf courses, two bowling alleys, an outdoor recreation center with gear rental, batting cages, go-karts, and a movie theater. One quirk to plan around — many South Jersey towns are “dry towns” with restricted alcohol sales, so check local rules if dining out with drinks is part of your routine.
| Office | Phone |
|---|---|
| Welcome Center (visitor access) | (609) 754-3628 |
| McGuire-Dix Housing — United Communities | (609) 200-0488 |
| McGuire-Dix HMO | (609) 754-3662 |
| Lakehurst Housing — Balfour Beatty | (732) 408-1651 |
| Lakehurst HMO | (732) 323-2370 |
| Unaccompanied Housing (McGuire-Dix) | (609) 754-5498 |
| Unaccompanied Housing (Lakehurst) | (732) 323-1268 |
| All American Inn (lodging) | (609) 754-4667 |
| Lakehurst lodging | (732) 323-2266 |
| 87th Medical Group (appointments) | (609) 754-9301 |
| Patient Advocate | (609) 754-9602 |
| Commissary | (609) 754-2153 |
| School Liaison Office | (609) 562-5411 |
| Military & Family Readiness Center | (609) 754-3154 |
| Air Force in-processing (MPF) | (609) 754-0250 |
Last verified: June 2026. Confirm key numbers on the installation’s official site before relying on them.
Confirm your section before anything else. Lakehurst is not the same daily experience as McGuire or Dix — the sections sit miles apart. Verify your service member’s exact worksite before you tour homes or sign a lease.
Apply for housing the day your orders drop. On-base wait times run long across both communities. Submit your HEAT application immediately rather than waiting until you arrive.
Book lodging early for summer. The All American Inn fills during peak PCS season. Reserve as soon as your travel dates are set.
Use your school-district choice. McGuire-Dix families can compare three districts before enrolling. Call the School Liaison Office early to weigh your options.
Budget for New Jersey property taxes. If you’re buying, NJ’s property taxes rank among the nation’s highest and vary widely by town. Factor them into your monthly number from the start. Your free VA Home Loan Snapshot accounts for local taxes and insurance, not just principal and interest.
For the logistics, our DITY/PPM move guide and PCS binder checklist keep the paperwork from piling up. And for real-time local intel, the JB MDL PCS Pay It Forward® group is where families swap housing leads and neighborhood advice. Every smooth PCS starts with a plan — start your free PCS Plan© for a roadmap built around your move to JB MDL.
Yes administratively, but no in daily life. Lakehurst sits in Ocean County and is physically separated from the McGuire-Dix complex in Burlington County by several miles. Commute times and housing differ significantly, so confirm your assigned section before choosing where to live.
JB MDL falls under the JB McGuire-Dix-Lakehurst, NJ Military Housing Area, which sits in a higher BAH tier reflecting New Jersey’s above-average housing costs. Most enlisted families with dependents see allowances in the high-$2,000s to mid-$3,000s per month, with officers higher. Run your exact pay grade through the BAH Calculator for your current figure.
United Communities manages family housing on the McGuire and Dix side, offering 3- and 4-bedroom homes. Balfour Beatty Communities manages Lakehurst, offering 2- to 5-bedroom homes and townhomes. Both communities also offer Unaccompanied Housing for eligible single service members.
Apply through the Housing Early Assistance Tool (HEAT) as soon as your orders are confirmed. Wait times can be lengthy across both housing communities, so applying early is the single best thing you can do. Visit your Housing Management Office before signing any off-base lease, too.
There are no DoDEA schools on base. Families on McGuire-Dix can choose among North Hanover Township (Pre-K–6), Northern Burlington County Regional (7–12), or Pemberton Township (K–12), with all siblings in the same district. Lakehurst families attend Lakehurst School District and Manchester Township High School. Contact the School Liaison Office at (609) 562-5411 for help comparing.
Five gates operate around the clock: Route 68 (the main Dix gate), McGuire Main, Lakehurst Main, Bolling (Housing), and Browns Mills (Texas). Other gates, including Wrightstown, Pemberton, and Pinehurst, keep limited daytime hours. Always confirm current schedules on the official Fort Dix visitor page before traveling.
Your first stop depends on your branch. Air Force members report to the Military Personnel Flight on McGuire, Army members to their gaining unit at Fort Dix, and Navy members to the MILPERS office at Lakehurst. Sponsors arrange gate access through the McGuire Welcome Center at (609) 754-3628.
Yes. The All American Inn offers Temporary Lodging Facility units with kitchenettes, separate bedrooms, and pet-friendly options, on both the McGuire/Dix and Lakehurst sides. Your first ten days during a PCS are typically reimbursable. Reservations are strongly recommended year-round and effectively required in summer — call (609) 754-4667 or 1-888-AFLODGE.
The 87th Medical Group provides primary care, pediatrics, women’s health, behavioral health, dental, pharmacy, physical therapy, lab, and radiology. Appointments run through MHS GENESIS, and the nurse line is (609) 754-9301. Specialty care not offered on base is referred to TRICARE network providers in the Philadelphia and Trenton metros.
For McGuire-Dix families, Browns Mills is closest and most affordable, while Mount Holly, Bordentown, Mount Laurel, and Marlton offer more amenities and well-rated schools a bit farther out. Lakehurst families look east to Jackson, Manchester, and Toms River. Note that many South Jersey towns are dry towns, so check local alcohol rules if that matters to you.
Philadelphia is roughly 45 to 60 minutes by car, and reachable by NJ Transit rail from nearby Trenton. New York City runs about 90 minutes to 2 hours by car, or under two hours by train. The Jersey Shore is about an hour east, making JB MDL one of the most location-advantaged bases on the East Coast.
Yes. The JB MDL PCS Pay It Forward® group is an active community of families stationed at and PCSing to the base. Members share housing leads, neighborhood advice, school tips, and real-time base updates — one of the most practical resources you’ll find for your move.
BAH Calculator 2026: Basic Allowance for Housing by Location TL;DR: 2026 BAH rates increased an average of 4.2% nationwide, effective January 1. Use the calculator
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