Compare military bases / Fort Campbell → Joint Base McGuire-Dix-Lakehurst
Campbell → JBMDL
Compare Fort Campbell and Joint Base McGuire-Dix-Lakehurst
Will my BAH (Basic Allowance for Housing) go up or down if I move from Fort Campbell to Joint Base McGuire-Dix-Lakehurst?
This calculator uses 2026 DTMO (Defense Travel Management Office) rates for selected pay grade and dependent status.
Monthly BAH at E-5 pay grade without dependents.
- Fort Campbell
- $1,593
- Joint Base McGuire-Dix-Lakehurst
- $2,421
- Higher BAH at Joint Base McGuire-Dix-Lakehurst
BAH minus HUD 2-bedroom rent for the ZIP nearest each base.
- Fort Campbell
- −$17/mo
- Joint Base McGuire-Dix-Lakehurst
- +$851/mo
Housing just outside the gate: Clarksville vs Wrightstown
Rents shown on table are the 40th-percentile for 2 and 3 bedroom figures for the residential ZIP code nearest the base.
| Fort Campbell Clarksville 42223 | Joint Base McGuire-Dix-Lakehurst Wrightstown 08562 | |
|---|---|---|
| Median home value (city) | $263,600 | $256,300 |
| Median gross rent (city) | $1,307/mo | $1,270 |
| HUD ZIP 2-BR rent | $1,610/mo | $1,570 |
| HUD ZIP 3-BR rent | $2,240/mo | $1,890 |
| HUD metro 2-BR rent (wider area) | $1,346/mo | $1,810 |
| E-5 without dependents minus 2-BR | −$17/mo | +$851/mo |
| E-5 with dependents minus 3-BR | −$425/mo | +$933/mo |
E-5 without dependents vs a HUD 2-bedroom is −$17/mo at Fort Campbell vs +$851/mo at Joint Base McGuire-Dix-Lakehurst. E-5 with dependents vs a 3-bedroom is −$425/mo vs +$933/mo.
Host-state comparison: Kentucky vs. New Jersey
| Kentucky | New Jersey | |
|---|---|---|
| Sales tax | 6.00% | 6.60% |
| Property tax | 0.74% | 1.88% |
| Personal property tax | Yes — 1.44% effective | No |
| Top state income tax | 3.5% | 10.75% |
| Median home value | $235,735 | $576,610 |
| Branch | Army | Joint |
| HUD 2-BR FMR | $1,346 | $1,810 |
| Climate high/low | 70° / 48°F | 68° / 51°F |
| Annual precip | 50.1 in | 41.8 in |
| Nearby city | Clarksville | Wrightstown |
| Host state | Kentucky | New Jersey |
Click here for the full state comparison: Kentucky → New Jersey
PCS checklist for Joint Base McGuire-Dix-Lakehurst
- Update DEERS. BAH at Joint Base McGuire-Dix-Lakehurst uses MHA NJ204 (ZIP 08641).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near Joint Base McGuire-Dix-Lakehurst is $1,810/mo. On-base housing is separate.
- New New Jersey residents typically have 30 days for a license and 60 days to title a car.
- Reporting: Joint Base McGuire-Dix-Lakehurst.
Biggest differences
- E-5 with-dependents BAH is higher at Joint Base McGuire-Dix-Lakehurst ($2,823 vs $1,815).
- Median owner-occupied home value in the off-base city is $256,300 in Wrightstown vs $263,600 in Clarksville (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $1,570 in 08562 vs $1,610 in 42223.
- Fort Campbell is labeled Army; Joint Base McGuire-Dix-Lakehurst is Joint. The pair is valid because of shared tenants.
- Host-state wage tax is Top listed rate 3.5% in Kentucky vs Top listed rate 10.75% in New Jersey (military pay usually follows legal residence, not the duty station).
- Combined sales tax averages 6.6% in New Jersey vs 6% in Kentucky.
Common questions
Can I PCS from Fort Campbell to Joint Base McGuire-Dix-Lakehurst?
This pair is listed because the installations share a tenant service (Army). Your actual orders depend on your MOS/AFSC/rating and the gaining unit.
How does BAH change from Fort Campbell to Joint Base McGuire-Dix-Lakehurst?
DTMO CY2026 with- and without-dependents rates for every pay grade are in the BAH table on this page. E-5 with dependents: $1,815 vs $2,823; without dependents: $1,593 vs $2,421.
What is local rent like near Joint Base McGuire-Dix-Lakehurst?
HUD FY2026 Small Area FMR for ZIP 08562 (Wrightstown) is $1,570/mo for a 2-bedroom and $1,890/mo for a 3-bedroom. The wider metro 2-BR FMR is $1,810/mo.
What do homes cost in Clarksville vs Wrightstown?
Census ACS 5-year (2020–2024) median value of owner-occupied homes is $263,600 in Clarksville city, Kentucky vs $256,300 in Wrightstown borough, New Jersey. Median gross rent in those cities is $1,307 vs $1,270. These are city medians (owners’ reported values), not last month’s sale prices.
Will BAH cover off-base rent if I PCS from Fort Campbell to Joint Base McGuire-Dix-Lakehurst?
E-5 without dependents minus a HUD 2-bedroom is −$17/mo at Fort Campbell vs +$851/mo at Joint Base McGuire-Dix-Lakehurst. E-5 with dependents minus a 3-bedroom is −$425/mo vs +$933/mo. Use the calculator for other pay grades. Actual listings vary; BAH is untaxed housing pay, not a rent cap.
Does my state income tax change if I PCS from Fort Campbell to Joint Base McGuire-Dix-Lakehurst?
Usually not just because the duty station changes. Military pay generally follows legal residence under the Servicemembers Civil Relief Act; spouses may have similar protection. Kentucky: Top listed rate 3.5%. New Jersey: Top listed rate 10.75%. BAH is not taxed. Sales tax and titling a car follow the state you live in.
Related PCS
Joint Base McGuire-Dix-Lakehurst → Fort Campbell · Fort Campbell → Fort Bragg
Your PCS
Only destinations that share a service with the origin are listed.
Sources
Housing figures below are for the installation (MHA, HUD rent, climate). Host-state tax rates in the snapshot above BAH are statewide averages — not a tax return. County add-ons can differ, and wage tax on military pay follows legal residence, not the duty station.
- BAH (with and without dependents). DTMO CY2026 BAH tables for Fort Campbell (KY106); Joint Base McGuire-Dix-Lakehurst (NJ204). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — Christian County $1,346; Burlington County $1,810.
- Off-base ZIP rent (HUD Small Area FMR). FY2026 ZIP 2- and 3-bedroom 40th-percentile rents from the HUD Small Area FMR tables: 42223 (Clarksville) $1,610 / $2,240; 08562 (Wrightstown) $1,570 / $1,890.
- Off-base city home value and rent. U.S. Census Bureau American Community Survey 5-year 2020–2024 tables B25077 (median value of owner-occupied homes) and B25064 (median gross rent) for Clarksville city, Kentucky ($263,600, $1,307/mo) and Wrightstown borough, New Jersey ($256,300, $1,270/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Bowling Green (NWS) (USW00093808); Ronald Reagan Washington National (NWS) (USW00013743).
- Host-state wage tax. Statewide listed rates for Kentucky and New Jersey from the Tax Foundation 2026 individual income-tax tables. On this page they describe the host state, not automatically the tax on a military LES (legal residence can stay put). BAH is untaxed.
- Combined sales tax near the installation. Tax Foundation January 2026 state-and-local sales-tax averages for Kentucky and New Jersey. Used as an off-base shopping stand-in; city and county add-ons vary.
- Effective property tax if you buy off-base. Tax Foundation 2026 property taxes by state for Kentucky and New Jersey. On-base housing is not in this figure.
- Vehicle title tax and new-resident clocks. Kentucky motor-vehicle agency (license 30 days, title 15 days; title tax 6.00%); New Jersey motor-vehicle agency (license 30 days, title 60 days; title tax 6.62%). These are host-state motor-vehicle rules, not BAH.
- Vehicle personal-property tax on the host-state snapshot. WalletHub 2026 vehicle property-tax table for Kentucky and New Jersey. This is a statewide car-tax flag, not real-estate tax and not BAH.
- Statewide median home value on the host-state snapshot. Experian / Zillow March 2026 state medians for Kentucky and New Jersey. Backdrop for off-base purchase prices; on-base housing and BAH are separate.