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Joint Base McGuire-Dix-Lakehurst

Cost of Living

JB MDL is situated in a high-cost housing market in South-Central New Jersey. While overall utility and standard goods costs align with national averages, housing expenses and car insurance premium rates are notably high. Planning ahead for move-in deposits and utilizing your Basic Allowance for Housing, or BAH, effectively is critical.

Off-Base Housing & Lease Deposits

When securing a rental property off base in the local community, budget for significant upfront costs:

Apartments, Townhomes & Condos

  • Availability: Moderately easy to find
  • Deposit Requirements: 1.5 month's rent (security deposit) + 1st month's rent upfront
  • BAH Alignment: Typically fits well within standard BAH allocations

Single-Family Homes

  • Availability: Highly limited
  • Deposit Requirements: 1.5 month's rent (security deposit) + 1st month's rent upfront
  • BAH Alignment: Very difficult to find at reasonable rates that fall within BAH

Cost of Living & BAH Rates

  • Basic Allowance for Housing: Due to New Jersey’s higher housing costs, JB MDL falls into a higher-tier BAH bracket.
    • For example, 2026 BAH rates range from $2,715 (E-1 with dependents) to $4,155 (O-6 with dependents).
  • Local Taxes & Insurance: Be prepared for high car insurance premiums and some of the highest property taxes in the country if you plan to buy. Additionally, active-duty military pay is subject to New Jersey state income tax (though combat zone pay is exempt).
  • Daily Expenses: Aside from housing, local grocery and retail costs are average. Local options like the Columbus Market (15 minutes from the McGuire side) offer affordable, high-quality local produce during the growing season.

Common Pitfalls to Avoid

  • Out-of-Pocket Lease Setups: Do not forget that New Jersey law permits landlords to charge up to 1.5 times the monthly rent for a security deposit. Combined with the first month's rent, you will need 2.5 times the monthly rent in cash just to sign a lease.
  • Commutes and Traffic: If renting near the Lakehurst side, keep in mind that local commutes (e.g., from Toms River or Jackson) can experience major delays during summer months due to heavy Jersey Shore beach traffic

At Joint Base McGuire-Dix-Lakehurst, on-base family housing is fully privatized and split between two different property management companies depending on where you are assigned to work. Because the base covers a massive geographical area, confirming your exact duty location (McGuire/Dix vs. Lakehurst) is critical before applying.

On-Base Housing Options

Here is a comprehensive breakdown of your on-base housing options:

McGuire-Dix Side (Managed by United Communities)

United Communities, or UC, manages the family housing communities on the McGuire and Dix portions of the joint base.

  • Neighborhoods:
    • Falcon Courts East
    • Falcon Courts North
    • Starlifter
  • Location: McGuire Side
  • Home Features:
    • 2 to 4 bedrooms
    • Garages or carports
    • Fenced-in backyards
    • Fully equipped kitchens
  • Community Amenities:
    • Two community pools and splash pads
    • 46 playgrounds and sports fields
    • Community fitness centers
    • Dog parks
    • Dedicated walking/biking trails
  • Neighborhoods:
    • Garden Terrace
    • Laurel Hills
    • Holly Crest
    • Grove Park
  • Location: Dix Side
  • Home Features: Same UC home layouts and modern floor plans
  • Community Amenities: Access to all shared UC amenities

Contact Information: United Communities Leasing Office — 609-200-0488

Lakehurst Side (Managed by Balfour Beatty Communities)

Balfour Beatty Communities, or BBC, manages the family housing on the Lakehurst portion of the base, primarily serving Navy and Air Force personnel assigned to the Lakehurst area.

  • Neighborhood: Pinehurst Estates (also known as South Village)
  • Home Configurations:
    • 2 to 5 bedrooms
    • Townhome and single-family styles
    • Patio and central AC
    • Attached carports or garages
  • Community Amenities:
    • Resident swimming pool
    • Dedicated playgrounds and picnic areas
    • Enclosed dog park
    • Highly walkable, pet-friendly layout

Contact Information: Balfour Beatty Communities Leasing — 732-408-1651

Key Benefits of On-Base Privatized Housing

Choosing to live on base comes with several financial and convenience perks that bypass the high-cost, off-base renting challenges:

  • No upfront deposits: You do not have to pay a security deposit (no 1.5-month deposit required).
  • No credit check or application fees.
  • Utilities included: Normal utility usage is fully covered by your BAH allotment.
  • 24/7 maintenance: Free emergency and routine property maintenance.
  • Rent via allotment: Rent is automatically paid monthly via your active-duty BAH allotment.

Unaccompanied Personnel Housing (Dormitories)

Single permanent-party service members in junior ranks (typically E-1 through E-3, and E-4 with less than 3 years of service) are housed in the base dormitories.

  • McGuire-Dix Dorms: Typically configured in a shared-bath setup or private room with a shared bath and kitchenette. 
    • Contact: 609-754-5498
  • Lakehurst Dorms: Feature private rooms with a private bathroom.
    • Contact: 732-323-1268