Official data current

Manchester BAH rates

Verified · Effective 2026-01-01 · MHA NH195

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O-3 · With dependents
$4,233per month

$50,796 per year · federal tax-free allowance

Official DoD / DTMO rate · CONUS BAH, not an estimate

National position #30 of 338O-3 · with dependents reference
Taxable-pay equivalent$5,427/mo Using the stated 22% comparison rate
Year-over-year change+$237/mo · +5.9%2025 $3,996 → 2026 $4,233
O-3 rate selectedMHA NH195 ZIPs 03031 03033 03043 03045 03046 03047 +63
PCS compare Manchester · O-3 · with dep. · $4,233/mo
Manchester $4,233/mo · $50,796/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Comparison uses with-dependents rates. Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

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Rate history

How updates work
2025$3,996
2026$4,233

Verified official history. With-dependents rate shown; use the dependency switch above for its exact comparison.

Manchester — full sheet Tap a row

What this rate means

O-3 with dependents, nearest stations0 – $6,633 / month
Westchester County $6,633
Portsmouth $4,461
Miami $4,437
Honolulu County $4,428
Cape Cod-Plymouth $4,419
West Point $4,380
Oakland $4,362
Trenton $4,362
Fort Monmouth $4,332
Portland $4,260
Perth Amboy $4,239
Manchester $4,233
San Luis Obispo $4,215
Seattle $4,215
Ventura $4,212
Burlington $4,203
Marin $4,146
Newport $4,137
Fitchburg $4,059
Washington $4,020
Providence $4,008
West Palm Beach $3,975
Anniston $1,686

Manchester is #30 of 338. The spread between the dearest and cheapest station at this grade is $4,947 a month — $59,364 a year, untaxed.

Every pay grade at Manchester0 – $4,782 / month
E-1 $2,994
E-2 $2,994
E-3 $2,994
E-4 $2,994
E-5 $3,177
E-6 $3,525
E-7 $3,783
E-8 $4,065
E-9 $4,320
W-1 $3,546
W-2 $3,897
W-3 $4,245
W-4 $4,347
W-5 $4,473
O-1E $3,837
O-2E $4,194
O-3E $4,365
O-1 $3,225
O-2 $3,522
O-3 $4,233
O-4 $4,512
O-5 $4,707
O-6 $4,746
O-7 $4,782

The pay chart moves this allowance far less than the map does.

Moving from Manchester to Westchester County at O-3 is worth $2,400 a month — about 9 promotions at this grade. Where you are stationed outweighs rank, by a lot.

What the rate table does not tell you

01

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

02

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

03

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.

Source record

Where these numbers come from

Official fields remain unchanged. Years are aligned by DTMO's MHA code; no missing value is interpolated.

2026 official releaseDTMO source archive
Effective
2026-01-01
Retrieved
2026-09-05
Last verified
2026-09-07
SHA-256
5446fed831e1…
2025 official releaseDTMO source archive
Effective
2025-01-01
Retrieved
2026-09-07
Last verified
2026-09-07
SHA-256
32d18c4220e8…