BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA
    Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.
    Or type your rank
    Enlisted
    E-1E-2E-3E-4E-5E-6E-7E-8E-9
    Warrant
    W-1W-2W-3W-4W-5
    Prior enl.
    O-1EO-2EO-3E
    Officer
    O-1O-2O-3O-4O-5O-6O-7
    Dependents
    WithWithout

    O-5 without dependents at New London draws $3,204 per month in 2026

    Permalinkbahratedesk.com/new-london-ct/o-5/without/ExcelCSVDownloads cover this station.
    New London, CT
    O-5 · without dependents
    $3,204/ month
    $38,448 / year
    At O-5, this is #69 of 338 stations loaded · high Westchester County $6,162 · low Youngstown $1,593
    MHA CT049 · ZIPs 06226 06249 06254 06256 06266 06280 +35 more
    Your grade is calledARMYLTCUSMCLtColNAVYCDRUSAFLt Col
    Untaxed — matching it with taxable pay takes$4,108 / mo gross
    Other dependency status here$3,906 with dependents
    In government quarters, no dependents$50.10 / mo partial
    New London — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    E-1$2,412$1,989
    E-2$2,412$1,989
    E-3$2,412$1,989
    E-4$2,412$1,989
    E-5$2,580$2,148
    E-6$3,072$2,304
    E-7$3,159$2,418
    E-8$3,249$2,682
    E-9$3,405$2,826
    Warrant officer
    W-1$3,093$2,367
    W-2$3,195$2,679
    W-3$3,309$2,844
    W-4$3,441$3,087
    W-5$3,603$3,177
    Officer — prior enlisted
    O-1E$3,174$2,577
    O-2E$3,291$2,796
    O-3E$3,465$3,066
    Officer
    O-1$2,646$2,241
    O-2$3,069$2,529
    O-3$3,306$2,892
    O-4$3,654$3,156
    O-5$3,906$3,204
    O-6$3,939$3,288
    O-7$3,966$3,345
    PCS compareNew London · O-5 · $3,204/mo
    Aberdeen Proving Grounds$2,934/mo · $35,208/yr
    ▼ CUT−$270−$3,240/yr · like −$4,154 of salary

    What this rate means

    O-5 without dependents, nearest stations0 – $6,162 / month
    Westchester County$6,162
    Quantico$3,252
    Ann Arbor$3,240
    Madison$3,216
    Edwards AFB$3,207
    New London$3,204
    Hampden County$3,201
    Austin$3,198
    Fort Detrick$3,168
    JB Elmendorf-Richardson$3,162
    Youngstown$1,593

    New London is #69 of 338. The spread between the dearest and cheapest station at this grade is $4,569 a month — $54,828 a year, untaxed.

    Every pay grade at New London0 – $3,345 / month
    E-1$1,989
    E-2$1,989
    E-3$1,989
    E-4$1,989
    E-5$2,148
    E-6$2,304
    E-7$2,418
    E-8$2,682
    E-9$2,826
    W-1$2,367
    W-2$2,679
    W-3$2,844
    W-4$3,087
    W-5$3,177
    O-1E$2,577
    O-2E$2,796
    O-3E$3,066
    O-1$2,241
    O-2$2,529
    O-3$2,892
    O-4$3,156
    O-5$3,204
    O-6$3,288
    O-7$3,345

    Promoting to O-6 here adds $84 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from New London to Westchester County at O-5 is worth $2,958 a month — about 35 promotions worth of housing allowance, at $84 per grade here.

    02

    Dependency status is worth 22% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

    03

    None of it is taxed. $3,204 a month of BAH takes more than $3,204 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    Things the rate table doesn't 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.