United States · BAH 2026 · New Hampshire
Manchester/Concord, NH BAH rates 2026
In Manchester/Concord, NH, 2026 BAH runs from $2,250 a month (E-1 without dependents) to $4,782 (O-7 and above with dependents). An E-5 with dependents gets $3,177 a month, not taxed.
Manchester/Concord, NH · E-5 · with dependents
$3,177 a month
$38,124 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,994 | $2,250 |
| E-2 | $2,994 | $2,250 |
| E-3 | $2,994 | $2,250 |
| E-4 | $2,994 | $2,250 |
| E-5 | $3,177 | $2,613 |
| E-6 | $3,525 | $2,823 |
| E-7 | $3,783 | $2,997 |
| E-8 | $4,065 | $3,252 |
| E-9 | $4,320 | $3,348 |
| W-1 | $3,546 | $2,940 |
| W-2 | $3,897 | $3,249 |
| W-3 | $4,245 | $3,363 |
| W-4 | $4,347 | $3,582 |
| W-5 | $4,473 | $3,846 |
| O-1E | $3,837 | $3,174 |
| O-2E | $4,194 | $3,327 |
| O-3E | $4,365 | $3,516 |
| O-1 | $3,225 | $2,805 |
| O-2 | $3,522 | $3,120 |
| O-3 | $4,233 | $3,396 |
| O-4 | $4,512 | $3,801 |
| O-5 | $4,707 | $3,960 |
| O-6 | $4,746 | $4,224 |
| O-7 and above | $4,782 | $4,299 |
What is take-home pay with BAH in Manchester/Concord, NH?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. New Hampshire has no income tax on wages, so no state tax comes off.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $2,250.00 | $2,994.00 | $3,396.00 | $4,233.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | none | none | none | none |
| Take-home a month | $5,706.73 | $6,607.04 | $9,654.04 | $10,856.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Manchester/Concord, NH?
DTMO’s 2026 list maps 69 ZIP codes to this housing area (NH195). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
Show all 69 ZIP codes
030xx: 03031, 03033, 03043, 03045, 03046, 03047, 03048, 03049, 03051, 03052, 03054, 03055, 03057, 03060, 03061, 03062, 03063, 03064, 03070, 03071, 03076, 03082, 03084, 03086
031xx: 03101, 03102, 03103, 03104, 03105, 03106, 03108, 03109, 03110, 03111
032xx: 03216, 03221, 03224, 03229, 03230, 03231, 03233, 03234, 03235, 03242, 03243, 03244, 03255, 03257, 03258, 03260, 03263, 03268, 03272, 03273, 03275, 03278, 03281, 03287
033xx: 03301, 03302, 03303, 03304, 03305, 03307
034xx: 03440, 03442, 03449, 03458, 03468
How does Manchester/Concord, NH BAH compare?
For an E-5 with dependents, Manchester/Concord, NH pays $3,177 a month: number 44 of 338 housing areas, and $1,116 above the middle of all areas ($2,061). Other housing areas in New Hampshire:
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
- New Hampshire minimum wage The New Hampshire minimum wage for 2026 and 2027, with full-time pay.
- New Hampshire paycheck calculator Take-home pay for a civilian job in New Hampshire, after federal and state tax.
Questions about BAH in Manchester/Concord, NH
What is E-5 BAH in Manchester/Concord, NH for 2026?
$3,177 a month with dependents and $2,613 without ($38,124 and $31,356 a year). That ranks 44 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in Manchester/Concord, NH?
An O-3 gets $4,233 a month with dependents and $3,396 without in 2026. A W-2 gets $3,897 and $3,249.
How much BAH does an E-1 get in Manchester/Concord, NH?
$2,994 a month with dependents and $2,250 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Manchester/Concord, NH BAH rates?
69 ZIP codes in DTMO’s 2026 list map to this housing area (NH195): 03031, 03033, 03043, 03045, 03046 and 64 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Manchester/Concord, NH taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $6,209.35 a month here with allowances and takes home about $5,706.73. New Hampshire has no income tax on wages, so no state tax comes off.
When will Manchester/Concord, NH BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.