Naval Submarine Base New London
Groton, Connecticut · Navy
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Quick reference: 2026 BAH rates at Naval Submarine Base New London
For 2026, BAH rates at Naval Submarine Base New London (New London, CT MHA) are: E-4 with dependents: $2,412/mo · E-5 without dependents: $2,148/mo · E-5 with dependents: $2,580/mo · E-6 with dependents: $3,072/mo · E-7 with dependents: $3,159/mo · O-3 with dependents: $3,306/mo. BAH is excluded from federal taxable income. Full rates for all pay grades are in the table below.
Showing E-5 with dependents for the New London, CT MHA.
Year over year: ▲ +$171 (7.1%) vs 2025
Quick Facts
Location
Groton, CT
Branch
Navy
MHA
New London, CT
E-5 w/dep
$2,580/mo
State Tax
5.0% (Connecticut)
CONUS COLA
Eligible (moderate)
How This Market Compares
Naval Submarine Base New London BAH for an E-5 with dependents is $2,580/month — $519/month above the national median of $2,061. That ranks the New London, CT MHA 85th-highest of the 338 military housing areas tracked nationwide (top 25%) for the E-5 with-dependents rate.
E-5 w/dep BAH here
$2,580/mo
Natl median E-5 w/dep
$2,061/mo
vs. national median
+$519/mo
BAH vs. Local Rent
Across this area, 2-bedroom Fair Market Rent runs about $1,760–$2,105 (median $1,880).
E-5 w/dep BAH
$2,580/mo
2BR rent (HUD FMR, FY2026)
$1,880 median
$1,760–$2,105 range
The 2026 BAH for E-5 with dependents ($2,580) is above the area's 75th-percentile 2-bedroom rent — it covers a 2-bedroom across most of this area.
BAH is designed to cover about 95% of typical local housing costs — rent plus utilities — for a member's pay grade and dependency status, leaving a roughly 5% member cost share.
2-bedroom Fair Market Rent (HUD, FY2026). 2-bedroom is the reference point closest to junior- and mid-grade housing; larger households and senior grades typically need more space. Rent figures are HUD Small Area Fair Market Rents matched to this installation's Military Housing Area by ZIP code. MHA boundaries and HUD rent areas don't align perfectly, so these are area-level reference figures, not a personalized rent estimate. FMR is a gross-rent figure that includes tenant-paid utilities — the same basis BAH is built on.
How Naval Submarine Base New London BAH is set
BAH is set by Military Housing Area (MHA), not by your specific ZIP code or neighborhood. Naval Submarine Base New London falls in the New London, CT MHA — every installation and address in that MHA receives the same rate for a given pay grade and dependency status, so multiple bases can share one rate.
Naval Submarine Base New London shares the New London, CT MHA with U.S. Coast Guard Academy — all receive identical BAH.
For 2026, the E-5 with-dependents rate at Naval Submarine Base New London rose $171 (+7.1%) from 2025's $2,409/month — about $2,052 more over the year, excluded from federal taxable income. That's above the national average BAH increase of 4.2% for 2026. Year-over-year change reflects published table rates; individual rate protection may keep your personal rate higher.
2026 BAH Rates — New London, CT
Monthly rates for all pay grades. Source: DTMO 2026 BAH data. BAH is not taxable income.
E-4 w/dep: $2,412/mo·E-5 w/dep: $2,580/mo·E-6 w/dep: $3,072/mo
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| Enlisted | ||
| E-1 (PVT/SR/Amn/Pvt) | $2,412▲ +$147 (6.5%) | $1,989▲ +$126 (6.8%) |
| E-2 (PV2/FA/A1C/PFC) | $2,412▲ +$147 (6.5%) | $1,989▲ +$126 (6.8%) |
| E-3 (PFC/SA/SrA/LCpl) | $2,412▲ +$147 (6.5%) | $1,989▲ +$126 (6.8%) |
| E-4 (SPC/Cpl/SN/Cpl) | $2,412▲ +$147 (6.5%) | $1,989▲ +$126 (6.8%) |
| E-5 (SGT/PO2/SSgt) | $2,580▲ +$171 (7.1%) | $2,148▲ +$123 (6.1%) |
| E-6 (SSG/PO1/TSgt) | $3,072▲ +$228 (8.0%) | $2,304▲ +$171 (8.0%) |
| E-7 (SFC/CPO/MSgt) | $3,159▲ +$213 (7.2%) | $2,418▲ +$150 (6.6%) |
| E-8 (MSG/1SG/SCPO) | $3,249▲ +$198 (6.5%) | $2,682▲ +$183 (7.3%) |
| E-9 (SGM/CSM/MCPO) | $3,405▲ +$192 (6.0%) | $2,826▲ +$201 (7.7%) |
| Warrant Officer | ||
| W-1 (WO1) | $3,093▲ +$228 (8.0%) | $2,367▲ +$141 (6.3%) |
| W-2 (CW2) | $3,195▲ +$204 (6.8%) | $2,679▲ +$183 (7.3%) |
| W-3 (CW3) | $3,309▲ +$186 (6.0%) | $2,844▲ +$201 (7.6%) |
| W-4 (CW4) | $3,441▲ +$189 (5.8%) | $3,087▲ +$222 (7.7%) |
| W-5 (CW5) | $3,603▲ +$195 (5.7%) | $3,177▲ +$207 (7.0%) |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $3,174▲ +$213 (7.2%) | $2,577▲ +$171 (7.1%) |
| O-2E (1LT — prior enlisted) | $3,291▲ +$186 (6.0%) | $2,796▲ +$198 (7.6%) |
| O-3E (CPT — prior enlisted) | $3,465▲ +$192 (5.9%) | $3,066▲ +$228 (8.0%) |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $2,646▲ +$180 (7.3%) | $2,241▲ +$123 (5.8%) |
| O-2 (1LT/LTJG/1stLt) | $3,069▲ +$228 (8.0%) | $2,529▲ +$165 (7.0%) |
| O-3 (CPT/LT/Capt) | $3,306▲ +$186 (6.0%) | $2,892▲ +$204 (7.6%) |
| O-4 (MAJ/LCDR/Maj) | $3,654▲ +$192 (5.5%) | $3,156▲ +$210 (7.1%) |
| O-5 (LTC/CDR/LtCol) | $3,906▲ +$204 (5.5%) | $3,204▲ +$198 (6.6%) |
| O-6 (COL/CAPT/Col) | $3,939▲ +$204 (5.5%) | $3,288▲ +$183 (5.9%) |
| O-7 (BG/RDML/BGen) | $3,966▲ +$201 (5.3%) | $3,345▲ +$186 (5.9%) |
O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026. Year-over-year change reflects published BAH table rates. Individual rate protection means your personal rate may differ if you've maintained eligibility at this location.
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Calculate your total compensation →Key Insights for Naval Submarine Base New London
An E-5 with dependents receives $2,580/month — that's $30,960/year in housing money (excluded from federal taxable income) to cover costs in the New London, CT market.
Connecticut taxes military base pay at approximately 5.0%. BAH and BAS are excluded from federal taxable income; state treatment varies.
Members at Naval Submarine Base New London are eligible for CONUS COLA — a monthly supplement for high-cost areas (New London / Groton, moderate tier). Confirm your exact rate with your finance office.
BAH is benchmarked to typical local rental costs for a member's pay grade and dependency status — not premium or above-median housing. Members who choose more expensive housing pay the difference out of pocket.
Frequently Asked Questions
What is the 2026 BAH rate for an E-5 with dependents at Naval Submarine Base New London?
For 2026, an E-5 with dependents at Naval Submarine Base New London receives $2,580/month in BAH (New London, CT MHA). Other grades with dependents: E-6 $3,072/month, E-7 $3,159/month, O-3 $3,306/month. E-5 without dependents is $2,148/month. BAH is excluded from federal taxable income.
Which Military Housing Area (MHA) is used for Naval Submarine Base New London BAH?
Naval Submarine Base New London is assigned to the New London, CT Military Housing Area (MHA). Every installation and address in the same MHA receives the same rate, regardless of exact ZIP or neighborhood. Rates are published annually by the Defense Travel Management Office (DTMO) and take effect January 1.
How much did Naval Submarine Base New London BAH change from 2025 to 2026?
For 2026, the E-5 with-dependents rate at Naval Submarine Base New London rose $171 (+7.1%) from 2025's $2,409/month — about $2,052 more over the year, excluded from federal taxable income. That's above the national average BAH increase of 4.2% for 2026. Rate protection means a member who stays at the same location with the same dependency status keeps their rate even if the published table rate falls.
Does Naval Submarine Base New London BAH depend on my exact ZIP code?
No. BAH is set by Military Housing Area (MHA), not by your specific ZIP or neighborhood. Naval Submarine Base New London falls in the New London, CT MHA, so every ZIP in that area receives the identical rate for a given pay grade and dependency status.
How does Naval Submarine Base New London BAH compare with nearby installations?
Nearby installations have their own MHA rates. For an E-5 with dependents: Fort Hamilton is $2,490/month higher, Joint Base McGuire-Dix-Lakehurst is $243/month higher, and Naval Station Newport is $267/month higher — compared with Naval Submarine Base New London's $2,580/month.
How does BAH at Naval Submarine Base New London compare with local rent?
For 2026, an E-5 with dependents at Naval Submarine Base New London receives $2,580/month in BAH. Across the New London, CT area, 2-bedroom Fair Market Rent (HUD, FY2026) runs about $1,760–$2,105 (median $1,880). The 2026 BAH for an E-5 with dependents ($2,580) is above the area's 75th-percentile 2-bedroom rent — it covers a 2-bedroom across most of this area. BAH is designed to cover about 95% of typical local housing costs — rent plus utilities — for a member's pay grade and dependency status.
Is BAH taxable for service members stationed at Naval Submarine Base New London?
No. BAH is excluded from federal taxable income under the Military Pay Tax Exclusion. Most states also exempt BAH from state income tax, though treatment varies by state. Service members keep the full dollar value of their housing allowance.
Why do Naval Submarine Base New London and U.S. Coast Guard Academy have the same BAH rate?
Naval Submarine Base New London shares the New London, CT MHA with U.S. Coast Guard Academy — all of them receive identical BAH because the rate is set per MHA, not per installation. A member at any of these locations with the same pay grade and dependency status receives the same amount.
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Data Source & Disclaimer
BAH rates are from the Defense Travel Management Office (DTMO) 2026 BAH data, effective January 1, 2026. Rates are set by Military Housing Area (MHA), not individual ZIP code — all ZIPs in the same MHA receive identical rates. This page is for informational purposes only and is not affiliated with DoD, DTMO, or any government agency. Verify your entitlement at travel.dod.mil.