Naval Submarine Base New London
Groton, Connecticut · Navy
NSB New London is the U.S. Navy's primary submarine base and home to the Naval Submarine School, homeporting Virginia-class and Ohio-class submarines on the Thames River.
Quick Facts
Location
Groton, CT
Branch
Navy
MHA
New London, CT
E-5 w/dep BAH
$2,580/mo
State Tax
5.0% (Connecticut)
CONUS COLA
Eligible (moderate)
2026 BAH Rates — New London, CT
Monthly rates. Source: DTMO 2026 BAH data. BAH is not taxable income.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| Enlisted | ||
| E-1 (PVT/SR/Amn/Pvt) | $2,412 | $1,989 |
| E-2 (PV2/FA/A1C/PFC) | $2,412 | $1,989 |
| E-3 (PFC/SA/SrA/LCpl) | $2,412 | $1,989 |
| E-4 (SPC/Cpl/SN/Cpl) | $2,412 | $1,989 |
| E-5 (SGT/PO2/SSgt) | $2,580 | $2,148 |
| E-6 (SSG/PO1/TSgt) | $3,072 | $2,304 |
| E-7 (SFC/CPO/MSgt) | $3,159 | $2,418 |
| E-8 (MSG/1SG/SCPO) | $3,249 | $2,682 |
| E-9 (SGM/CSM/MCPO) | $3,405 | $2,826 |
| Warrant Officer | ||
| W-1 (WO1) | $3,093 | $2,367 |
| W-2 (CW2) | $3,195 | $2,679 |
| W-3 (CW3) | $3,309 | $2,844 |
| W-4 (CW4) | $3,441 | $3,087 |
| W-5 (CW5) | $3,603 | $3,177 |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $3,174 | $2,577 |
| O-2E (1LT — prior enlisted) | $3,291 | $2,796 |
| O-3E (CPT — prior enlisted) | $3,465 | $3,066 |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $2,646 | $2,241 |
| O-2 (1LT/LTJG/1stLt) | $3,069 | $2,529 |
| O-3 (CPT/LT/Capt) | $3,306 | $2,892 |
| O-4 (MAJ/LCDR/Maj) | $3,654 | $3,156 |
| O-5 (LTC/CDR/LtCol) | $3,906 | $3,204 |
| O-6 (COL/CAPT/Col) | $3,939 | $3,288 |
| O-7 (BG/RDML/BGen) | $3,966 | $3,345 |
O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026.
How This Market Compares
E-5 w/dep BAH here
$2,580/mo
National avg E-5 w/dep
$1,987/mo
vs. National avg
+$593/mo
Groton/New London is a mid-sized Connecticut market. BAH is elevated relative to national averages, reflecting Connecticut's high cost of living, and covers most mid-range rentals comfortably.
Key Insights for Naval Submarine Base New London
An E-5 with dependents receives $2,580/month BAH — or $30,960/year — to cover housing costs in the New London, CT area.
Connecticut taxes military base pay at approximately 5.0%. BAH and BAS remain tax-free at the federal and state level.
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 designed to cover median rental costs — not average or premium rents. Members living in above-median housing pay the difference out of pocket; those in below-median housing keep the surplus.
Calculate Your Full Military Pay
BAH is one component. See your total compensation including base pay, BAS, and tax savings.
Nearby & Comparable Installations
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.