U.S. Coast Guard Academy
New London, Connecticut · Coast Guard
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Showing E-5 with dependents for the New London, CT MHA.
Quick Facts
Location
New London, CT
Branch
Coast Guard
MHA
New London, CT
E-5 w/dep
$2,580/mo
State Tax
5.0% (Connecticut)
CONUS COLA
Eligible (moderate)
How This Market Compares
New London/Groton, CT, has an established military housing market shared with Naval Submarine Base New London. Mystic, Norwich, and Waterford provide additional options. Connecticut's cost of living is elevated compared to national averages.
E-5 w/dep BAH here
$2,580/mo
Natl median E-5 w/dep
$2,061/mo
vs. natl avg
+$519/mo
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 | $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.
Key Insights for U.S. Coast Guard Academy
An E-5 with dependents receives $2,580/month — that's $30,960/year in tax-free housing money to cover costs in the New London, CT market.
Connecticut taxes military base pay at approximately 5.0%. BAH and BAS remain tax-free at the federal and state level.
Members at U.S. Coast Guard Academy 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.
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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.