Updated February 2026

BAH Rates Manchester/Concord, NH 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Manchester/Concord military housing area (MHA: NH195), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

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E-5 with Dependents

$3,177

$38,124/year

E-5 without Dependents

$2,613

$31,356/year

O-3 with Dependents

$4,233

$50,796/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,994	$35,928
E-2	$2,994	$35,928
E-3	$2,994	$35,928
E-4	$2,994	$35,928
E-5	$3,177	$38,124
E-6	$3,525	$42,300
E-7	$3,783	$45,396
E-8	$4,065	$48,780
E-9	$4,320	$51,840
Warrant Officer
W-1	$3,546	$42,552
W-2	$3,897	$46,764
W-3	$4,245	$50,940
W-4	$4,347	$52,164
W-5	$4,473	$53,676
Commissioned Officer (Prior Enlisted)
O-1E	$3,837	$46,044
O-2E	$4,194	$50,328
O-3E	$4,365	$52,380
Commissioned Officer
O-1	$3,225	$38,700
O-2	$3,522	$42,264
O-3	$4,233	$50,796
O-4	$4,512	$54,144
O-5	$4,707	$56,484
O-6	$4,746	$56,952
O-7	$4,782	$57,384

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,250	$27,000
E-2	$2,250	$27,000
E-3	$2,250	$27,000
E-4	$2,250	$27,000
E-5	$2,613	$31,356
E-6	$2,823	$33,876
E-7	$2,997	$35,964
E-8	$3,252	$39,024
E-9	$3,348	$40,176
Warrant Officer
W-1	$2,940	$35,280
W-2	$3,249	$38,988
W-3	$3,363	$40,356
W-4	$3,582	$42,984
W-5	$3,846	$46,152
Commissioned Officer (Prior Enlisted)
O-1E	$3,174	$38,088
O-2E	$3,327	$39,924
O-3E	$3,516	$42,192
Commissioned Officer
O-1	$2,805	$33,660
O-2	$3,120	$37,440
O-3	$3,396	$40,752
O-4	$3,801	$45,612
O-5	$3,960	$47,520
O-6	$4,224	$50,688
O-7	$4,299	$51,588

60 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Manchester/Concord (NH195) Military Housing Area:

03031 03033 03036 03043 03045 03047 03048 03049 03051 03052 03054 03055 03057 03060 03062 03063 03064 03070 03071 03076 03082 03084 03086 03101 03102 03103 03104 03106 03109 03110 03216 03221 03224 03229 03230 03233 03234 03235 03242 03243 03244 03255 03257 03260 03263 03268 03273 03275 03276 03278 03281 03287 03301 03303 03304 03307 03440 03442 03449 03458

Frequently Asked Questions

What is the BAH rate for an E-5 in Manchester/Concord?

The 2026 BAH rate for an E-5 with dependents in Manchester/Concord, NH is $3,177 per month ($38,124 per year). Without dependents, the rate is $2,613 per month.

How many ZIP codes are in the Manchester/Concord MHA?

The Manchester/Concord Military Housing Area (NH195) includes 60 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.