O-3 BAH Rates in Manchester/Concord, NH (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Manchester/Concord, NH is $4,233 per month with dependents and $3,396 per month without dependents. This rate is $1,374 above the national average for O-3.
BAH is a tax-free housing allowance paid to service members who do not live in government housing. Combined with O-3 base pay of $7,737/mo (at 6 years of service) and BAS of $328.48/mo, total monthly compensation in Manchester/Concord is approximately $12,298.48 with dependents or $11,461.48 without.
O-3 BAH: Manchester/Concord vs National Average
| Manchester/Concord | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $4,233 | $2,859 | +$1,374 |
| Without Dependents | $3,396 | $2,493 | +$903 |
O-3 Total Monthly Compensation in Manchester/Concord
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Manchester/Concord:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $4,233 | $3,396 |
| BAS | $328.48 | $328.48 |
| Total | $12,298.48 | $11,461.48 |
Base pay shown for 6 years of service. BAH and BAS are tax-free. Actual take-home pay will differ after federal tax on base pay. Use our Military Pay Calculator for a personalized estimate.
Other Ranks in Manchester/Concord
- E-3 — $2,994/mo
- E-4 — $2,994/mo
- E-5 — $3,177/mo
- E-6 — $3,525/mo
- E-7 — $3,783/mo
- O-1 — $3,225/mo
- O-2 — $3,522/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Manchester/Concord?
The 2026 O-3 BAH rate in Manchester/Concord is $4,233/mo with dependents and $3,396/mo without dependents.
What is the total monthly pay for O-3 in Manchester/Concord?
An O-3 with 6 years of service in Manchester/Concord earns approximately $12,298.48/mo total compensation with dependents (base pay $7,737 + BAH $4,233 + BAS $328.48). Without dependents: $11,461.48/mo.
Is Manchester/Concord BAH above or below average?
O-3 BAH in Manchester/Concord is $1,374 above the national average of $2,859/mo with dependents.
O-3 BAH in Manchester/Concord, NH, in context
An O-3 with dependents in Manchester/Concord, NH draws $4,233/mo — 48.1% above the national average of $2,859 for this grade (30th of 299 MHAs). Without dependents the rate is $3,396/mo, a $837 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $279/mo (to $4,512), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.