BAH 2026Military housing area NH195
Manchester/Concord, NH BAH 2026
DoD’s 2026 housing allowance for every pay grade in the Manchester/Concord, NH military housing area, with and without dependents, and the 69 ZIP codes it covers.
On this page4 sections
- E‑5 with dependents
- $3,177a month44th highest of 338
- E‑5 without dependents
- $2,613a month
- O‑3 with dependents
- $4,233a month30th highest of 338
- ZIP codes
- 69in this DoD area
Manchester/Concord, NH pays $3,177 a month for an E‑5 with dependents: the 44th highest of 338 areas. The lowest is Anniston/Fort McClellan, AL at $1,185, the highest San Francisco, CA at $5,127. The three ticks split the 338 areas into four equal groups, at $1,626, $2,064, $2,580.
Monthly BAH by grade, 2026
The 2026 rates for each grade, in whole dollars a month, exactly as DoD’s file lists them for NH195. E‑1 to E‑4 with dependents share one rate here.
| Grade | With dependents | Without dependents |
|---|---|---|
| Enlisted | ||
| E‑1 | $2,994 | $2,250 |
| E‑2 | $2,994 | $2,250 |
| E‑3 | $2,994 | $2,250 |
| E‑4 | $2,994 | $2,250 |
| E‑5 | $3,177 | $2,613 |
| E‑6 | $3,525 | $2,823 |
| E‑7 | $3,783 | $2,997 |
| E‑8 | $4,065 | $3,252 |
| E‑9 | $4,320 | $3,348 |
| Warrant officers | ||
| W‑1 | $3,546 | $2,940 |
| W‑2 | $3,897 | $3,249 |
| W‑3 | $4,245 | $3,363 |
| W‑4 | $4,347 | $3,582 |
| W‑5 | $4,473 | $3,846 |
| Officers with over 4 years of enlisted or warrant service | ||
| O‑1E | $3,837 | $3,174 |
| O‑2E | $4,194 | $3,327 |
| O‑3E | $4,365 | $3,516 |
| Officers | ||
| O‑1 | $3,225 | $2,805 |
| O‑2 | $3,522 | $3,120 |
| O‑3 | $4,233 | $3,396 |
| O‑4 | $4,512 | $3,801 |
| O‑5 | $4,707 | $3,960 |
| O‑6 | $4,746 | $4,224 |
| O‑7 | $4,782 | $4,299 |
| O‑8† | $4,782 | $4,299 |
| O‑9† | $4,782 | $4,299 |
| O‑10† | $4,782 | $4,299 |
E‑5, the grade in the summary above, is highlighted. † DoD’s file has three columns after O‑7, equal to O‑7 in every area; DoD labels its columns only through O‑7, so they are read here as O‑8 to O‑10.
ZIP codes in this area
DoD’s 2026 file puts these 69 ZIP codes in Manchester/Concord, NH (NH195). The BAH calculator looks up any of them and can compare up to three; the buttons below open it at 03031, one ZIP in this area, or at a ZIP the check below finds in this area.
Show all 69 ZIP codesAll 69 ZIP codes
- 030xx
- 03031 03033 03043 03045 03046 03047 03048 03049 03051 03052 03054 03055 03057 03060 03061 03062 03063 03064 03070 03071 03076 03082 03084 03086
- 031xx
- 03101 03102 03103 03104 03105 03106 03108 03109 03110 03111
- 032xx
- 03216 03221 03224 03229 03230 03231 03233 03234 03235 03242 03243 03244 03255 03257 03258 03260 03263 03268 03272 03273 03275 03278 03281 03287
- 033xx
- 03301 03302 03303 03304 03305 03307
- 034xx
- 03440 03442 03449 03458 03468
Other areas in New Hampshire
Areas whose DoD code starts with NH, with the E‑5 with-dependents rate for 2026.
How these rates work
- BAH depends on the area, the pay grade and whether the member has dependents; every rate here is a whole-dollar cell of DoD’s 2026 file (BAH-ASCII-2026.zip), not an estimate.
- Rate protection (37 U.S.C. 403(b)(6)): So long as a member retains uninterrupted eligibility for BAH within an area of the United States, the monthly allowance may not be reduced as a result of changes in housing costs in the area or the member’s promotion. This page can’t know a protected rate; the Leave and Earnings Statement shows it.
- ZIP codes outside DoD’s file, and the 214 ZIP codes DoD’s file assigns to XX499 (“UNKNOWN”), have no area page.
Sources
Checked against DoD’s file on October 13, 2026. The data page lists every file’s checksum: BAH data.