Naval Submarine Base New London: BAH and housing

Naval Submarine Base New London is a naval submarine base in Groton, Connecticut. For an E-5 with dependents, the housing allowance comes to $2,580 a month (30th-highest of 119 among the bases we track), $30 more than the $2,550 HUD fair-market rent for a 3-bedroom in ZIP 06340. Homes in Groton have a median value of $306,600 (median rent $1,250), which makes it a mid-range market among the bases we cover (45th-highest of 114). Normal daily temperatures run from 44°F to 60°F on average, with 49 inches of precipitation a year.

Data: DTMO 2026 BAH for MHA CT049, HUD rents for ZIP 06340, Census ACS for Groton city, NOAA normals at Groton, CT. Jump to sources · Methodology

What is my BAH (Basic Allowance for Housing) at Naval Submarine Base New London?

This calculator uses 2026 DTMO (Defense Travel Management Office) rates for selected pay grade and dependent status.

Pay grade

Dependents

$2,148/mo

Monthly BAH at E-5 pay grade without dependents.

Naval Submarine Base New London: $2,148

Typical 2-bedroom rent nearby: $1,980/mo
BAH vs that rent: $168/mo left over

Key facts for living at Naval Submarine Base New London

Key facts for living at Naval Submarine Base New London
Host state	Connecticut
State income tax	Top listed rate 6.99%
Top state income-tax rate	6.99%
Average sales tax (state + local)	6.35%
Average property tax (real estate)	1.54%
Personal property tax (vehicles)	Yes — 2.07% effective
Median home value	$444,038
Military housing area	CT049 — NEW LONDON, CT
Climate (annual high / low)	60° / 44°F
Annual precipitation	48.9 in
Official site	Naval Submarine Base New London

More about living in Connecticut

Compare these bases

I am leaving

I am going to

Only destinations that share a service with the origin are listed.

PCS checklist for Naval Submarine Base New London

Update DEERS and your page-2 / dependency status before BAH starts at the new MHA (CT049).
Look up your exact BAH for rank and dependents on the DTMO BAH lookup (ZIP 06349).
Off-base 2-bedroom HUD FMR in Southeastern Connecticut Planning Region is $1,866/mo. On-base housing is separate.
Get a CT driver license within 30 days and title the car within 60 days. See Connecticut.
Confirm reporting instructions on the official Naval Submarine Base New London site.

How Naval Submarine Base New London compares

E-5 with-dependents BAH is higher at Naval Base San Diego ($3,975 vs $2,580).

Use the picker above for any other compatible installation. Published PCS pages that include Naval Submarine Base New London are listed here.

Sources

Housing figures below are for the installation (MHA, HUD rent, climate). Host-state tax rates are statewide averages — not a tax return. County add-ons can differ, and wage tax on military pay follows legal residence, not the duty station.

BAH (with and without dependents). DTMO CY2026 BAH tables for Naval Submarine Base New London (CT049). Confirm current rates on the DTMO BAH lookup.
2-bedroom Fair Market Rent. HUD FY2026 FMR — Southeastern Connecticut Planning Region $1,866.
Off-base ZIP rent (HUD Small Area FMR). FY2026 ZIP 2- and 3-bedroom 40th-percentile rents from the HUD Small Area FMR tables: 06340 (Groton) $1,980 / $2,550.
Off-base city home value and rent. U.S. Census Bureau American Community Survey 5-year 2020–2024 tables B25077 (median value of owner-occupied homes) and B25064 (median gross rent) for Groton city, Connecticut ($306,600, $1,250/mo). Owner-reported values, not transaction prices.
Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Groton, CT (USC00063207).
Host-state wage tax. Statewide listed rates for Connecticut from the Tax Foundation 2026 individual income-tax tables. On this page they describe the host state, not automatically the tax on a military LES (legal residence can stay put). BAH is untaxed.
Combined sales tax near the installation. Tax Foundation January 2026 state-and-local sales-tax averages for Connecticut. Used as an off-base shopping stand-in; city and county add-ons vary.
Effective property tax if you buy off-base. Tax Foundation 2026 property taxes by state for Connecticut. On-base housing is not in this figure.
Vehicle title tax and new-resident clocks. Connecticut motor-vehicle agency (license 30 days, title 60 days; title tax 6.35%). These are host-state motor-vehicle rules, not BAH.
Vehicle personal-property tax on the host-state snapshot. WalletHub 2026 vehicle property-tax table for Connecticut. This is a statewide car-tax flag, not real-estate tax and not BAH.
Statewide median home value on the host-state snapshot. Experian / Zillow March 2026 state medians for Connecticut. Backdrop for off-base purchase prices; on-base housing and BAH are separate.

Data last updated: September 2026. How the data is compiled