2026 BAH Rates in New Mexico – ZIP-Based Military Housing Allowance
New Mexico’s 2026 Basic Allowance for Housing (BAH) rates are now available. These monthly, tax-free payments help active-duty military personnel cover housing costs when living off base. Whether you’re stationed at Kirtland AFB, Cannon AFB, Holloman AFB, or serving in a city like Santa Fe or Clovis, your current housing allowance is based on your ZIP code, rank, and dependent status.
For 2026, New Mexico saw modest BAH increases in urban areas like Albuquerque and in ZIPs near major installations. You can view national trends on our 2026 BAH rate tracker, or explore financing options in the New Mexico VA loan guide.
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What Is the Basic Allowance for Housing (BAH)?
BAH is a monthly, non-taxable allowance for military members who live off base. In New Mexico, this includes those assigned to installations such as Kirtland AFB (Albuquerque), Cannon AFB (Clovis), and Holloman AFB (near Alamogordo), as well as recruiters and support staff in cities like Santa Fe and Las Cruces.
How BAH Rates Are Set in New Mexico
- Location: Rates vary by ZIP code — including 87117 (Kirtland AFB), 88101 (Cannon AFB), and 88310 (Holloman AFB).
- Pay Grade: The higher your rank, the more BAH you receive.
- Dependents: BAH is higher if you have dependents to account for family housing needs.
How to Use the BAH Chart
- Look up your ZIP code or installation
- Select your pay grade (e.g., E-5, O-2)
- View the monthly rate for with/without dependents
Can You Use BAH to Buy a Home in New Mexico?
Absolutely. Many service members across New Mexico use their BAH to purchase a home through the VA loan program. In cities like Clovis, Alamogordo, and Rio Rancho, your BAH may be enough to cover most — or all — of your monthly mortgage payment.
VA Loan Advantages for Military Buyers in New Mexico:
- No down payment required for most VA borrowers
- No private mortgage insurance (PMI) required
- Flexible credit standards and manual underwriting options
- Access to low-interest VA mortgage rates
Using your BAH to build equity in New Mexico can be more cost-effective than renting — especially in stable housing markets near base.
New Mexico Rental Market & 2026 BAH Impact
New Mexico’s rental market remains relatively affordable compared to neighboring states. BAH generally covers full rent in areas near Cannon and Holloman AFB, while in Albuquerque (Kirtland AFB), service members may pay a bit more out of pocket depending on housing type. In 2026, increases were made to reflect localized rent growth, especially in Bernalillo and Curry counties.
Holloman AFB/Alamogordo BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,290 | $975 |
| E02 | $1,290 | $975 |
| E03 | $1,290 | $975 |
| E04 | $1,290 | $975 |
| E05 | $1,458 | $1,095 |
| E06 | $1,647 | $1,233 |
| E07 | $1,695 | $1,296 |
| E08 | $1,749 | $1,500 |
| E09 | $1,848 | $1,545 |
| W01 | $1,665 | $1,248 |
| W02 | $1,719 | $1,497 |
| W03 | $1,788 | $1,554 |
| W04 | $1,875 | $1,650 |
| W05 | $1,986 | $1,707 |
| O01E | $1,701 | $1,455 |
| O02E | $1,776 | $1,536 |
| O03E | $1,890 | $1,638 |
| O01 | $1,488 | $1,119 |
| O02 | $1,644 | $1,407 |
| O03 | $1,785 | $1,575 |
| O04 | $2,019 | $1,689 |
| O05 | $2,187 | $1,716 |
| O06 | $2,205 | $1,767 |
| O07 | $2,217 | $1,797 |
BAH for HOLLOMAN AFB/ALAMOGORDO, NM includes the following zip codes: 88310, 88311, 88314, 88317, 88325, 88330, 88337, 88339, 88340, 88342, 88344, 88347, 88349, 88350, 88352, 88354.
Albuquerque/Kirtland AFB BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,971 | $1,479 |
| E02 | $1,971 | $1,479 |
| E03 | $1,971 | $1,479 |
| E04 | $1,971 | $1,479 |
| E05 | $2,175 | $1,647 |
| E06 | $2,238 | $1,785 |
| E07 | $2,262 | $1,977 |
| E08 | $2,289 | $2,196 |
| E09 | $2,382 | $2,202 |
| W01 | $2,253 | $1,911 |
| W02 | $2,274 | $2,193 |
| W03 | $2,313 | $2,205 |
| W04 | $2,412 | $2,232 |
| W05 | $2,538 | $2,265 |
| O01E | $2,265 | $2,172 |
| O02E | $2,304 | $2,199 |
| O03E | $2,430 | $2,226 |
| O01 | $2,193 | $1,764 |
| O02 | $2,235 | $2,112 |
| O03 | $2,310 | $2,211 |
| O04 | $2,580 | $2,253 |
| O05 | $2,772 | $2,268 |
| O06 | $2,796 | $2,289 |
| O07 | $2,817 | $2,331 |
BAH for ALBUQUERQUE/KIRTLAND AFB, NM includes the following zip codes: 87001, 87002, 87004, 87006, 87008, 87013, 87018, 87022, 87023, 87024, 87025, 87026, 87027, 87031, 87041, 87042, 87043, 87044, 87046, 87047, 87048, 87052, 87053, 87059, 87060, 87068, 87072, 87083, 87101, 87102, 87103, 87104, 87105, 87106, 87107, 87108, 87109, 87110, 87111, 87112, 87113, 87114, 87115, 87116, 87117, 87119, 87120, 87121, 87122, 87123, 87124, 87125, 87131, 87144, 87151, 87153, 87154, 87158, 87174, 87176, 87181, 87184, 87185, 87187, 87190, 87191, 87192, 87193, 87194, 87195, 87196, 87197, 87198, 87199.
Cannon AFB/Clovis BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,203 | $903 |
| E02 | $1,203 | $903 |
| E03 | $1,203 | $903 |
| E04 | $1,203 | $903 |
| E05 | $1,305 | $1,020 |
| E06 | $1,539 | $1,149 |
| E07 | $1,623 | $1,218 |
| E08 | $1,716 | $1,359 |
| E09 | $1,791 | $1,416 |
| W01 | $1,554 | $1,179 |
| W02 | $1,662 | $1,356 |
| W03 | $1,776 | $1,428 |
| W04 | $1,797 | $1,551 |
| W05 | $1,830 | $1,644 |
| O01E | $1,635 | $1,302 |
| O02E | $1,761 | $1,404 |
| O03E | $1,800 | $1,527 |
| O01 | $1,341 | $1,095 |
| O02 | $1,536 | $1,275 |
| O03 | $1,773 | $1,452 |
| O04 | $1,833 | $1,623 |
| O05 | $1,869 | $1,671 |
| O06 | $1,884 | $1,758 |
| O07 | $1,896 | $1,788 |
BAH for CANNON AFB/CLOVIS, NM includes the following zip codes: 88101, 88102, 88103, 88112, 88113, 88115, 88116, 88118, 88120, 88122, 88123, 88124, 88125, 88126, 88130, 88132, 88133, 88135.
White Sands MR/Las Cruces BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $1,533 | $1,149 |
| E02 | $1,533 | $1,149 |
| E03 | $1,533 | $1,149 |
| E04 | $1,533 | $1,149 |
| E05 | $1,752 | $1,314 |
| E06 | $1,938 | $1,452 |
| E07 | $1,980 | $1,542 |
| E08 | $2,025 | $1,794 |
| E09 | $2,100 | $1,839 |
| W01 | $1,956 | $1,467 |
| W02 | $1,998 | $1,791 |
| W03 | $2,058 | $1,848 |
| W04 | $2,121 | $1,941 |
| W05 | $2,202 | $1,989 |
| O01E | $1,983 | $1,749 |
| O02E | $2,049 | $1,827 |
| O03E | $2,130 | $1,929 |
| O01 | $1,782 | $1,338 |
| O02 | $1,935 | $1,683 |
| O03 | $2,055 | $1,866 |
| O04 | $2,223 | $1,974 |
| O05 | $2,340 | $1,995 |
| O06 | $2,358 | $2,037 |
| O07 | $2,376 | $2,073 |
BAH for WHITE SANDS MR/LAS CRUCES, NM includes the following zip codes: 87936, 87937, 87940, 87941, 88001, 88002, 88003, 88004, 88005, 88006, 88007, 88008, 88011, 88012, 88013, 88021, 88024, 88027, 88032, 88033, 88044, 88046, 88047, 88048, 88052, 88054, 88058, 88063, 88072, 88081.
Santa Fe/Los Alamos BAH Rates
| Grade | With Dependents | Without Dependents |
|---|---|---|
| E01 | $2,448 | $1,836 |
| E02 | $2,448 | $1,836 |
| E03 | $2,448 | $1,836 |
| E04 | $2,448 | $1,836 |
| E05 | $2,748 | $2,061 |
| E06 | $3,396 | $2,547 |
| E07 | $3,426 | $2,571 |
| E08 | $3,456 | $2,877 |
| E09 | $3,531 | $3,072 |
| W01 | $3,417 | $2,562 |
| W02 | $3,438 | $2,874 |
| W03 | $3,480 | $3,093 |
| W04 | $3,555 | $3,399 |
| W05 | $3,651 | $3,432 |
| O01E | $3,429 | $2,745 |
| O02E | $3,471 | $3,027 |
| O03E | $3,567 | $3,390 |
| O01 | $2,829 | $2,148 |
| O02 | $3,387 | $2,649 |
| O03 | $3,477 | $3,159 |
| O04 | $3,681 | $3,417 |
| O05 | $3,825 | $3,435 |
| O06 | $3,861 | $3,459 |
| O07 | $3,891 | $3,522 |
BAH for SANTA FE/LOS ALAMOS, NM includes the following zip codes: 87010, 87015, 87056, 87501, 87502, 87503, 87504, 87505, 87506, 87507, 87508, 87509, 87535, 87540, 87544, 87545, 87547, 87567, 87574, 87592, 87594.
