2026 New Mexico BAH Rates by Base, Rank, and Dependents
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2026 New Mexico BAH Rates

Rates and VA Loan Buying Power

2026 New Mexico BAH Rates and VA Loan Buying Power

Written by: NMLS#151017Written by: (NMLS 151017)
Reviewed by: VA Loan Network Editorial Team, Editorial Team
Updated on
Primary sources:
DoD BAH Lookup

VA Home Loan Overview

New Mexico has 5 Military Housing Areas. E-5 with-dependents BAH ranges from $1,365 to $2,964 per month; E-6 with dependents ranges from $1,593 to $3,414. Buying-power assumptions are stated below the table.


Next step:
Check Your VA Loan Eligibility

Table 1. New Mexico Military Housing Areas at a glance
MHA E-5 w/dep E-6 w/dep E-6 buying power
HOLLOMAN AFB/ALAMOGORDO, NM $1,590 $1,869 ~$210,000
ALBUQUERQUE/KIRTLAND AFB, NM $2,211 $2,328 ~$260,000
CANNON AFB/CLOVIS, NM $1,365 $1,593 ~$180,000
WHITE SANDS MR/LAS CRUCES, NM $1,701 $1,929 ~$215,000
SANTA FE/LOS ALAMOS, NM $2,964 $3,414 ~$380,000

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Step 1 of 6 Your BAH
STEP 01 · YOUR BAH
What's your monthly BAH?

Find it on your LES, listed as "BAH" in entitlements. Or pick your state below to find a base.

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STEP 02 · DEPENDENTS
Do you have dependents?

Spouse, children, or other qualifying dependents. Affects lender qualification.

STEP 03 · CREDIT RANGE
Roughly, where's your credit?

No exact number needed. Many VA lenders go below 580, most banks won't tell you that.

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STEP 04 · TIMELINE
When are you thinking of buying?
YOUR BUYING POWER
Your BAH buys you a home worth this much.
ESTIMATED HOME PRICE
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With $0 down and your VA benefit

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▸Down payment
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New Mexico BAH Snapshot

  • MHA count: 5 Military Housing Areas
  • E-5 w/dep range: $1,365 to $2,964/mo
  • E-6 w/dep range: $1,593 to $3,414/mo
  • Buying power range: ~$150,000 to ~$380,000

How BAH Counts for VA Loans

  • Tax-free income: BAH is excluded from gross income. 26 USC 134(a) Lenders may count it at 125 percent for the debt-to-income ratio, a 25 percent gross-up. VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio
  • LES verification: The lender must verify the BAH amount; allowances are documented on the LES. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH
  • Rate protection: The monthly BAH amount may not be reduced while the member retains uninterrupted eligibility within an area. 37 USC 403(b)(6)
  • Dependent status: The statute establishes separate rates for members with and without dependents. 37 USC 403(b)(5) With-dependents rates are higher at every grade in every MHA.

Highest BAH in Texas

  • SANTA FE/LOS ALAMOS, NM: E-6 w/dep $3,414/mo, ~$380,000 buying power
  • ALBUQUERQUE/KIRTLAND AFB, NM: E-6 w/dep $2,328/mo, ~$260,000 buying power
  • WHITE SANDS MR/LAS CRUCES, NM: E-6 w/dep $1,929/mo, ~$215,000 buying power
  • HOLLOMAN AFB/ALAMOGORDO, NM: E-6 w/dep $1,869/mo, ~$210,000 buying power

Lowest BAH in Texas

  • CANNON AFB/CLOVIS, NM: E-6 w/dep $1,593/mo, ~$180,000 buying power
  • HOLLOMAN AFB/ALAMOGORDO, NM: E-6 w/dep $1,869/mo, ~$210,000 buying power
  • WHITE SANDS MR/LAS CRUCES, NM: E-6 w/dep $1,929/mo, ~$215,000 buying power
  • ALBUQUERQUE/KIRTLAND AFB, NM: E-6 w/dep $2,328/mo, ~$260,000 buying power

The Bottom Line Up Front

New Mexico BAH rates vary by more than $1,821 per month at E-6 with dependents. The highest rate is $3,414 (SANTA FE/LOS ALAMOS, NM) and the lowest is $1,593 (CANNON AFB/CLOVIS, NM). That spread translates to a buying-power difference of roughly $200,000 at current VA loan terms.

How to Use New Mexico BAH Rates for a VA Loan

  • Verify your BAH on your LES. The lender must verify the BAH amount before counting it as income. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH
  • Confirm your MHA. Your BAH is set by the Military Housing Area assigned to your duty station, not your home address. 37 USC 403(b)(2)
  • Ask about the gross-up. Because BAH is tax free, lenders may count it at 125 percent for the debt-to-income ratio. VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio
  • Compare the buying-power estimates. Use the table above to see how your MHA and rank translate to an approximate home price, then get a personalized preapproval from a VA lender.

What to Do Based on Your Situation

  • PCS-ing to New Mexico: Your BAH changes to the gaining station’s MHA rate. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH Use the new rate with your orders to start a preapproval before you arrive.
  • Already stationed in New Mexico: Your BAH amount may not be reduced while you retain uninterrupted eligibility within the area, even if published rates drop. 37 USC 403(b)(6)
  • Separating from service: BAH stops when active-duty status ends. If you plan to buy before separation, verify the BAH amount on your current LES and close while you are still receiving it. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH

New Mexico Housing Costs and BAH Impact

New York is home to one of the widest housing cost ranges in the country. However, in New York City, Long Island, and Westchester County, service members may face out-of-pocket housing costs even with BAH. In 2026, increases were highest in downstate ZIPs to reflect market growth in Manhattan and surrounding suburbs.

BAH is one piece of the income picture. When you apply for a VA loan, the lender evaluates your debt-to-income ratio and residual income alongside your housing allowance. Because BAH is excluded from gross income, lenders may count it at 125 percent for the debt-to-income ratio. 26 USC 134(a) VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio

For a broader look at homebuying in this state, see the New Mexico VA loan guide.

Explore More BAH Insights

New Mexico BAH Rates by Military Housing Area

Each block below holds the full pay-grade table, buying power by rank, and, when available, ZIP codes. Buying power assumes 6.5 percent rate, 30-year term, 2.15 percent VA funding fee financed, zero down payment, New Mexico property tax at 0.67 percent (2023 ACS), homeowners insurance at 0.52 percent of home value (2022 III/NAIC), and PITI capped at 83 percent of BAH with dependents (VALN assumption, not a VA or DoD rule).

HOLLOMAN AFB/ALAMOGORDO, NM (MHA NM205): E-5 w/dep $1,590, E-6 w/dep $1,869, ~$210,000 buying power

HOLLOMAN AFB/ALAMOGORDO, NM BAH Rates

Table 2. 2026 BAH rates for HOLLOMAN AFB/ALAMOGORDO, NM
Grade With Dependents Without Dependents
E-1 $1,419 $1,131
E-2 $1,419 $1,131
E-3 $1,419 $1,131
E-4 $1,419 $1,131
E-5 $1,590 $1,197
E-6 $1,869 $1,401
E-7 $1,890 $1,425
E-8 $1,899 $1,650
E-9 $1,980 $1,725
W-1 $1,887 $1,416
W-2 $1,896 $1,647
W-3 $1,908 $1,737
W-4 $2,007 $1,863
W-5 $2,136 $1,881
O-1E $1,893 $1,587
O-2E $1,902 $1,710
O-3E $2,028 $1,860
O-1 $1,632 $1,245
O-2 $1,866 $1,536
O-3 $1,905 $1,764
O-4 $2,175 $1,869
O-5 $2,376 $1,884
O-6 $2,394 $1,887
O-7 $2,406 $1,911

HOLLOMAN AFB/ALAMOGORDO, NM Buying Power

  • E-5 w/dep ($1,590): ~$175,000 home, PITI ~$1,303/mo
  • E-6 w/dep ($1,869): ~$210,000 home, PITI ~$1,564/mo
  • E-7 w/dep ($1,890): ~$210,000 home, PITI ~$1,564/mo
  • O-3 w/dep ($1,905): ~$210,000 home, PITI ~$1,564/mo
ALBUQUERQUE/KIRTLAND AFB, NM (MHA NM206): E-5 w/dep $2,211, E-6 w/dep $2,328, ~$260,000 buying power

ALBUQUERQUE/KIRTLAND AFB, NM BAH Rates

Table 3. 2026 BAH rates for ALBUQUERQUE/KIRTLAND AFB, NM
Grade With Dependents Without Dependents
E-1 $1,992 $1,557
E-2 $1,992 $1,557
E-3 $1,992 $1,557
E-4 $1,992 $1,557
E-5 $2,211 $1,689
E-6 $2,328 $1,794
E-7 $2,352 $2,001
E-8 $2,379 $2,241
E-9 $2,472 $2,265
W-1 $2,343 $1,926
W-2 $2,361 $2,238
W-3 $2,400 $2,271
W-4 $2,502 $2,325
W-5 $2,631 $2,355
O-1E $2,355 $2,208
O-2E $2,391 $2,259
O-3E $2,520 $2,316
O-1 $2,235 $1,770
O-2 $2,325 $2,142
O-3 $2,397 $2,280
O-4 $2,670 $2,343
O-5 $2,871 $2,358
O-6 $2,892 $2,376
O-7 $2,910 $2,415

ALBUQUERQUE/KIRTLAND AFB, NM Buying Power

  • E-5 w/dep ($2,211): ~$245,000 home, PITI ~$1,825/mo
  • E-6 w/dep ($2,328): ~$260,000 home, PITI ~$1,937/mo
  • E-7 w/dep ($2,352): ~$260,000 home, PITI ~$1,937/mo
  • O-3 w/dep ($2,397): ~$265,000 home, PITI ~$1,974/mo
CANNON AFB/CLOVIS, NM (MHA NM207): E-5 w/dep $1,365, E-6 w/dep $1,593, ~$180,000 buying power

CANNON AFB/CLOVIS, NM BAH Rates

Table 4. 2026 BAH rates for CANNON AFB/CLOVIS, NM
Grade With Dependents Without Dependents
E-1 $1,260 $1,050
E-2 $1,260 $1,050
E-3 $1,260 $1,050
E-4 $1,260 $1,050
E-5 $1,365 $1,107
E-6 $1,593 $1,194
E-7 $1,695 $1,272
E-8 $1,806 $1,416
E-9 $1,890 $1,476
W-1 $1,611 $1,236
W-2 $1,740 $1,413
W-3 $1,878 $1,485
W-4 $1,893 $1,611
W-5 $1,917 $1,719
O-1E $1,713 $1,362
O-2E $1,857 $1,461
O-3E $1,896 $1,584
O-1 $1,401 $1,152
O-2 $1,590 $1,335
O-3 $1,875 $1,506
O-4 $1,920 $1,695
O-5 $1,944 $1,755
O-6 $1,956 $1,857
O-7 $1,968 $1,887

CANNON AFB/CLOVIS, NM Buying Power

  • E-5 w/dep ($1,365): ~$150,000 home, PITI ~$1,117/mo
  • E-6 w/dep ($1,593): ~$180,000 home, PITI ~$1,341/mo
  • E-7 w/dep ($1,695): ~$190,000 home, PITI ~$1,415/mo
  • O-3 w/dep ($1,875): ~$210,000 home, PITI ~$1,564/mo
WHITE SANDS MR/LAS CRUCES, NM (MHA NM209): E-5 w/dep $1,701, E-6 w/dep $1,929, ~$215,000 buying power

WHITE SANDS MR/LAS CRUCES, NM BAH Rates

Table 5. 2026 BAH rates for WHITE SANDS MR/LAS CRUCES, NM
Grade With Dependents Without Dependents
E-1 $1,503 $1,155
E-2 $1,503 $1,155
E-3 $1,503 $1,155
E-4 $1,503 $1,155
E-5 $1,701 $1,275
E-6 $1,929 $1,443
E-7 $1,983 $1,509
E-8 $2,043 $1,752
E-9 $2,127 $1,809
W-1 $1,944 $1,458
W-2 $2,007 $1,749
W-3 $2,085 $1,821
W-4 $2,142 $1,932
W-5 $2,220 $1,995
O-1E $1,989 $1,698
O-2E $2,070 $1,797
O-3E $2,154 $1,917
O-1 $1,737 $1,302
O-2 $1,926 $1,638
O-3 $2,082 $1,842
O-4 $2,241 $1,977
O-5 $2,358 $2,007
O-6 $2,376 $2,061
O-7 $2,388 $2,094

WHITE SANDS MR/LAS CRUCES, NM Buying Power

  • E-5 w/dep ($1,701): ~$190,000 home, PITI ~$1,415/mo
  • E-6 w/dep ($1,929): ~$215,000 home, PITI ~$1,601/mo
  • E-7 w/dep ($1,983): ~$220,000 home, PITI ~$1,639/mo
  • O-3 w/dep ($2,082): ~$230,000 home, PITI ~$1,713/mo
SANTA FE/LOS ALAMOS, NM (MHA NM210): E-5 w/dep $2,964, E-6 w/dep $3,414, ~$380,000 buying power

SANTA FE/LOS ALAMOS, NM BAH Rates

Table 6. 2026 BAH rates for SANTA FE/LOS ALAMOS, NM
Grade With Dependents Without Dependents
E-1 $2,637 $1,977
E-2 $2,637 $1,977
E-3 $2,637 $1,977
E-4 $2,637 $1,977
E-5 $2,964 $2,223
E-6 $3,414 $2,562
E-7 $3,522 $2,652
E-8 $3,639 $3,057
E-9 $3,762 $3,189
W-1 $3,435 $2,577
W-2 $3,570 $3,054
W-3 $3,714 $3,204
W-4 $3,780 $3,435
W-5 $3,870 $3,546
O-1E $3,540 $2,961
O-2E $3,690 $3,159
O-3E $3,795 $3,408
O-1 $3,024 $2,310
O-2 $3,411 $2,856
O-3 $3,711 $3,249
O-4 $3,891 $3,522
O-5 $4,023 $3,585
O-6 $4,056 $3,693
O-7 $4,086 $3,756

SANTA FE/LOS ALAMOS, NM Buying Power

  • E-5 w/dep ($2,964): ~$330,000 home, PITI ~$2,458/mo
  • E-6 w/dep ($3,414): ~$380,000 home, PITI ~$2,830/mo
  • E-7 w/dep ($3,522): ~$390,000 home, PITI ~$2,905/mo
  • O-3 w/dep ($3,711): ~$415,000 home, PITI ~$3,091/mo

VA Loans Near New Mexico Military Bases

New Mexico BAH rates for an E-6 with dependents range from $1,593/month (CANNON AFB/CLOVIS, NM) to $3,414/month (SANTA FE/LOS ALAMOS, NM). That translates to estimated buying power from ~$180,000 to ~$380,000 at current VA loan terms.

Frequently Asked Questions

Can I use BAH to qualify for a VA loan?

Yes. BAH is included in effective income if properly verified. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH Because BAH is tax free, lenders may count it at 125 percent for the debt-to-income ratio, a 25 percent gross-up. VA Pamphlet 26-7 Ch. 4, Debt-to-Income Ratio

Does BAH change when I PCS?

Your BAH rate is based on the MHA of your duty station. The BAH amount changes from one duty station to another. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH Rate protection means the monthly amount may not be reduced while the member retains uninterrupted eligibility within an area. 37 USC 403(b)(6)

What is the difference between with-dependents and without-dependents BAH?

The statute establishes separate rates for members with and without dependents. 37 USC 403(b)(5) With-dependents rates are higher at every grade in every MHA.

How many MHAs are in New Mexico?

New Mexico has 5 Military Housing Areas. The Secretary of Defense determines the costs of adequate housing in each area. 37 USC 403(b)(2)

Which New Mexico MHA has the highest BAH?

SANTA FE/LOS ALAMOS, NM has the highest E-6 with-dependents rate at $3,414 per month, translating to roughly $380,000 in buying power.

Which New Mexico MHA has the lowest BAH?

CANNON AFB/CLOVIS, NM has the lowest E-6 with-dependents rate at $1,593 per month, translating to roughly $180,000 in buying power.

How is buying power calculated?

Buying power assumes 6.5 percent rate, 30-year term, 2.15 percent VA funding fee financed, zero down payment, New Mexico property tax at 0.67 percent (2023 ACS), homeowners insurance at 0.52 percent of home value (2022 III/NAIC), and PITI capped at 83 percent of BAH with dependents (VALN assumption, not a VA or DoD rule).

Is BAH the same as housing allowance on my LES?

Yes. Military allowances including BAH are documented on the LES. VA Pamphlet 26-7 Ch. 4, Analysis of Military Quarters Allowance/BAH The amount matches the published DoD rate for your MHA, grade, and dependency status.

How We Researched This Page

BAH rates are from the 2026 DoD BAH rate tables. Buying power is derived using the documented assumptions: Buying power assumes 6.5 percent rate, 30-year term, 2.15 percent VA funding fee financed, zero down payment, New Mexico property tax at 0.67 percent (2023 ACS), homeowners insurance at 0.52 percent of home value (2022 III/NAIC), and PITI capped at 83 percent of BAH with dependents (VALN assumption, not a VA or DoD rule). These figures are estimates for comparison, not loan quotes or approvals.

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