O-3 BAH Rates in ALBUQUERQUE/KIRTLAND AFB, NM (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in ALBUQUERQUE/KIRTLAND AFB, NM is $2,397 per month with dependents and $2,280 per month without dependents. This rate is $462 below 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 ALBUQUERQUE/KIRTLAND AFB is approximately $10,462.48 with dependents or $10,345.48 without.
O-3 BAH: ALBUQUERQUE/KIRTLAND AFB vs National Average
| ALBUQUERQUE/KIRTLAND AFB | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $2,397 | $2,859 | $-462 |
| Without Dependents | $2,280 | $2,493 | $-213 |
O-3 Total Monthly Compensation in ALBUQUERQUE/KIRTLAND AFB
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in ALBUQUERQUE/KIRTLAND AFB:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $2,397 | $2,280 |
| BAS | $328.48 | $328.48 |
| Total | $10,462.48 | $10,345.48 |
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 ALBUQUERQUE/KIRTLAND AFB
- E-3 — $1,992/mo
- E-4 — $1,992/mo
- E-5 — $2,211/mo
- E-6 — $2,328/mo
- E-7 — $2,352/mo
- O-1 — $2,235/mo
- O-2 — $2,325/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in ALBUQUERQUE/KIRTLAND AFB?
The 2026 O-3 BAH rate in ALBUQUERQUE/KIRTLAND AFB is $2,397/mo with dependents and $2,280/mo without dependents.
What is the total monthly pay for O-3 in ALBUQUERQUE/KIRTLAND AFB?
An O-3 with 6 years of service in ALBUQUERQUE/KIRTLAND AFB earns approximately $10,462.48/mo total compensation with dependents (base pay $7,737 + BAH $2,397 + BAS $328.48). Without dependents: $10,345.48/mo.
Is ALBUQUERQUE/KIRTLAND AFB BAH above or below average?
O-3 BAH in ALBUQUERQUE/KIRTLAND AFB is $462 below the national average of $2,859/mo with dependents.