O-3 BAH Rates in ALBUQUERQUE/KIRTLAND AFB, NM (2026)

With Dependents
$2,397
per month
Without Dependents
$2,280
per month
Total Comp (w/ dep)
$10,462.48
base + BAH + BAS

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 AFBNational AvgDifference
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:

ComponentWith DependentsWithout 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

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.

View all New Mexico BAH rates →