Updated February 2026

BAH Rates Santa Fe/Los Alamos, NM 2026 — Basic Allowance for Housing

Monthly Basic Allowance for Housing rates for the Santa Fe/Los Alamos military housing area (MHA: NM210), effective January 1, 2026. Use the BAH calculator to estimate your total housing allowance.

Find BAH Rates by ZIP Code

E-5 with Dependents

$2,964

$35,568/year

E-5 without Dependents

$2,223

$26,676/year

O-3 with Dependents

$3,711

$44,532/year

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$2,637	$31,644
E-2	$2,637	$31,644
E-3	$2,637	$31,644
E-4	$2,637	$31,644
E-5	$2,964	$35,568
E-6	$3,414	$40,968
E-7	$3,522	$42,264
E-8	$3,639	$43,668
E-9	$3,762	$45,144
Warrant Officer
W-1	$3,435	$41,220
W-2	$3,570	$42,840
W-3	$3,714	$44,568
W-4	$3,780	$45,360
W-5	$3,870	$46,440
Commissioned Officer (Prior Enlisted)
O-1E	$3,540	$42,480
O-2E	$3,690	$44,280
O-3E	$3,795	$45,540
Commissioned Officer
O-1	$3,024	$36,288
O-2	$3,411	$40,932
O-3	$3,711	$44,532
O-4	$3,891	$46,692
O-5	$4,023	$48,276
O-6	$4,056	$48,672
O-7	$4,086	$49,032

Pay Grade	Monthly Rate	Annual Rate
Enlisted
E-1	$1,977	$23,724
E-2	$1,977	$23,724
E-3	$1,977	$23,724
E-4	$1,977	$23,724
E-5	$2,223	$26,676
E-6	$2,562	$30,744
E-7	$2,652	$31,824
E-8	$3,057	$36,684
E-9	$3,189	$38,268
Warrant Officer
W-1	$2,577	$30,924
W-2	$3,054	$36,648
W-3	$3,204	$38,448
W-4	$3,435	$41,220
W-5	$3,546	$42,552
Commissioned Officer (Prior Enlisted)
O-1E	$2,961	$35,532
O-2E	$3,159	$37,908
O-3E	$3,408	$40,896
Commissioned Officer
O-1	$2,310	$27,720
O-2	$2,856	$34,272
O-3	$3,249	$38,988
O-4	$3,522	$42,264
O-5	$3,585	$43,020
O-6	$3,693	$44,316
O-7	$3,756	$45,072

9 ZIP codes assigned to this MHA

The following ZIP codes are assigned to the Santa Fe/Los Alamos (NM210) Military Housing Area:

87010 87015 87056 87501 87505 87535 87540 87544 87567

Frequently Asked Questions

What is the BAH rate for an E-5 in Santa Fe/Los Alamos?

The 2026 BAH rate for an E-5 with dependents in Santa Fe/Los Alamos, NM is $2,964 per month ($35,568 per year). Without dependents, the rate is $2,223 per month.

How many ZIP codes are in the Santa Fe/Los Alamos MHA?

The Santa Fe/Los Alamos Military Housing Area (NM210) includes 9 ZIP codes.

What is BAH and how is it calculated?

Basic Allowance for Housing (BAH) is a U.S. military benefit that provides service members with housing compensation based on their duty station location, pay grade, and dependency status. Rates are set annually by the Department of Defense based on local rental market data.

Data Sources

Defense Travel Management Office — BAH Rates
Rates effective January 1, 2026

Last verified: February 2026

What's Next?

Calculate Total Pay See your full compensation: Base Pay + BAH + BAS Calculate → Take-Home Pay Calculate net pay after taxes and deductions Calculate → GI Bill Benefits BAH determines your GI Bill housing allowance Calculate →

Popular BAH Locations

San Diego, CA$3,975 Norfolk, VA$2,430 San Antonio, TX$1,869 Fort Bragg, NC$1,806 Colorado Springs, CO$2,358 Jacksonville, FL$2,181 Honolulu, HI$3,663 Tacoma, WA$2,556

View all New Mexico BAH rates →

How Santa Fe/Los Alamos, NM BAH compares nationally

BAH for Santa Fe/Los Alamos, NM runs above the national average: $2,964/mo for an E-5 with dependents versus a $2,289 average across all 299 MHAs (52nd overall, 29.5% above average).

Within the state, this is the highest-rate MHA of 5; the lowest is Cannon AFB/Clovis, NM at $1,365/mo for the same E-5 — a $1,599 monthly spread that matters if you have any say in your assignment.

Across enlisted grades here, having dependents adds an average of $695/mo (30%) to the allowance. The with/without-dependents gap is set per location, so it differs from base to base — use the tables above for your exact grade.

Comparisons computed from the official 2026 BAH rate file across all 299 market-priced MHAs (county cost groups excluded). Benchmark grade: E-5 with dependents.