O-3 BAH Rates in Santa Fe/Los Alamos, NM (2026)
The 2026 Basic Allowance for Housing (BAH) rate for an O-3 (Captain (CPT)) stationed in Santa Fe/Los Alamos, NM is $3,711 per month with dependents and $3,249 per month without dependents. This rate is $852 above 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 Santa Fe/Los Alamos is approximately $11,776.48 with dependents or $11,314.48 without.
O-3 BAH: Santa Fe/Los Alamos vs National Average
| Santa Fe/Los Alamos | National Avg | Difference | |
|---|---|---|---|
| With Dependents | $3,711 | $2,859 | +$852 |
| Without Dependents | $3,249 | $2,493 | +$756 |
O-3 Total Monthly Compensation in Santa Fe/Los Alamos
Here is how O-3 pay breaks down for a service member with 6 years of service stationed in Santa Fe/Los Alamos:
| Component | With Dependents | Without Dependents |
|---|---|---|
| Base Pay | $7,737 | $7,737 |
| BAH | $3,711 | $3,249 |
| BAS | $328.48 | $328.48 |
| Total | $11,776.48 | $11,314.48 |
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 Santa Fe/Los Alamos
- E-3 — $2,637/mo
- E-4 — $2,637/mo
- E-5 — $2,964/mo
- E-6 — $3,414/mo
- E-7 — $3,522/mo
- O-1 — $3,024/mo
- O-2 — $3,411/mo
Frequently Asked Questions
What is the 2026 BAH rate for O-3 in Santa Fe/Los Alamos?
The 2026 O-3 BAH rate in Santa Fe/Los Alamos is $3,711/mo with dependents and $3,249/mo without dependents.
What is the total monthly pay for O-3 in Santa Fe/Los Alamos?
An O-3 with 6 years of service in Santa Fe/Los Alamos earns approximately $11,776.48/mo total compensation with dependents (base pay $7,737 + BAH $3,711 + BAS $328.48). Without dependents: $11,314.48/mo.
Is Santa Fe/Los Alamos BAH above or below average?
O-3 BAH in Santa Fe/Los Alamos is $852 above the national average of $2,859/mo with dependents.
O-3 BAH in Santa Fe/Los Alamos, NM, in context
An O-3 with dependents in Santa Fe/Los Alamos, NM draws $3,711/mo — 29.8% above the national average of $2,859 for this grade (49th of 299 MHAs). Without dependents the rate is $3,249/mo, a $462 difference.
Promotion changes housing money here: pinning on O-4 raises BAH in this MHA by $180/mo (to $3,891), on top of the base-pay increase.
Computed from the official 2026 BAH rate file across all 299 market-priced MHAs.