Santa Fe/Los Alamos, NM BAH Rates
2026 Basic Allowance for Housing rates for Santa Fe/Los Alamos, New Mexico (MHA: NM210).
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 (Private/Seaman Recruit) | $2,637 | $1,977 |
| E-2 (Private/Seaman Apprentice) | $2,637 | $1,977 |
| E-3 (PFC/Seaman) | $2,637 | $1,977 |
| E-4 (Specialist/Corporal) | $2,637 | $1,977 |
| E-5 (Sergeant) | $2,964 | $2,223 |
| E-6 (Staff Sergeant) | $3,414 | $2,562 |
| E-7 (Sergeant First Class) | $3,522 | $2,652 |
| E-8 (Master Sergeant) | $3,639 | $3,057 |
| E-9 (Sergeant Major) | $3,762 | $3,189 |
| W-1 (Warrant Officer) | $3,435 | $2,577 |
| W-2 (Chief Warrant Officer 2) | $3,570 | $3,054 |
| W-3 (Chief Warrant Officer 3) | $3,714 | $3,204 |
| W-4 (Chief Warrant Officer 4) | $3,780 | $3,435 |
| W-5 (Chief Warrant Officer 5) | $3,870 | $3,546 |
| O-1E (2LT/ENS w/ >4yr Enlisted) | $3,540 | $2,961 |
| O-2E (1LT/LTJG w/ >4yr Enlisted) | $3,690 | $3,159 |
| O-3E (CPT/LT w/ >4yr Enlisted) | $3,795 | $3,408 |
| O-1 (Second Lieutenant/Ensign) | $3,024 | $2,310 |
| O-2 (First Lieutenant/LTJG) | $3,411 | $2,856 |
| O-3 (Captain/Lieutenant) | $3,711 | $3,249 |
| O-4 (Major/LCDR) | $3,891 | $3,522 |
| O-5 (Lieutenant Colonel/CDR) | $4,023 | $3,585 |
| O-6 (Colonel/Captain) | $4,056 | $3,693 |
| O-7 (Brigadier General/RDML) | $4,086 | $3,756 |
Santa Fe/Los Alamos, NM — BAH Rate Snapshot
2026 monthly BAH rates with dependents across key pay grades. Rates range from $2,637 to $4,023 — a $1,386 spread.
Highlighted bars show commonly referenced pay grades (E-5, O-3). All rates are 2026 DoD BAH figures for Santa Fe/Los Alamos, NM.
BAH Rate History (Estimated)
BAH Rate History — E-5 in Santa Fe/Los Alamos, NM
With Dependents • 2022–2026 (+$1,152 / +63.6%)
* Rates sourced from official DoD BAH rate publications for each year.
Santa Fe/Los Alamos vs. Nearby NM Duty Stations
E-5 with dependents BAH comparison. Santa Fe/Los Alamos has the highest rate among compared stations.
About BAH in Santa Fe/Los Alamos, NM
The 2026 Basic Allowance for Housing rate for Santa Fe/Los Alamos, New Mexico reflects the local cost of rental housing in the NM210 Military Housing Area. BAH rates are determined by surveying rental costs for various housing profiles in the area.
For an E-5 with dependents stationed in Santa Fe/Los Alamos, the monthly BAH rate is $2,964, which comes to $35,568 per year. Without dependents, the same pay grade receives $2,223 per month.
BAH Rates by Rank in Santa Fe/Los Alamos
View Santa Fe/Los Alamos BAH rates broken down by specific pay grade: E-5 BAH rates, E-6 BAH rates, E-7 BAH rates, O-3 BAH rates, or browse all pay grades.
Using BAH Toward a VA Home Loan
Many service members in Santa Fe/Los Alamos use their BAH to cover mortgage payments on a VA home loan. Use our BAH affordability tool to see what you can afford. Since BAH is non-taxable, it can stretch further than equivalent taxable income when qualifying for a mortgage.
Related Resources
- Historical BAH rates — See how Santa Fe/Los Alamos rates changed from 2022 to 2026
- Compare BAH rates — Compare Santa Fe/Los Alamos with another duty station
- All New Mexico duty stations