White Sands Mr/Las Cruces, NM BAH Rates
2026 Basic Allowance for Housing rates for White Sands Mr/Las Cruces, New Mexico (MHA: NM209).
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 (Private/Seaman Recruit) | $1,503 | $1,155 |
| E-2 (Private/Seaman Apprentice) | $1,503 | $1,155 |
| E-3 (PFC/Seaman) | $1,503 | $1,155 |
| E-4 (Specialist/Corporal) | $1,503 | $1,155 |
| E-5 (Sergeant) | $1,701 | $1,275 |
| E-6 (Staff Sergeant) | $1,929 | $1,443 |
| E-7 (Sergeant First Class) | $1,983 | $1,509 |
| E-8 (Master Sergeant) | $2,043 | $1,752 |
| E-9 (Sergeant Major) | $2,127 | $1,809 |
| W-1 (Warrant Officer) | $1,944 | $1,458 |
| W-2 (Chief Warrant Officer 2) | $2,007 | $1,749 |
| W-3 (Chief Warrant Officer 3) | $2,085 | $1,821 |
| W-4 (Chief Warrant Officer 4) | $2,142 | $1,932 |
| W-5 (Chief Warrant Officer 5) | $2,220 | $1,995 |
| O-1E (2LT/ENS w/ >4yr Enlisted) | $1,989 | $1,698 |
| O-2E (1LT/LTJG w/ >4yr Enlisted) | $2,070 | $1,797 |
| O-3E (CPT/LT w/ >4yr Enlisted) | $2,154 | $1,917 |
| O-1 (Second Lieutenant/Ensign) | $1,737 | $1,302 |
| O-2 (First Lieutenant/LTJG) | $1,926 | $1,638 |
| O-3 (Captain/Lieutenant) | $2,082 | $1,842 |
| O-4 (Major/LCDR) | $2,241 | $1,977 |
| O-5 (Lieutenant Colonel/CDR) | $2,358 | $2,007 |
| O-6 (Colonel/Captain) | $2,376 | $2,061 |
| O-7 (Brigadier General/RDML) | $2,388 | $2,094 |
White Sands Mr/Las Cruces, NM — BAH Rate Snapshot
2026 monthly BAH rates with dependents across key pay grades. Rates range from $1,503 to $2,358 — a $855 spread.
Highlighted bars show commonly referenced pay grades (E-5, O-3). All rates are 2026 DoD BAH figures for White Sands Mr/Las Cruces, NM.
BAH Rate History (Estimated)
BAH Rate History — E-5 in White Sands Mr/Las Cruces, NM
With Dependents • 2022–2026 (+$390 / +29.7%)
* Rates sourced from official DoD BAH rate publications for each year.
White Sands Mr/Las Cruces vs. Nearby NM Duty Stations
E-5 with dependents BAH comparison. White Sands Mr/Las Cruces ranks #3 — $1,263/mo less than Santa Fe/Los Alamos.
About BAH in White Sands Mr/Las Cruces, NM
The 2026 Basic Allowance for Housing rate for White Sands Mr/Las Cruces, New Mexico reflects the local cost of rental housing in the NM209 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 White Sands Mr/Las Cruces, the monthly BAH rate is $1,701, which comes to $20,412 per year. Without dependents, the same pay grade receives $1,275 per month.
BAH Rates by Rank in White Sands Mr/Las Cruces
View White Sands Mr/Las Cruces 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 White Sands Mr/Las Cruces 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 White Sands Mr/Las Cruces rates changed from 2022 to 2026
- Compare BAH rates — Compare White Sands Mr/Las Cruces with another duty station
- All New Mexico duty stations