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Santa Fe/Los Alamos, NM BAH rates 2026

An E-5 with dependents receives $2,964 a month, $2,223 without. Rates for every grade below, tax-free and paid monthly.

$2,964E-5 with dependents
$2,223E-5 without dependents
$2,637E-1 to E-4 with dependents (lowest rate)
$3,711O-3 with dependents

The E-5 rate here is $846 above the typical US housing area ($2,118), and ranks 248 of 299 from lowest to highest. Housing area code NM210, covering 21 ZIP codes.

Enlisted

GradeWith dependentsWithoutDifference
E-1$2,637$1,977+$660
E-2$2,637$1,977+$660
E-3$2,637$1,977+$660
E-4$2,637$1,977+$660
E-5$2,964$2,223+$741
E-6$3,414$2,562+$852
E-7$3,522$2,652+$870
E-8$3,639$3,057+$582
E-9$3,762$3,189+$573

Warrant officers

GradeWith dependentsWithoutDifference
W-1$3,435$2,577+$858
W-2$3,570$3,054+$516
W-3$3,714$3,204+$510
W-4$3,780$3,435+$345
W-5$3,870$3,546+$324

Officers

GradeWith dependentsWithoutDifference
O-1$3,024$2,310+$714
O-2$3,411$2,856+$555
O-3$3,711$3,249+$462
O-4$3,891$3,522+$369
O-5$4,023$3,585+$438
O-6$4,056$3,693+$363
O-7$4,086$3,756+$330

Officers with prior enlisted service

GradeWith dependentsWithoutDifference
O-1E$3,540$2,961+$579
O-2E$3,690$3,159+$531
O-3E$3,795$3,408+$387

O-8 and above receive the O-7 rate. Monthly amounts, effective January 1, 2026. Source: Defense Travel Management Office 2026 BAH rate files.

Total pay for an E-5 here

An E-5 with over 6 years of service and dependents stationed in this housing area receives $4,110.00 in basic pay, $2,964 in BAH and $476.95 in BAS, for $7,550.95 a month. The BAH and BAS part, $3,440.95, is not taxed. Work out your own total or your take-home pay.

ZIP codes in this housing area

Includes 87010, 87015, 87056, 87501, 87502, 87503, 87504, 87505, 87506, 87507, 87508, 87509 and 9 more. BAH is based on the ZIP code of your duty station, not where you choose to live. Look up a ZIP code.

Common questions

What is BAH for an E-5 at Santa Fe/Los Alamos? $2,964 a month with dependents and $2,223 without, in 2026. That is $35,568 a year, tax-free.

How much is BAH for an E-4 at Santa Fe/Los Alamos? $2,637 a month with dependents and $1,977 without.

How much is BAH for an O-3 at Santa Fe/Los Alamos? $3,711 a month with dependents and $3,249 without.

What is the GI Bill housing allowance near Santa Fe/Los Alamos? For a full-time student attending classes in person at a school in this housing area, the Post-9/11 GI Bill pays the E-5 with-dependents rate: $2,964 a month in 2026.

When do 2027 BAH rates come out? Usually in mid-December. They take effect January 1, and rate protection keeps your current amount if the new rate is lower.