United States · BAH 2026 · New Mexico
Santa Fe/Los Alamos, NM BAH rates 2026
In Santa Fe/Los Alamos, NM, 2026 BAH runs from $1,977 a month (E-1 without dependents) to $4,086 (O-7 and above with dependents). An E-5 with dependents gets $2,964 a month, not taxed.
Santa Fe/Los Alamos, NM · E-5 · with dependents
$2,964 a month
$35,568 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,637 | $1,977 |
| E-2 | $2,637 | $1,977 |
| E-3 | $2,637 | $1,977 |
| E-4 | $2,637 | $1,977 |
| E-5 | $2,964 | $2,223 |
| E-6 | $3,414 | $2,562 |
| E-7 | $3,522 | $2,652 |
| E-8 | $3,639 | $3,057 |
| E-9 | $3,762 | $3,189 |
| W-1 | $3,435 | $2,577 |
| W-2 | $3,570 | $3,054 |
| W-3 | $3,714 | $3,204 |
| W-4 | $3,780 | $3,435 |
| W-5 | $3,870 | $3,546 |
| O-1E | $3,540 | $2,961 |
| O-2E | $3,690 | $3,159 |
| O-3E | $3,795 | $3,408 |
| O-1 | $3,024 | $2,310 |
| O-2 | $3,411 | $2,856 |
| O-3 | $3,711 | $3,249 |
| O-4 | $3,891 | $3,522 |
| O-5 | $4,023 | $3,585 |
| O-6 | $4,056 | $3,693 |
| O-7 and above | $4,086 | $3,756 |
What is take-home pay with BAH in Santa Fe/Los Alamos, NM?
Monthly pay for four people stationed here in 2026. BAH and BAS are not taxed; federal income tax, Social Security and Medicare come off basic pay. New Mexico does not tax a resident’s active-duty pay, so no state tax comes off.
| E-4, over 3 years, no dependents (single) | E-4, over 3 years, with dependents (married) | O-3, over 4 years, no dependents (single) | O-3, over 4 years, with dependents (married) | |
|---|---|---|---|---|
| Basic pay | $3,482.40 | $3,482.40 | $7,382.70 | $7,382.70 |
| BAH | $1,977.00 | $2,637.00 | $3,249.00 | $3,711.00 |
| BAS | $476.95 | $476.95 | $328.48 | $328.48 |
| Federal tax, Social Security and Medicare | −$502.62 | −$346.31 | −$1,453.14 | −$1,087.37 |
| State income tax | none | none | none | none |
| Take-home a month | $5,433.73 | $6,250.04 | $9,507.04 | $10,334.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in Santa Fe/Los Alamos, NM?
DTMO’s 2026 list maps 21 ZIP codes to this housing area (NM210). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
87010, 87015, 87056, 87501, 87502, 87503, 87504, 87505, 87506, 87507, 87508, 87509, 87535, 87540, 87544, 87545, 87547, 87567, 87574, 87592, 87594
How does Santa Fe/Los Alamos, NM BAH compare?
For an E-5 with dependents, Santa Fe/Los Alamos, NM pays $2,964 a month: number 53 of 338 housing areas, and $903 above the middle of all areas ($2,061). Other housing areas in New Mexico:
- Albuquerque/Kirtland AFB, NM E-5 with dependents $2,211
- Cannon AFB/Clovis, NM E-5 with dependents $1,365
- Holloman AFB/Alamogordo, NM E-5 with dependents $1,590
- White Sands MR/Las Cruces, NM E-5 with dependents $1,701
Every housing area: BAH rates by location.
What does this leave out?
- BAH II, partial BAH and BAH-Differential, and rate protection (a member keeps a higher earlier rate while stationed in the same place).
- Special pays, deductions such as TSP and SGLI, and anything outside the 50 states (the Overseas Housing Allowance).
- In the take-home examples: local taxes and changes during the year.
What else can I work out?
- BAH calculator Your BAH from any ZIP code, with a second ZIP to compare for a move.
- Military pay calculator Basic pay, BAH, BAS and take-home pay for your rank, years of service, ZIP code and home state.
- Military pay chart 2026 Monthly basic pay for every grade, E-1 to O-10, at every length of service.
- New Mexico minimum wage The New Mexico minimum wage for 2026 and 2027, with full-time pay.
- New Mexico paycheck calculator Take-home pay for a civilian job in New Mexico, after federal and state tax.
Questions about BAH in Santa Fe/Los Alamos, NM
What is E-5 BAH in Santa Fe/Los Alamos, NM for 2026?
$2,964 a month with dependents and $2,223 without ($35,568 and $26,676 a year). That ranks 53 of the 338 housing areas for an E-5 with dependents; the middle of all areas is $2,061.
What is O-3 BAH in Santa Fe/Los Alamos, NM?
An O-3 gets $3,711 a month with dependents and $3,249 without in 2026. A W-2 gets $3,570 and $3,054.
How much BAH does an E-1 get in Santa Fe/Los Alamos, NM?
$2,637 a month with dependents and $1,977 without. E-1 to E-4 get the same rates here.
Which ZIP codes use Santa Fe/Los Alamos, NM BAH rates?
21 ZIP codes in DTMO’s 2026 list map to this housing area (NM210): 87010, 87015, 87056, 87501, 87502 and 16 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in Santa Fe/Los Alamos, NM taxed?
No: BAH and BAS are not taxable income, so tax comes off basic pay only. For example, an E-4 with over 3 years and no dependents gets $5,936.35 a month here with allowances and takes home about $5,433.73. New Mexico does not tax a resident’s active-duty pay, so no state tax comes off.
When will Santa Fe/Los Alamos, NM BAH change?
The 2026 rates apply until December 31, 2026. The Defense Department normally announces the 2027 rates in mid-December, to start on January 1, 2027.