United States · BAH 2026 · New Mexico
White Sands MR/Las Cruces, NM BAH rates 2026
In White Sands MR/Las Cruces, NM, 2026 BAH runs from $1,155 a month (E-1 without dependents) to $2,388 (O-7 and above with dependents). An E-5 with dependents gets $1,701 a month, not taxed.
White Sands MR/Las Cruces, NM · E-5 · with dependents
$1,701 a month
$20,412 a year, not taxed.
| Grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,503 | $1,155 |
| E-2 | $1,503 | $1,155 |
| E-3 | $1,503 | $1,155 |
| E-4 | $1,503 | $1,155 |
| E-5 | $1,701 | $1,275 |
| E-6 | $1,929 | $1,443 |
| E-7 | $1,983 | $1,509 |
| E-8 | $2,043 | $1,752 |
| E-9 | $2,127 | $1,809 |
| W-1 | $1,944 | $1,458 |
| W-2 | $2,007 | $1,749 |
| W-3 | $2,085 | $1,821 |
| W-4 | $2,142 | $1,932 |
| W-5 | $2,220 | $1,995 |
| O-1E | $1,989 | $1,698 |
| O-2E | $2,070 | $1,797 |
| O-3E | $2,154 | $1,917 |
| O-1 | $1,737 | $1,302 |
| O-2 | $1,926 | $1,638 |
| O-3 | $2,082 | $1,842 |
| O-4 | $2,241 | $1,977 |
| O-5 | $2,358 | $2,007 |
| O-6 | $2,376 | $2,061 |
| O-7 and above | $2,388 | $2,094 |
What is take-home pay with BAH in White Sands MR/Las Cruces, 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 | $1,155.00 | $1,503.00 | $1,842.00 | $2,082.00 |
| 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 | $4,611.73 | $5,116.04 | $8,100.04 | $8,705.81 |
Change the rank, years of service or state in the military pay calculator.
Which ZIP codes are in White Sands MR/Las Cruces, NM?
DTMO’s 2026 list maps 30 ZIP codes to this housing area (NM209). BAH is set by the ZIP code of your duty station. The area name is DTMO’s own.
87936, 87937, 87940, 87941, 88001, 88002, 88003, 88004, 88005, 88006, 88007, 88008, 88011, 88012, 88013, 88021, 88024, 88027, 88032, 88033, 88044, 88046, 88047, 88048, 88052, 88054, 88058, 88063, 88072, 88081
How does White Sands MR/Las Cruces, NM BAH compare?
For an E-5 with dependents, White Sands MR/Las Cruces, NM pays $1,701 a month: number 241 of 338 housing areas, and $360 below 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
- Santa Fe/Los Alamos, NM E-5 with dependents $2,964
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 White Sands MR/Las Cruces, NM
What is E-5 BAH in White Sands MR/Las Cruces, NM for 2026?
$1,701 a month with dependents and $1,275 without ($20,412 and $15,300 a year). That ranks 241 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 White Sands MR/Las Cruces, NM?
An O-3 gets $2,082 a month with dependents and $1,842 without in 2026. A W-2 gets $2,007 and $1,749.
How much BAH does an E-1 get in White Sands MR/Las Cruces, NM?
$1,503 a month with dependents and $1,155 without. E-1 to E-4 get the same rates here.
Which ZIP codes use White Sands MR/Las Cruces, NM BAH rates?
30 ZIP codes in DTMO’s 2026 list map to this housing area (NM209): 87936, 87937, 87940, 87941, 88001 and 25 more. BAH follows the ZIP code of your duty station, not where you live.
Is BAH in White Sands MR/Las Cruces, 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 $5,114.35 a month here with allowances and takes home about $4,611.73. New Mexico does not tax a resident’s active-duty pay, so no state tax comes off.
When will White Sands MR/Las Cruces, 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.