BAH Rate Desk2026
Rates effective
01 JAN 2026 · CONUS

Basic Allowance for Housing by duty station, pay grade and dependency status. Official DoD rates, no login, no email.

Duty station or MHA

Try Fort Liberty, Cavazos, Moore or a ZIP — old and unofficial names resolve.

Or type your rank

Press Enter to look it up.

Enlisted
E-1E-2E-3E-4E-5E-6E-7E-8E-9
Warrant
W-1W-2W-3W-4W-5
Prior enl.
O-1EO-2EO-3E
Officer
O-1O-2O-3O-4O-5O-6O-7
Dependents
With $2,211 Without $1,689

E-5 at Albuquerque draws $2,211 per month with dependents in 2026, $1,689 without

Permalink bahratedesk.com/albuquerque-kirtland-afb-nm/ Excel CSV
Albuquerque/Kirtland AFB, NM
E-5 · with dependents
$2,211/ month
$26,532 / year
At E-5, this is #137 of 338 stations · high San Francisco $5,127 · low Anniston $1,185
MHA NM206 · ZIPs 87001 87002 87004 87006 87008 87013 +68 more
Your grade is called ARMYSGTUSMCSgtNAVYPO2USAFSSgt
Untaxed — matching it with taxable pay takes $2,835 / mo gross
Without dependents here $1,689 / mo
In government quarters, no dependents $50.10 / mo partial
PCS compare Albuquerque · E-5 · $2,211/mo
Albuquerque $2,211/mo · $26,532/yr
CURRENT

Pick a station below to see what the move is worth a year, before tax. Orders rarely arrive as one option — add several and rank them.

Differences are annual and untaxed. Rate protection is not applied — a PCS resets you to the new location's current-year rate.

Albuquerque — full sheet Tap a row
GradeWith dep.Without
Enlisted
E-1 $1,992 $1,557
E-2 $1,992 $1,557
E-3 $1,992 $1,557
E-4 $1,992 $1,557
E-5 $2,211 $1,689
E-6 $2,328 $1,794
E-7 $2,352 $2,001
E-8 $2,379 $2,241
E-9 $2,472 $2,265
Warrant officer
W-1 $2,343 $1,926
W-2 $2,361 $2,238
W-3 $2,400 $2,271
W-4 $2,502 $2,325
W-5 $2,631 $2,355
Officer — prior enlisted
O-1E $2,355 $2,208
O-2E $2,391 $2,259
O-3E $2,520 $2,316
Officer
O-1 $2,235 $1,770
O-2 $2,325 $2,142
O-3 $2,397 $2,280
O-4 $2,670 $2,343
O-5 $2,871 $2,358
O-6 $2,892 $2,376
O-7 $2,910 $2,415

What this rate means

E-5 with dependents, nearest stations0 – $5,127 / month
San Francisco $5,127
Pittsburgh $2,283
Dover AFB $2,277
Hampton $2,274
Fort Collins $2,268
Nashville $2,268
County Cost Group 830 $2,250
Austin $2,241
Asheville $2,214
Buffalo $2,214
Rochester $2,214
Albuquerque $2,211
Dahlonega $2,208
Brunswick $2,205
Coastal Maine $2,193
Houston $2,193
Eugene $2,187
Knoxville $2,184
Spokane $2,184
Grand Haven $2,181
Jacksonville $2,181
Charlotte $2,169
Anniston $1,185

Albuquerque is #137 of 338. The spread between the dearest and cheapest station at this grade is $3,942 a month — $47,304 a year, untaxed.

Every pay grade at Albuquerque0 – $2,910 / month
E-1 $1,992
E-2 $1,992
E-3 $1,992
E-4 $1,992
E-5 $2,211
E-6 $2,328
E-7 $2,352
E-8 $2,379
E-9 $2,472
W-1 $2,343
W-2 $2,361
W-3 $2,400
W-4 $2,502
W-5 $2,631
O-1E $2,355
O-2E $2,391
O-3E $2,520
O-1 $2,235
O-2 $2,325
O-3 $2,397
O-4 $2,670
O-5 $2,871
O-6 $2,892
O-7 $2,910

The pay chart moves this allowance far less than the map does.

Moving from Albuquerque to San Francisco at E-5 is worth $2,916 a month — about 25 promotions at this grade. Where you are stationed outweighs rank, by a lot.

Things the rate table doesn't tell you

01

“With dependents” is a dependency status, not a marital status. A single member paying child support can be authorized BAH-Diff; a married dual-military couple with no children is not automatically the with-dependents rate for both. If your situation is unusual, your finance office decides — not this table.

02

O-8, O-9 and O-10 draw the same BAH as O-7. The table stops there for a reason, not because it is missing rows.

03

This is CONUS BAH only. Overseas is OHA, which works differently — it reimburses actual rent up to a cap, with separate utility and move-in allowances. Alaska and Hawaii are BAH; Germany, Japan and Korea are OHA.

Source: DoD Defense Travel Management Office, effective 01 JAN 2026. How these rates are sourced and checked.