What is O-3 BAH at Albuquerque in 2026?

$2,397 per month with dependents ($28,764 per year), effective 01 JAN 2026. without dependents it is $2,280 per month.

Does BAH count as taxable income?

No. BAH is excluded from federal taxable income, so a given BAH amount is worth more than the same figure in basic pay.

What happens if my BAH rate drops this year?

BAH rate protection holds you at the prior year's amount as long as your duty location, pay grade and dependency status stay the same. The lower rate applies to members arriving on new orders.

O-3 BAH at Albuquerque 2026 — $2,397/mo with dependents

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

Albuquerque/Kirtland AFB, NM

O-3 · with dependents

$2,397/ month

$28,764 / year

At O-3, this is #201 of 338 stations loaded · high Westchester County $6,633 · low Anniston $1,686

MHA NM206 · ZIPs 87001 87002 87004 87006 87008 87013 +68 more

Your grade is calledARMYCPTUSMCCaptNAVYLTUSAFCapt

Untaxed — matching it with taxable pay takes$3,073 / mo gross

Other dependency status here$2,280 without dependents

In government quarters, no dependents$50.10 / mo partial

Albuquerque — full sheetTap a row

Grade	With 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

O-3 with dependents, nearest stations0 – $6,633 / month

Westchester County$6,633

Morehead$2,421

Kings Bay$2,418

Auburn$2,412

Eastern Shore$2,406

Albuquerque$2,397

Fort Leavenworth$2,394

Louisville$2,394

Raleigh$2,391

Marquette$2,385

Anniston$1,686

Albuquerque is #201 of 338. The spread between the dearest and cheapest station at this grade is $4,947 a month — $59,364 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

Promoting to O-4 here adds $273 a month. The pay chart moves this allowance far less than the map does.

Where you are stationed outweighs what you are paid. Moving from Albuquerque to Westchester County at O-3 is worth $4,236 a month — about 16 promotions worth of housing allowance, at $273 per grade here.

Dependency status is worth 5% here. That is a status your finance office determines, not a box you tick — and it is the single largest lever on this page that is not a change of address.

None of it is taxed. $2,397 a month of BAH takes more than $2,397 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

Things the rate table doesn't tell you

“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.

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.

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.

O-3 with dependents at Albuquerque draws $2,397 per month in 2026

What this rate means

Things the rate table doesn't tell you