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
    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
    WithWithout

    O-4 with dependents at Santa Fe draws $3,891 per month in 2026

    Permalinkbahratedesk.com/santa-fe-los-alamos-nm/o-4/with/ExcelCSVDownloads cover this station.
    Santa Fe/Los Alamos, NM
    O-4 · with dependents
    $3,891/ month
    $46,692 / year
    At O-4, this is #52 of 338 stations loaded · high Westchester County $7,470 · low Youngstown $1,809
    MHA NM210 · ZIPs 87010 87015 87056 87501 87502 87503 +15 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$4,988 / mo gross
    Other dependency status here$3,522 without dependents
    In government quarters, no dependents$50.10 / mo partial
    Santa Fe — full sheetTap a row
    GradeWith dep.Without
    Enlisted
    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
    Warrant officer
    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
    Officer — prior enlisted
    O-1E$3,540$2,961
    O-2E$3,690$3,159
    O-3E$3,795$3,408
    Officer
    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$4,086$3,756
    PCS compareSanta Fe · O-4 · $3,891/mo
    Aberdeen Proving Grounds$3,396/mo · $40,752/yr
    ▼ CUT−$495−$5,940/yr · like −$7,615 of salary

    What this rate means

    O-4 with dependents, every station0 – $7,470 / month
    Westchester County$7,470
    New York City$6,459
    San Francisco$6,444
    Nantucket$6,306
    Maui County$6,045
    Boston$5,928
    Santa Clara County$5,856
    Florida Keys$5,655
    Northern New Jersey$5,610
    Hanscom AFB$5,535
    Long Island$5,502
    Martha's Vineyard$5,385
    Kauai County$5,376
    Essex CO$5,301
    Monterey$5,259
    Miami$5,208
    Camp Pendleton$5,085
    San Diego$5,082
    Los Angeles$5,052
    Staten Island$5,043
    Portsmouth$4,983
    Trenton$4,926
    San Luis Obispo$4,920
    West Point$4,884
    Cape Cod-Plymouth$4,872
    Portland$4,830
    Oakland$4,809
    Honolulu County$4,737
    Fort Monmouth$4,710
    Perth Amboy$4,638
    Fitchburg$4,587
    Burlington$4,584
    Marin$4,563
    Seattle$4,554
    Ventura$4,545
    Manchester$4,512
    Newport$4,446
    West Palm Beach$4,443
    Washington$4,410
    Providence$4,317
    Worcester$4,296
    New Haven$4,275
    County Cost Group 890$4,236
    Warrenton$4,206
    Hartford$4,128
    Hawaii County$4,128
    Vandenberg SFB$4,113
    Indian Head Navordsta$4,020
    Atlantic City$4,014
    Boulder$4,005
    Chicago$3,927
    Santa Fe$3,891
    JB McGuire-Dix-Lakehurst$3,882
    Riverside$3,876
    Juneau$3,873
    County Cost Group 880$3,864
    Brunswick$3,846
    Austin$3,825
    Annapolis$3,822
    Ann Arbor$3,804
    JB Elmendorf-Richardson$3,789
    Everett$3,780
    Vallejo$3,762
    Fort G. G. Meade$3,759
    Madison$3,759
    Quantico$3,753
    Hampden County$3,747
    Stockton$3,738
    Ketchikan$3,720
    Willow Grove$3,714
    New London$3,654
    Cape May$3,639
    Sitka$3,639
    San Bernardino$3,630
    County Cost Group 870$3,627
    Edwards AFB$3,597
    Fort Detrick$3,573
    Milwaukee$3,564
    Kodiak Island$3,555
    Ballston Spa$3,549
    Eglin AFB$3,528
    Astoria$3,480
    Baltimore$3,477
    Outer Banks$3,438
    Philadelphia$3,435
    County Cost Group 860$3,429
    Denver$3,426
    Portland$3,420
    Fort Pierce$3,408
    Aberdeen Proving Grounds$3,396
    Corvallis$3,387
    Great Lakes Navtracen$3,381
    Oxford$3,378
    Asheville$3,351
    Fort Myers Beach$3,345
    Beale AFB$3,342
    Charlottesville$3,333
    County Cost Group 850$3,330
    JB Lewis-McChord$3,324
    Sacramento$3,318
    Bridgeport$3,312
    Port Angeles$3,285
    Whidbey Island$3,279
    Bremerton$3,258
    Tampa$3,255
    Traverse City$3,255
    Dahlgren$3,243
    Knoxville$3,243
    Detroit$3,228
    County Cost Group 840$3,225
    Fresno$3,213
    Fairbanks$3,210
    Allentown$3,207
    Beaufort$3,192
    Minneapolis$3,183
    College Station$3,165
    County Cost Group 830$3,138
    Orlando$3,135
    Reno$3,120
    Patrick SFB$3,108
    Humboldt County$3,099
    Buffalo$3,093
    Eugene$3,090
    Rome$3,090
    Twenty Nine Palms MCB$3,090
    Dover AFB$3,078
    Patuxent River$3,075
    Pittsburgh$3,075
    Abilene$3,063
    Norfolk$3,054
    Coastal Maine$3,051
    Spokane$3,048
    St. Louis$3,048
    Dallas$3,045
    Helena$3,039
    Houston$3,039
    Syracuse$3,039
    Savannah$3,036
    County Cost Group 820$3,033
    Gainesville$3,033
    Nashville$3,033
    Richmond$3,030
    Rochester$3,027
    Wilmington$3,018
    Yakima$3,015
    Fort Collins$3,012
    Elizabeth City$3,009
    Salem$3,009
    Barstow$2,976
    Omaha$2,967
    Salt Lake City$2,946
    Coos Bay$2,943
    Durham$2,931
    State College$2,928
    Chattanooga$2,916
    County Cost Group 810$2,916
    Panama City$2,913
    Bloomington$2,910
    Charleston$2,904
    Fort Stewart$2,904
    Cleveland$2,889
    Tallahassee$2,883
    Cincinnati$2,868
    Atlanta$2,859
    Carlisle Barracks$2,853
    El Centro$2,847
    New Orleans$2,847
    Jackson$2,841
    Hampton$2,835
    Volusia County$2,826
    Eastern Panhandle$2,796
    Columbus$2,793
    County Cost Group 800$2,793
    Fort Campbell$2,793
    Waco$2,793
    Myrtle Beach$2,787
    Battle Creek$2,781
    Fort Carson$2,778
    Grand Haven$2,760
    Corpus Christi$2,757
    Provo$2,745
    Fargo$2,739
    Dahlonega$2,736
    Grand Rapids$2,730
    Louisville$2,730
    Fort Knox$2,724
    Auburn$2,718
    Ocala$2,718
    Cheyenne$2,715
    County Cost Group 790$2,706
    Des Moines$2,706
    Kings Bay$2,706
    Birmingham$2,703
    Morehead$2,697
    Rapid City$2,691
    Wichita Fls$2,691
    Bangor$2,688
    Lemoore NAS$2,673
    Albuquerque$2,670
    Johnson City$2,664
    Mountain Home AFB$2,658
    Fort Drum$2,655
    Phoenix$2,646
    Eastern Shore$2,643
    Fayetteville$2,640
    Fort Worth$2,640
    Marquette$2,634
    Rock Island$2,628
    Scott AFB$2,625
    Kansas City$2,622
    Duluth$2,619
    County Cost Group 780$2,613
    Nellis AFB$2,610
    Boise$2,598
    Raleigh$2,589
    Roanoke$2,583
    Jacksonville$2,580
    Fort Hood$2,577
    Lexington$2,571
    Ogden$2,565
    Shreveport$2,562
    Fort Gordon$2,559
    Toledo$2,544
    County Cost Group 770$2,541
    Fort Rucker$2,541
    Malmstrom SFB$2,532
    Champaign$2,529
    Lansing$2,529
    Laughlin AFB$2,526
    Charlotte$2,520
    Baton Rouge$2,517
    Columbia$2,517
    Whiteman AFB$2,517
    Fort Leavenworth$2,508
    Memphis$2,508
    Mobile$2,508
    Fort Wayne$2,505
    Lincoln$2,502
    Fallon NAS$2,499
    Robins AFB$2,496
    Brownsville$2,490
    Tulsa$2,490
    Grand Forks$2,478
    Greensboro$2,472
    Seymour Johnson AFB$2,472
    Greenville$2,463
    County Cost Group 760$2,457
    Pensacola$2,457
    Indianapolis$2,451
    Wright-Patterson AFB$2,448
    China Lake$2,445
    Huntsville$2,445
    Fort Bragg$2,427
    Wilkes-Barre$2,427
    Lexington$2,421
    Paducah$2,415
    Akron$2,403
    County Cost Group 750$2,400
    Davis-Monthan AFB$2,400
    Columbia$2,391
    Bismarck$2,388
    Topeka$2,385
    Gulfport$2,379
    Terre Haute$2,379
    Springfield$2,376
    Minot AFB$2,367
    Morgantown$2,367
    Fort Huachuca$2,364
    Columbus AFB$2,361
    Sumter$2,361
    Camp Lejeune$2,355
    Fort Bliss$2,352
    County Cost Group 740$2,343
    Lubbock$2,343
    Moody AFB$2,340
    Sioux Falls$2,340
    St Mary And Terrebonne$2,331
    Little Rock$2,328
    Sault Ste Marie$2,325
    Goodfellow AFB$2,322
    San Antonio (JBSA)$2,307
    County Cost Group 730$2,304
    Lafayette$2,298
    Montgomery$2,298
    Fort Benning$2,295
    Beaumont$2,289
    Peoria$2,283
    Yuma$2,283
    County Cost Group 720$2,277
    Albany$2,271
    Alexandria$2,268
    Lake Charles$2,265
    County Cost Group 710$2,253
    White Sands MR$2,241
    Springfield$2,238
    Wichita$2,232
    County Cost Group 700$2,229
    County Cost Group 690$2,214
    Charleston$2,208
    Meridian$2,202
    County Cost Group 680$2,199
    Fort Chaffee$2,199
    County Cost Group 670$2,187
    Oklahoma City$2,184
    Frankfort$2,178
    County Cost Group 660$2,175
    Holloman AFB$2,175
    Fort Riley$2,169
    County Cost Group 650$2,163
    Vance AFB$2,163
    Hattiesburg$2,160
    County Cost Group 640$2,154
    County Cost Group 630$2,145
    Fort Leonard Wood$2,142
    County Cost Group 620$2,136
    Altus AFB$2,130
    County Cost Group 610$2,127
    Fort Polk$2,124
    County Cost Group 600$2,118
    County Cost Group 590$2,103
    Sparta$2,094
    County Cost Group 580$2,091
    County Cost Group 570$2,076
    Erie$2,076
    Huntington$2,073
    County Cost Group 560$2,067
    County Cost Group 550$2,055
    Fort Sill$2,055
    County Cost Group 540$2,046
    County Cost Group 530$2,037
    County Cost Group 520$2,031
    County Cost Group 510$2,025
    Saginaw$1,938
    Anniston$1,935
    Cannon AFB$1,920
    Monroe$1,908
    Stevens Point$1,878
    Youngstown$1,809

    Santa Fe is #52 of 338. The spread between the dearest and cheapest station at this grade is $5,661 a month — $67,932 a year, untaxed.

    Every pay grade at Santa Fe0 – $4,086 / month
    E-1$2,637
    E-2$2,637
    E-3$2,637
    E-4$2,637
    E-5$2,964
    E-6$3,414
    E-7$3,522
    E-8$3,639
    E-9$3,762
    W-1$3,435
    W-2$3,570
    W-3$3,714
    W-4$3,780
    W-5$3,870
    O-1E$3,540
    O-2E$3,690
    O-3E$3,795
    O-1$3,024
    O-2$3,411
    O-3$3,711
    O-4$3,891
    O-5$4,023
    O-6$4,056
    O-7$4,086

    Promoting to O-5 here adds $132 a month. The pay chart moves this allowance far less than the map does.

    01

    Where you are stationed outweighs what you are paid. Moving from Santa Fe to Westchester County at O-4 is worth $3,579 a month — about 27 promotions worth of housing allowance, at $132 per grade here.

    02

    Dependency status is worth 10% 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.

    03

    None of it is taxed. $3,891 a month of BAH takes more than $3,891 of basic pay to match, which is why comparing a civilian salary against military base pay alone understates the gap.

    Ad slot — in-content, after the answerPlaced below the number, never above it. VA-loan and PCS-move advertisers bid here.

    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.