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 without dependents at Santa Fe draws $3,522 per month in 2026

    Permalinkbahratedesk.com/santa-fe-los-alamos-nm/o-4/without/ExcelCSVDownloads cover this station.
    Santa Fe/Los Alamos, NM
    O-4 · without dependents
    $3,522/ month
    $42,264 / year
    At O-4, this is #48 of 338 stations loaded · high Westchester County $5,874 · low Youngstown $1,497
    MHA NM210 · ZIPs 87010 87015 87056 87501 87502 87503 +15 more
    Your grade is calledARMYMAJUSMCMajNAVYLCDRUSAFMaj
    Untaxed — matching it with taxable pay takes$4,515 / mo gross
    Other dependency status here$3,891 with 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 · $3,522/mo
    Aberdeen Proving Grounds$2,865/mo · $34,380/yr
    ▼ CUT−$657−$7,884/yr · like −$10,108 of salary

    What this rate means

    O-4 without dependents, nearest stations0 – $5,874 / month
    Westchester County$5,874
    Providence$3,669
    County Cost Group 890$3,633
    Riverside$3,597
    Worcester$3,528
    Santa Fe$3,522
    Vallejo$3,498
    Hartford$3,495
    Indian Head Navordsta$3,483
    Boulder$3,480
    Youngstown$1,497

    Santa Fe is #48 of 338. The spread between the dearest and cheapest station at this grade is $4,377 a month — $52,524 a year, untaxed.

    Every pay grade at Santa Fe0 – $3,756 / month
    E-1$1,977
    E-2$1,977
    E-3$1,977
    E-4$1,977
    E-5$2,223
    E-6$2,562
    E-7$2,652
    E-8$3,057
    E-9$3,189
    W-1$2,577
    W-2$3,054
    W-3$3,204
    W-4$3,435
    W-5$3,546
    O-1E$2,961
    O-2E$3,159
    O-3E$3,408
    O-1$2,310
    O-2$2,856
    O-3$3,249
    O-4$3,522
    O-5$3,585
    O-6$3,693
    O-7$3,756

    Promoting to O-5 here adds $63 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 $2,352 a month — about 37 promotions worth of housing allowance, at $63 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. $3,522 a month of BAH takes more than $3,522 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.