Albuquerque, NM: 2026 BAH at a glance
Military Housing Area NM206 covers 74 ZIP codes in Albuquerque, Rio Rancho, Algodones, Belen, Bernalillo and nearby communities, New Mexico. BAH is set by your duty station's ZIP code, not where you choose to live, so this table applies to anyone assigned inside it.
An E-5 with dependents here receives $2,211 a month, 7% above the median housing area ($2,064), ranking 137 of 338 nationally.
For officers, an O-3 with dependents gets $2,397, ranking 200 of 338 (5% below the $2,529 median). Promotion from E-5 to E-7 adds $141 a month in housing allowance here, before any change in base pay.
Dependents add $522 a month for an E-5 (31% over the $1,689 single rate), more than the typical $375 gap nationally. The with-dependents rate is the same whether you have one dependent or five.
2026 BAH rates for every grade
Monthly, effective January 1, 2026. "Difference" is what dependents add at each grade.
| Grade | With dependents | Without | Difference |
|---|---|---|---|
| E-1 | $1,992 | $1,557 | $435 |
| E-2 | $1,992 | $1,557 | $435 |
| E-3 | $1,992 | $1,557 | $435 |
| E-4 | $1,992 | $1,557 | $435 |
| E-5 | $2,211 | $1,689 | $522 |
| E-6 | $2,328 | $1,794 | $534 |
| E-7 | $2,352 | $2,001 | $351 |
| E-8 | $2,379 | $2,241 | $138 |
| E-9 | $2,472 | $2,265 | $207 |
| W-1 | $2,343 | $1,926 | $417 |
| W-2 | $2,361 | $2,238 | $123 |
| W-3 | $2,400 | $2,271 | $129 |
| W-4 | $2,502 | $2,325 | $177 |
| W-5 | $2,631 | $2,355 | $276 |
| O-1E | $2,355 | $2,208 | $147 |
| O-2E | $2,391 | $2,259 | $132 |
| O-3E | $2,520 | $2,316 | $204 |
| O-1 | $2,235 | $1,770 | $465 |
| O-2 | $2,325 | $2,142 | $183 |
| O-3 | $2,397 | $2,280 | $117 |
| O-4 | $2,670 | $2,343 | $327 |
| O-5 | $2,871 | $2,358 | $513 |
| O-6 | $2,892 | $2,376 | $516 |
| O-7 | $2,910 | $2,415 | $495 |
Official DoD rates for MHA NM206. If rates in an area fall, members already there keep their higher rate (rate protection) until they PCS or their eligibility changes. 2027 rates are normally announced in mid-December: what to expect.
Nearby housing areas
The closest other MHAs by ZIP-code center. Your BAH follows your duty ZIP, but these show how the rate changes across the region if you are choosing between assignments.
Within about 278 miles, E-5 with-dependents BAH runs from $1,365 (Cannon Air Force Base (Clovis, NM)) to $2,964 (Santa Fe, NM), a spread of $1,599 a month or $19,188 a year for the same rank.
| Housing area | Distance | E-5 with deps | O-3 with deps |
|---|---|---|---|
| Santa Fe, NM NM210 | 47 mi | $2,964 | $3,711 |
| Alamogordo, NM Area NM205 | 167 mi | $1,590 | $1,905 |
| Las Cruces, NM Area NM209 | 198 mi | $1,701 | $2,082 |
| Cannon Air Force Base (Clovis, NM) NM207 | 201 mi | $1,365 | $1,875 |
| Fort Bliss (El Paso, TX) TX279 | 239 mi | $1,809 | $2,202 |
| Fort Carson (Colorado Springs, CO) CO046 | 278 mi | $2,358 | $2,595 |
ZIP codes in this housing area
Albuquerque, NM
Rio Rancho, NM
Algodones, NM
Belen, NM
Bernalillo, NM
Bosque Farms, NM
Bosque, NM
Cedar Crest, NM
Cochiti Lake, NM
Cochiti Pueblo, NM
Corrales, NM
Counselor, NM
Cuba, NM
Isleta, NM
Jarales, NM
Jemez Pueblo, NM
Jemez Springs, NM
Kirtland Afb, NM
La Jara, NM
Laguna, NM
Los Lunas, NM
Pena Blanca, NM
Peralta, NM
Placitas, NM
Ponderosa, NM
Regina, NM
San Ysidro, NM
Sandia Park, NM
Santo Domingo Pueblo, NM
Tijeras, NM
Tome, NM
Using this rate
- Find your exact rate by duty ZIP, grade and dependency status in the BAH calculator.
- Moving here? Price the move and your PPM in the PCS calculator, and test renting against buying in the rent vs buy calculator.
- See BAH with base pay and BAS as one number in the compensation calculator.
Place names: GeoNames (CC BY 4.0), matched to the official DoD ZIP-to-MHA mapping. Rates: DoD BAH rate file effective January 1, 2026.