2026 BAH Rates: Las Cruces, NM Area (NM209)

Las Cruces, NM Area: 2026 BAH at a glance

Military Housing Area NM209 covers 30 ZIP codes in Las Cruces, Anthony, Berino, Chamberino, Chaparral 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.

E-4 with deps

$1,503

$1,155 without

E-5 with deps

$1,701

$1,275 without

E-6 with deps

$1,929

$1,443 without

E-7 with deps

$1,983

$1,509 without

O-3 with deps

$2,082

$1,842 without

An E-5 with dependents here receives $1,701 a month, 18% below the median housing area ($2,064), ranking 240 of 338 nationally.

For officers, an O-3 with dependents gets $2,082, ranking 270 of 338 (18% below the $2,529 median). Promotion from E-5 to E-7 adds $282 a month in housing allowance here, before any change in base pay.

Dependents add $426 a month for an E-5 (33% over the $1,275 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	$1,503	$1,155	$348
E-2	$1,503	$1,155	$348
E-3	$1,503	$1,155	$348
E-4	$1,503	$1,155	$348
E-5	$1,701	$1,275	$426
E-6	$1,929	$1,443	$486
E-7	$1,983	$1,509	$474
E-8	$2,043	$1,752	$291
E-9	$2,127	$1,809	$318
W-1	$1,944	$1,458	$486
W-2	$2,007	$1,749	$258
W-3	$2,085	$1,821	$264
W-4	$2,142	$1,932	$210
W-5	$2,220	$1,995	$225
O-1E	$1,989	$1,698	$291
O-2E	$2,070	$1,797	$273
O-3E	$2,154	$1,917	$237
O-1	$1,737	$1,302	$435
O-2	$1,926	$1,638	$288
O-3	$2,082	$1,842	$240
O-4	$2,241	$1,977	$264
O-5	$2,358	$2,007	$351
O-6	$2,376	$2,061	$315
O-7	$2,388	$2,094	$294

Official DoD rates for MHA NM209. 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 237 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
Fort Bliss (El Paso, TX) TX279	48 mi	$1,809	$2,202
Alamogordo, NM Area NM205	69 mi	$1,590	$1,905
Cochise County, AZ AZ014	188 mi	$1,719	$2,232
Albuquerque, NM NM206	198 mi	$2,211	$2,397
Santa Fe, NM NM210	233 mi	$2,964	$3,711
Cannon Air Force Base (Clovis, NM) NM207	237 mi	$1,365	$1,875

ZIP codes in this housing area

Las Cruces, NM

880018800388004880058800688007880118801288013

Anthony, NM

88021

Berino, NM

88024

Chamberino, NM

88027

Chaparral, NM

88081

Dona Ana, NM

88032

Fairacres, NM

88033

Garfield, NM

87936

Hatch, NM

87937

La Mesa, NM

88044

Mesilla Park, NM

88047

Mesilla, NM

88046

Mesquite, NM

88048

Organ, NM

88052

Radium Springs, NM

88054

Rincon, NM

87940

Salem, NM

87941

San Miguel, NM

88058

Santa Teresa, NM

88008

Sunland Park, NM

88063

Vado, NM

88072

White Sands Missile Range, NM

88002

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.