Bases: Kirtland AFB · Cannon AFB · Holloman AFB · White Sands · $0 down VA · NM disabled-Veteran property tax exemption · Call Mike (480) 296-6513

New Mexico VA Loan, BAH Calculator

Pick your base, pick your rank, see what home your 2026 BAH actually covers, including the NM summer utility reality most estimates skip.

By Mike Certo, NMLS #260555:

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New Mexico VA Loan BAH Calculator

Your Situation

Your Base & Rank
2026 BAH: $2,175 / month
The Home
NM summer cooling and winter heating both move the number, and it changes what BAH covers, we build it in.
Enter any figure to model your payment. This is an illustration only, not a quote. Ask Mike for a personalized scenario.
Rio Rancho / Los Lunas master-planned communities typically $80-180/mo. Older neighborhoods often $0.

Your Result

Pick your base and rank to see your number.

BAH questions New Mexico buyers ask

Does BAH count as income for a VA loan?

Yes. Lenders count Basic Allowance for Housing as effective income for VA qualification, and because BAH is non-taxable it carries full weight in the math. PCS'ing in? Lenders can qualify you on your gaining station's BAH with valid orders. The calculator above starts from your actual 2026 rate by base and rank.

What is BAH at Kirtland AFB in 2026?

$2,211 per month for an E-5 with dependents (Albuquerque MHA NM206), per the official 2026 DoD tables. Holloman (NM205) runs $1,590, Cannon (NM207) $1,365, and White Sands Missile Range (NM209) $1,701 for the same grade, a wide spread, which is why the base you pick drives what home the allowance covers.

2026 BAH rates from DoD published rates effective Jan 1, 2026. Property tax estimates use 2026 effective rates by NM county. Utility estimates are NM-typical ranges (PNM and regional co-ops, summer cooling plus winter heating); your actual will vary by home size and habits. Funding fee per VA Lenders Handbook 2026, waived for Veterans receiving or entitled to receive VA disability compensation. Calculator is educational, not a loan commitment. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.