2026 BAH Rates

Cannon AFB

Clovis, New Mexico · Air Force

Cannon AFB is home to the 27th Special Operations Wing — Air Force Special Operations Command's only wing in the continental U.S., operating CV-22 Ospreys and AC-130J Ghostriders near Clovis, New Mexico.

Cannon AFB is remote and won't win any 'best duty station' awards — but your BAH goes further here than at almost any other Air Force base. Clovis is affordable, New Mexico exempts military pay from income tax, and the AFSOC mission means the community is tight. Use this assignment to save.

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Showing E-5 with dependents for the Cannon Afb/Clovis, NM MHA.

E-5 w/dep BAH

$1,365/mo

Tax-free housing allowance

Median rent

$1,000/mo

Zillow / BestPlaces 2025–2026

Monthly surplus

+$365/mo

BAH minus median rent

What Your BAH Buys Here

If you rent at median, you keep about $365/month. But what about buying?

Median home price

$210,000

Zillow / BestPlaces 2026

Est. monthly mortgage (PITI)

$1,500$1,700/mo

$0 down, ~6.5% rate, ~0.8% property tax + insurance

At $1,365/month BAH and an estimated $1,500$1,700/month PITI on a median-priced home, BAH may not fully cover a typical mortgage, but it can significantly offset your monthly housing cost — though actual costs vary based on rate, taxes, insurance, and individual circumstances.

Housing cost estimates are approximate and based on publicly available market data. Actual mortgage costs depend on interest rate, property taxes, insurance, HOA dues, maintenance, credit profile, and lender requirements. This is not financial advice — use these numbers as a starting point for your own research.

How This Market Compares

Cannon AFB BAH for E-5 with dependents is $696/mo below the national average — but Clovis rents are among the lowest near any Air Force base, so even a small BAH surplus adds up fast

E-5 w/dep BAH here

$1,365/mo

Natl median E-5 w/dep

$2,061/mo

vs. natl avg

-$696/mo

2026 BAH Rates — Cannon Afb/Clovis, NM

Monthly rates for all pay grades. Source: DTMO 2026 BAH data. BAH is not taxable income.

E-4 w/dep: $1,260/mo·E-5 w/dep: $1,365/mo·E-6 w/dep: $1,593/mo

Pay GradeWith DependentsWithout Dependents
Enlisted
E-1 (PVT/SR/Amn/Pvt)$1,260$1,050
E-2 (PV2/FA/A1C/PFC)$1,260$1,050
E-3 (PFC/SA/SrA/LCpl)$1,260$1,050
E-4 (SPC/Cpl/SN/Cpl)$1,260$1,050
E-5 (SGT/PO2/SSgt)$1,365$1,107
E-6 (SSG/PO1/TSgt)$1,593$1,194
E-7 (SFC/CPO/MSgt)$1,695$1,272
E-8 (MSG/1SG/SCPO)$1,806$1,416
E-9 (SGM/CSM/MCPO)$1,890$1,476
Warrant Officer
W-1 (WO1)$1,611$1,236
W-2 (CW2)$1,740$1,413
W-3 (CW3)$1,878$1,485
W-4 (CW4)$1,893$1,611
W-5 (CW5)$1,917$1,719
Officer (Prior Enlisted)
O-1E (2LT — prior enlisted)$1,713$1,362
O-2E (1LT — prior enlisted)$1,857$1,461
O-3E (CPT — prior enlisted)$1,896$1,584
Officer
O-1 (2LT/ENS/2ndLt)$1,401$1,152
O-2 (1LT/LTJG/1stLt)$1,590$1,335
O-3 (CPT/LT/Capt)$1,875$1,506
O-4 (MAJ/LCDR/Maj)$1,920$1,695
O-5 (LTC/CDR/LtCol)$1,944$1,755
O-6 (COL/CAPT/Col)$1,956$1,857
O-7 (BG/RDML/BGen)$1,968$1,887

O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026.

Local cost of living context

  • Overall cost of living is roughly roughly 15–18% below the national average.

  • New Mexico exempts active-duty military pay from state income tax. BAH and BAS are also tax-free.

What to know before you move

Cannon is consistently ranked among the least-desirable Air Force bases — Clovis is isolated, flat, and windy with limited amenities. The mistake is letting the reputation ruin the assignment. The AFSOC mission is elite, the BAH surplus is enormous, and the tight-knit community surprises most families. Budget for regular trips to Albuquerque (3.5 hours) or Lubbock (1.5 hours) and save aggressively.

Housing data is approximate and provided for informational and educational purposes only. Median rents and home prices reflect market estimates at time of publication and may not reflect current conditions. School ratings are sourced from third-party services and reflect their methodology. MilPayTools does not endorse specific neighborhoods, properties, landlords, or housing decisions. Always verify figures independently and consult with a qualified professional before making financial commitments.

What to do next

BAH is the starting point. Here are the calculations that matter most for your PCS decision.

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Data Source & Disclaimer

BAH rates are from the Defense Travel Management Office (DTMO) 2026 BAH data, effective January 1, 2026. Rates are set by Military Housing Area (MHA), not individual ZIP code — all ZIPs in the same MHA receive identical rates. This page is for informational purposes only and is not affiliated with DoD, DTMO, or any government agency. Verify your entitlement at travel.dod.mil.