Holloman AFB
Alamogordo, New Mexico · Air Force
Holloman AFB is home to the 49th Wing — operating F-16 fighter training and MQ-9 Reaper remotely piloted aircraft in southern New Mexico's Tularosa Basin, adjacent to White Sands Missile Range.
Holloman AFB is affordable and scenic — the Tularosa Basin offers dramatic desert landscapes and the Sacramento Mountains are right there for skiing and hiking. New Mexico exempts military pay from income tax, and BAH creates a healthy surplus. White Sands National Park is practically in your backyard.
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Showing E-5 with dependents for the Holloman Afb/Alamogordo, NM MHA.
E-5 w/dep BAH
$1,590/mo
Tax-free housing allowance
Median rent
$1,000/mo
Zillow / BestPlaces 2025–2026
Monthly surplus
+$590/mo
BAH minus median rent
What Your BAH Buys Here
If you rent at median, you keep about $590/month. But what about buying?
Median home price
$195,000
Zillow / BestPlaces 2026
Est. monthly mortgage (PITI)
$1,400–$1,600/mo
$0 down, ~6.5% rate, ~0.8% property tax + insurance
At $1,590/month BAH and an estimated $1,400–$1,600/month PITI on a median-priced home, BAH may cover a significant portion of a typical mortgage in this market — 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
Holloman AFB BAH for E-5 with dependents is $471/mo below the national average — but Alamogordo's desert housing market is very affordable, with New Mexico's military pay exemption adding to the advantage
E-5 w/dep BAH here
$1,590/mo
Natl median E-5 w/dep
$2,061/mo
vs. natl avg
-$471/mo
2026 BAH Rates — Holloman Afb/Alamogordo, NM
Monthly rates for all pay grades. Source: DTMO 2026 BAH data. BAH is not taxable income.
E-4 w/dep: $1,419/mo·E-5 w/dep: $1,590/mo·E-6 w/dep: $1,869/mo
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| Enlisted | ||
| E-1 (PVT/SR/Amn/Pvt) | $1,419 | $1,131 |
| E-2 (PV2/FA/A1C/PFC) | $1,419 | $1,131 |
| E-3 (PFC/SA/SrA/LCpl) | $1,419 | $1,131 |
| E-4 (SPC/Cpl/SN/Cpl) | $1,419 | $1,131 |
| E-5 (SGT/PO2/SSgt) | $1,590 | $1,197 |
| E-6 (SSG/PO1/TSgt) | $1,869 | $1,401 |
| E-7 (SFC/CPO/MSgt) | $1,890 | $1,425 |
| E-8 (MSG/1SG/SCPO) | $1,899 | $1,650 |
| E-9 (SGM/CSM/MCPO) | $1,980 | $1,725 |
| Warrant Officer | ||
| W-1 (WO1) | $1,887 | $1,416 |
| W-2 (CW2) | $1,896 | $1,647 |
| W-3 (CW3) | $1,908 | $1,737 |
| W-4 (CW4) | $2,007 | $1,863 |
| W-5 (CW5) | $2,136 | $1,881 |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $1,893 | $1,587 |
| O-2E (1LT — prior enlisted) | $1,902 | $1,710 |
| O-3E (CPT — prior enlisted) | $2,028 | $1,860 |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $1,632 | $1,245 |
| O-2 (1LT/LTJG/1stLt) | $1,866 | $1,536 |
| O-3 (CPT/LT/Capt) | $1,905 | $1,764 |
| O-4 (MAJ/LCDR/Maj) | $2,175 | $1,869 |
| O-5 (LTC/CDR/LtCol) | $2,376 | $1,884 |
| O-6 (COL/CAPT/Col) | $2,394 | $1,887 |
| O-7 (BG/RDML/BGen) | $2,406 | $1,911 |
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 12–15% 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
Alamogordo is a small desert city in a mountain basin. The mistake is expecting Las Cruces (an hour south) or El Paso (1.5 hours south) amenities. Alamogordo has the basics, and the Sacramento Mountains to the east offer skiing at Ski Apache and cool mountain escapes in Cloudcroft — 30 minutes from base. Your BAH goes very far here.
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
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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.