Military Housing Options

Moving as part of your military journey means encountering a range of housing options upon reaching your new destination. Each housing alternative comes with its own set of advantages and considerations, demanding careful thought to determine the best fit for you and your family.

Government-Owned Military Installation Housing and On Base Housing

A staple in military housing, these accommodations are owned and maintained by the Defense Department. While the basic allowance for housing (BAH military) covers rent and utilities, there is no additional stipend provided.

Privatized Military Housing

In collaboration with private-sector entities, these homes provide an alternative for military families. Basic allowance for housing (BAH military) can be utilized for rent, and occupants are responsible for their utility costs. The intricacies of renters insurance should also be explored for comprehensive coverage within the military housing rental program.

Renting Off Base

Venturing off the military grounds opens the door to renting in the civilian sector. Your basic allowance for housing (BAH) can be used to cover rent and utilities. You have the ability to rent a home that is more or less than your BAH. If your rent and utilities are less than BAH, you can keep the remaining money and use it as you see fit. This could be a great option for those looking to live frugally for a year or two and save money to pay off debt or to just get a leg up on savings. This makes military rentals a viable option for many service members.

Buying a Home Off Base

For those contemplating homeownership, start by speaking with a loan officer to understand VA home loan requirements and obtain your VA home loan certificate of eligibility. Then make an informed decision about how much you should spend, taking into account your BAH and your family's budget. Owning a home allows you to build equity, which doesn’t have to stop when you PCS, as you can rent the property out and earn rental income in addition to the home's value increasing. Understanding VA loan entitlement and VA loan property requirements will help in navigating the VA home loan process.

In essence, the journey through military housing, including on base housing and military rentals, is as diverse as the individuals it serves. The considerations span financial implications, lifestyle preferences, and the inherent dynamics of military life. Armed with information and a keen understanding of personal circumstances, service members can confidently navigate the military housing rental program and on base housing options, ensuring a seamless transition to their new home.