Military Home Affordability Calculator 2026

△ Step 1 — Pay Grade & Years of Service

Pay grade

Years of service

Base Pay: /month

△ Step 2 — Duty Station & BAH

City, base name, or ZIP code

Dependency status

BAH: /month ·

△ Step 3 — Basic Allowance for Subsistence (BAS)

Include BAS in qualifying income

Enlisted: $460.25/mo · Officers: $317.98/mo · Non-taxable

BAS: $460.25/month · Enlisted rate

△ Step 4 — Calculate

△ Total Monthly Qualifying Income

Base Pay

—

BAH

—

BAS

—

Total Monthly

—

— annual

Income Composition

Base Pay: —

BAH: —

BAS: —

VA lender note: BAH and BAS are non-taxable. VA lenders typically gross up non-taxable income by ~25% when calculating qualifying income, which increases your effective buying power beyond what's shown here. Confirm with your lender.

△ VA Loan Home Affordability — Adjust the Numbers

VA Interest Rate

Loan Term

yrs

Property Tax Rate

Monthly Insurance

Monthly Debt (DTI)

DTI Cap

Estimated Home Price You Can Afford

—

Monthly PITI

Loan Amount

—

Down Payment

$0 (VA)

P&I Payment

—

BAH Remaining

—

Monthly Mortgage Breakdown

P&I: —

Tax: —

Insurance: —

✓$0 down payment — no down payment required for eligible service members

✓No PMI — saves $100–$300/month vs conventional loans

✓2.15% VA Funding Fee — financed into loan; waived with service-connected disability rating

✓BAH & BAS grossed up ~25% — lenders increase non-taxable income for qualification purposes

ⓘHome price shown uses full qualifying income for DTI. Base Pay significantly increases your purchasing power beyond BAH alone. Always verify with a VA-approved lender.

Data sources: 2026 DoD Military Pay Table (all grades/YOS, including Mustangs O-1E/O-2E/O-3E and Warrant Officers W-1 through W-5) · DoD DTMO BAH rate files (40,959 ZIP codes) · DFAS BAS rates (Enlisted $460.25 / Officers $317.98) · Effective January 1, 2026. DFAS Pay Tables →

△ Next Step — Get Matched With an Agent

Ready to Make This Real?

Patrick will personally match you with a VA-savvy agent at your duty station within one business day — completely free.

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Full name

Email address

Phone number (optional)

Where are you buying or selling?

🔒 Your information is never sold or shared with anyone except your matched agent.

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