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San Antonio BAH To Home Payment Calculator
Estimate the home price where a VA loan payment (principal, interest, property taxes, insurance, and any HOA dues) stays at or below your 2026 Basic Allowance for Housing at Joint Base San Antonio. Adjust every input to match your own quote.
Estimated Max Home Price
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30-year fixed VA loan with the funding fee financed. Payment is set equal to your BAH.
| Loan amount (incl. funding fee) | |
|---|---|
| VA funding fee | |
| Principal & interest | |
| Property taxes | |
| Homeowners insurance | |
| HOA dues | |
| Estimated monthly payment |
Estimates only. This is not a loan offer, pre-approval, or commitment to lend. Interest rates change daily and vary by borrower. BAH rates are set each year and can change. Your actual payment and the price you qualify for depend on a lender's review of credit, income, debts, assets, and the property. The estimate leaves out utilities, maintenance, and closing costs.
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2026 BAH Rates Used: San Antonio MHA (TX285)
Monthly rates effective January 1, 2026. O-7 through O-10 share the published O-7+ rate. Source: DoD 2026 BAH rates (TX285), Defense Travel Management Office BAH Rate Lookup, travel.dod.mil. Rates reviewed: July 15, 2026. Confirm your entitlement with your finance office.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $1,728 | $1,359 |
| E-2 | $1,728 | $1,359 |
| E-3 | $1,728 | $1,359 |
| E-4 | $1,728 | $1,359 |
| E-5 | $1,869 | $1,500 |
| E-6 | $2,094 | $1,596 |
| E-7 | $2,112 | $1,731 |
| E-8 | $2,121 | $1,920 |
| E-9 | $2,157 | $1,977 |
| W-1 | $2,109 | $1,692 |
| W-2 | $2,118 | $1,917 |
| W-3 | $2,130 | $1,986 |
| W-4 | $2,178 | $2,085 |
| W-5 | $2,280 | $2,097 |
| O-1E | $2,115 | $1,866 |
| O-2E | $2,124 | $1,965 |
| O-3E | $2,196 | $2,082 |
| O-1 | $1,905 | $1,584 |
| O-2 | $2,091 | $1,827 |
| O-3 | $2,127 | $2,007 |
| O-4 | $2,307 | $2,088 |
| O-5 | $2,457 | $2,100 |
| O-6 | $2,475 | $2,103 |
| O-7 | $2,490 | $2,112 |
| O-8 | $2,490 | $2,112 |
| O-9 | $2,490 | $2,112 |
| O-10 | $2,490 | $2,112 |
VA funding fee percentages (purchase): first use 2.15% with less than 5% down, 1.5% with 5% to under 10% down, 1.25% with 10% or more down; subsequent use 3.3%, 1.5%, and 1.25%. Source: VA.gov funding fee and closing costs. See also the VA loan costs guide and the 2026 JBSA BAH rates page.
Frequently Asked Questions
Is this calculator a loan offer or pre-approval?
No. It is an educational estimate only. Actual loan amounts, rates, fees, and approval depend on a lender's underwriting, your credit, debts, income, assets, the property, and program rules.
Which BAH rate does the calculator use?
It uses the published 2026 with-dependents or without-dependents BAH rate for the San Antonio Military Housing Area (TX285), which covers the main JBSA installations. BAH is based on your permanent duty station ZIP code, pay grade, and dependency status, not where you buy. Confirm your rate with the DoD BAH Rate Lookup and your finance office.
Why is the property tax default 2.2%?
It is a rough planning figure for Bexar County. Actual combined rates vary by city, school district, and special districts, and homes outside Bexar County use different rates. Exemptions, including disabled veteran exemptions, can change the bill. Replace it with the rate for the specific address.
Does the calculator include the VA funding fee?
Yes. It applies the VA funding fee percentage you select to the loan amount and assumes the fee is financed. Some borrowers, such as those receiving VA disability compensation, may be exempt. Verify your status on your Certificate of Eligibility.
Should my mortgage payment equal my full BAH?
Not necessarily. BAH is one planning number. Utilities, maintenance, HOA dues, and your personal budget matter too, and many buyers choose a payment below BAH.
Base Guides
- Homes near JBSA-Fort Sam Houston
- Homes near JBSA-Lackland
- Homes near JBSA-Randolph
- Homes near JBSA-Camp Bullis
Velvet Realty Group is not a mortgage lender and does not determine eligibility for a VA-backed loan. Buyers may choose any lender, and real estate representation is not conditioned on the lender a buyer selects. Jonathan Morris conducts mortgage loan originator work separately through REV Mortgage, NMLS #2792614. No affiliation with or endorsement by the Department of Veterans Affairs, Department of Defense, Joint Base San Antonio, or any military branch is implied.
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