Can I Purchase a Home on a Military Base?

by Kelsey Ramirez

Have you ever wondered if you can buy a home on a military base? I mean, many bases do have commissaries, a NEX/PX/BX, gyms, pools, childcare, and are behind the heavily watched gated community. However, military bases are owned by the US Federal Government. Therefore, no, it is not possible to purchase a home on a military base, but there are some important considerations to keep in mind if you are wanting to buy off base or rent in base housing.

Military bases typically have options available for service members and their families, including both on-base housing (government-owned or privatized) and off-base housing in the surrounding community.

Here are a few key points to consider:

On-Base Housing: Many military bases offer on-base housing, either owned and managed by the government or operated by private companies through privatization initiatives. In some cases, service members may be required to live on-base, while in others it’s optional.

Off-Base Housing: If you prefer to live off-base, you can explore options in the surrounding community. Keep in mind that the availability of off-base housing will depend on the specific base and its location. You can often find privatized or government managed off-base homes that are associated with on-base, but this housing is outside of the gates of the base. You can also find apartments, private rentals from homeowners or property management companies, and homes for sale.

VA Home Loan: If you are eligible, you can use a VA (U.S. Department of Veterans Affairs) home loan to purchase a home near a military base. VA loans offer several benefits, including no down payment requirements and competitive interest rates. They also do not require PMI (private mortgage insurance) nor prepayment penalties for early payoff.

Restrictions and Regulations: Some bases may have restrictions or regulations regarding the members housing status, especially for off-base housing. It’s essential to check with the base housing office or relevant authorities to understand any specific rules or requirements.

Base Access: Living on a military base may require you to have appropriate base access, which is usually granted to active-duty service members, their dependents, and certain authorized personnel. Ensure you meet the eligibility criteria for living in housing on base.

Market Conditions: Consider the local real estate market conditions around the military base. Housing availability, prices, and rental options can vary, so it’s advisable to research the housing market in the area.

Before making any decisions, it’s crucial to consult with the housing office on the specific military base you’re interested in and seek guidance from real estate professionals familiar with the local market – including those in this network. Additionally, be aware that military personnel may be subject to frequent relocations, so factors such as resale potential and rental market conditions may also influence your decision. If you are thinking about purchasing a home, ALL of our agents are military affiliated and experts in their local areas. They can advise on whether buying or renting is the appropriate option.

If you know someone looking to move near a military base – please send them our website below where we provide loads of base information.