Living Off-Base vs. On-Base: The Financial Showdown
One of the first questions at a new duty station is: "Should we apply for housing or find a place in town?" Beyond lifestyle preferences, the financial implications are huge. Let's weigh the costs.
Option 1: On-Base Housing (PPV)
Privatized Military Housing offers convenience, but it comes at a fixed price.
The Financials
- Cost: Typically equals your EXACT BAH amount (with dependents rate).
- Utilities: Usually included (up to a baseline usage).
- Lease: Month-to-month, easy termination with PCS orders.
Pros: No security deposits, no credit checks, short commute, community support.
Cons: You never see a penny of your BAH. If BAH rates go up, your rent goes up to match it instantly.
Option 2: Living Off-Base
Renting or buying in the local community gives you control over your budget.
The Financials
- Cost: Market rent. If rent < BAH, you keep the difference!
- Utilities: You pay out of pocket (electricity, water, internet).
- Lease: Standard 12-month leases (ensure you have a Military Clause).
Pros: Potential to pocket $200-$500/month if you find a deal. You choose your neighborhood and school district.
Cons: Commute traffic, security deposits, utility fluctuations, mowing your own lawn.
The Verdict
Choose On-Base if: You have a large family (4+ bedrooms are hard to find cheap off-base), you want distinct community safety, or you want zero financial surprises.
Choose Off-Base if: You are single, a dual-income couple without kids, or stationed in a low-cost area where market rents are significantly below the BAH rate. This is the #1 way savvy service members build savings.