Home Loans for Active Duty Military
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Military Buy vs Rent Calculator

Military Information

Enter your military details to auto-fetch BAH rate and base pay

Rent

Buy (VA Loan)

Advanced Options

Tax Information

Note: Military base pay is not subject to federal income tax. Only additional taxable income affects capital gains rates.

This affects the calculated capital gains tax rates used in this analysis. The tax bracket values are based on 2025 capital gains tax brackets, pulled on 1-22-2026.

Opportunity Cost

Include Investment Opportunity Cost Factor in potential returns if down payment/savings were invested instead

This calculates the potential growth of: (1) the down payment amount, and (2) monthly savings differences between renting vs buying, if invested instead.

Enter your details and click Calculate to see results

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