Fort Cavazos Housing Tools
Buy vs. RentPCS Calculator
Should you buy or rent at Fort Hood? Enter your PCS timeline and see the real numbers side by side.
Updated for 2026 BAH rates • VA loan terms • Real Bell County tax rates
Your Situation
Enter Your Details
Monthly BAH
$1,695
4.00%5.750%8.00%
0%3.5%8%
Rent Scenario
Monthly Cost—
Total Rent Paid—
Renter's Insurance—
Money Recovered$0
Net Cost—
Buy Scenario
Monthly PITI—
Total Payments—
Maintenance—
Equity + Appreciation—
Net Cost—
—
Cost Over Time
Cumulative Net Cost: Rent vs. Buy
Renting Buying Break-Even Point
Methodology
Assumptions
- VA loan: 0% down payment, no PMI
- VA funding fee: 2.15% (first use, rolled into loan)
- 30-year fixed-rate mortgage
- Renter's insurance: $25/month
- Homeowner's insurance: 0.85% of home value annually
- Closing costs to sell: 7% (commissions + title + fees)
- Average maintenance: 1% of home value per year
- Property tax rates: real Bell County city rates
- BAH rates: 2026 Fort Cavazos (Hood) published rates
- No rent increases assumed (conservative for renting)
Important: This calculator assumes you sell when you PCS. If you keep the property as a rental, the numbers change significantly. Ask me about investment analysis.
Ready to Run the Numbers on a Real Property?
I help Fort Hood families buy smart with VA loans. $27M+ in transactions. Let's find your best move.
LAST UPDATED: MARCH 8, 2026