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Fort Hood Housing Tools

Buy vs. Rent PCS Calculator

Should you buy or rent at Fort Hood? Enter your PCS timeline and see the real numbers side by side — rank, BAH, tour length, and the exact break-even month.

2026 BAH rates VA loan terms Real Bell County tax rates
The short answer

Under this calculator’s default assumptions, buying reaches break-even near month 28–29. That is a modeled scenario, not a prediction for your home or tour. Change the rate, price, rent, and annual home price change below; shorter tours or falling home values can leave you owing cash when you sell.

In the worked example below, an E-5 with dependents ($1,695/mo BAH) buying a $195,000 home in Killeen saves $5,117 by buying over a 3-year tour under the modeled assumptions. On a 1-year tour, the same scenario favors renting by $10,568, including the buyer’s $8,933 cash shortfall at sale. Buyer closing costs are excluded. Change the inputs below to test your own timeline.

A VA loan can offer 0% down and no PMI, but other closing costs may still be due. This model finances a 2.15% funding fee; some borrowers are exempt. Review your lender’s Loan Estimate. Keeping the home as a rental requires a separate analysis of rent, vacancy, repairs, and management costs.

Where does buying overtake renting?

Buying carries upfront friction — closing costs to sell, the funding fee, and early payments that are mostly interest. The longer you hold, the more equity and appreciation you recover. This timeline shows the modeled break-even point against common Fort Hood tour lengths at default assumptions (5.75% rate, 3.5% appreciation).

NowMonth 0
1 yrRent wins
2 yr
3 yrBuy wins
4 yr
5 yr
6 yr
Renting ahead Break-even (≈ month 29) Buying ahead

What the numbers look like by rank and tour

These scenarios use the same engine as the live calculator below — default 5.75% rate, 3.5% annual appreciation, with dependents, and a purchase price set to the maximum your BAH supports. They compare modeled costs to rent vs. buy over the tour; buyer closing costs are excluded.

Profile Tour City BAH / mo Home price Buy PITI / mo Net cost to rent Net cost to buy Verdict Break-even
E-5, dependents 3 years Killeen $1,695 $195,000 $1,694 $61,920 $56,803 BUY — saves $5,117 ~2 yr 5 mo
E-6, dependents 4 years Harker Heights $1,920 $225,000 $1,915 $93,360 $77,723 BUY — saves $15,637 ~2 yr 5 mo
O-3, dependents 3 years Temple $2,340 $265,000 $2,297 $85,140 $77,035 BUY — saves $8,105 ~2 yr 4 mo
E-5, dependents 1 year Killeen $1,695 $195,000 $1,694 $20,640 $31,208 RENT — saves $10,568 ~2 yr 5 mo

Net cost includes payments and maintenance, minus net sale proceeds after the remaining mortgage balance and 7% selling costs. Negative sale proceeds mean cash due at sale and increase the cost of buying. Buyer closing costs are not included in this model. The 1-year tour example shows why short PCS timelines favor renting: you sell before crossing the ~29-month break-even. Your real numbers depend on the home you buy, your rate, and whether you sell or keep the property as a rental.

⚡ Live calculator — run your scenario

Enter your details

Monthly BAH
$1,695
4.00%5.750%8.00%
-10%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
Net sale proceeds (negative = cash due)
Net Cost

Cumulative net cost: rent vs. buy

Renting Buying Break-Even Point

What this calculator assumes

  • VA loan: 0% down payment, no PMI
  • VA funding fee assumption: 2.15% (first use, rolled into loan; exemptions and other terms may apply). VA funding fee and closing-cost guidance.
  • 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 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. For purchase-price-only BAH math before you compare rent vs. buy, use the Fort Hood BAH-to-home calculator.

Fort Hood buy vs. rent FAQ

Does a VA loan require a down payment to buy a house near Fort Hood?
A VA loan can offer zero down payment and no PMI. The funding fee can be financed, and some borrowers are exempt. Other closing costs may still be due; review your lender’s Loan Estimate. This calculator excludes buyer closing costs.
Should I buy or rent near Fort Hood Texas?
Under this calculator’s default assumptions, buying reaches break-even around month 28–29. Your result depends on price, rent, rate, holding period, and changes in home value. Negative sale proceeds mean additional cash due at sale. Test a flat or declining-price scenario, and add buyer closing costs before deciding.
What is the 2026 BAH rate for Fort Hood?
2026 BAH rates for Fort Hood (Bell County, TX) with dependents: E-5 receives $1,695/month, E-6 receives $1,920/month, E-7 receives $2,070/month, and O-3 receives $2,340/month. 2026 rates rose 4.2% on average nationally; in the Killeen MHA, E-5 with dependents rose 7.2% ($1,581 to $1,695). Increases vary by grade.
What are the property tax rates near Fort Hood?
Property tax rates vary by city in Bell County. As of July 2026 estimates: Killeen ~2.42%, Harker Heights ~2.21%, Belton ~2.10%, and Temple ~2.40% effective. These rates include county, city, and school district taxes and change with annual assessments — verify the exact parcel at bellcad.org. VA loan buyers should factor these into their monthly PITI payment.
Can I keep my house as a rental when I PCS from Fort Hood?
Keeping the home is a different scenario from this calculator, which assumes a sale when you PCS. Compare expected rent with mortgage payments, vacancy, repairs, and management costs. Rental income does not automatically make buying cheaper; get a property-specific rental analysis before deciding.

Ready to run the numbers on a real property?

I help Fort Hood families buy smart with VA loans. $20M+ in closed real estate volume. Let’s find your best move.

Free Buy vs Rent Review

Want Taylor to sanity-check your PCS buy-vs-rent math?

Send your timeline, BAH band, and whether you might keep the house as a rental. Taylor will reply with the practical buy, rent, or wait recommendation.

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Taylor Dasch • EG Realty • (254) 718-4249dealswithdasch@gmail.com
Estimates for educational purposes only. Actual costs depend on credit, lender terms, property condition, and market changes. Consult a licensed lender for official figures.

Taylor Dasch · REALTOR® · Texas Real Estate License #0775435

EG Realty

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