Military Pay & Home Affordability Calculator

Select your paygrade, years of service, and duty station to estimate your military income, then see roughly how much home you could qualify for based on your debt-to-income ratio.

Military Pay

Paygrade
Basic pay estimates use published 2026 DFAS rates — verify your exact rate on your LES.
Years of Service
0 yrs30 yrs

Dependency Status

Duty Station ZIP Code
Enter your 5-digit ZIP code to auto-detect your installation below.
Installation (auto-detected — you can also pick manually)
BAH rates below are official 2026 DTMO rates for the listed installation. If your ZIP isn't recognized or your base isn't listed, "Other / National Average" is used — adjust BAH manually using the official BAH Rate Lookup.
Monthly BAH
$0$6,000

Co-Borrower Income

Co-Borrower Monthly Income
$0$15,000
Gross monthly income, before taxes

Monthly Debts

Be sure to include your co-borrower's debts here too, if applicable.
Min. Credit Card Payments
$0$3,000
Car Loan Payments
$0$3,000
Student Loan Payments
$0$2,000
Other Monthly Debts
$0$3,000

Home Affordability Assumptions

Down Payment
$0$200,000
Interest Rate
1%15%
Rate shown is based on a 700 FICO score. The average VA loan interest rate today is around 6%. Your actual rate will vary based on credit, loan type, and market conditions.

Loan Term

VA Funding Fee

Property Tax (Monthly)
$
Home Insurance (Monthly)
$
HOA (Monthly)
$
Max Debt-to-Income Ratio
30%55%
VA loans typically guideline at 41% but often allow more with strong residual income or automated underwriting approval.

Your Military Pay (Monthly)

BAH & BAS below are automatically grossed up 25% — the standard lending convention for non-taxable income.
Basic Pay$0
BAH (Housing, grossed up)$0
BAS (Food, grossed up)$0
Annual Military Income$0
Co-Borrower Monthly Income$0

Affordability Breakdown

Qualifying Monthly Income$0
Max Total Monthly Debt (at your DTI)$0
Less: Other Monthly Debts$0
Max Monthly Housing Payment$0

Estimated Max Home Price

$0

Based on your qualifying income, debts, and DTI ratio.

Have a Question About Your Scenario?

This calculator provides an estimate only and is not affiliated with the Department of Defense. Basic pay figures are estimates based on published 2026 DFAS rates — verify your exact pay on your LES. BAH for listed installations reflects official 2026 DTMO rates by Military Housing Area; "Other / National Average" is an estimate only. Qualifying income, DTI guidelines, and affordability vary by lender, loan program, and credit profile. This is not a pre-qualification. Contact Bryce Pierce for an actual pre-qualification.

Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!

quick info

Your VA Loan Advisor

Bryce Pierce

Bryce Pierce NMLS #2415547 | Client Direct Mortgage| 2700 Ygnacio Valley Road suite 255 Walnut Creek, CA 94598 | NMLS# 1065732 | Email: [email protected] Phone Number: (949) 813-4713 | https://nmlsconsumeraccess.org