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Davis-Monthan AFB: rent or buy? (2026)
E-5 with dependents: $1,905/mo BAH.
- Typical 3BR rent: $1,950 (HUD FY2026). About $45/mo over BAH.
- Typical home: $335,772 in Pima County AZ (Tucson) (Zillow, Sept 2026).
- VA loan, $0 down: about $2,713/mo with tax and insurance (est.).
- O-3 with dependents: $2,199/mo BAH.
Your plan for Davis-Monthan
2026 BAH at Davis-Monthan AFB
Military Housing Area AZ015: Davis-Monthan AFB, AZ. Duty ZIP 85707. Monthly rates from DTMO, effective Jan 1, 2026. Confirm your ZIP on the DTMO lookup.
| Grade | With dependents | Without |
|---|---|---|
| E-1 | $1,695 | $1,272 |
| E-2 | $1,695 | $1,272 |
| E-3 | $1,695 | $1,272 |
| E-4 | $1,695 | $1,272 |
| E-5 | $1,905 | $1,428 |
| E-6 | $2,121 | $1,587 |
| E-7 | $2,145 | $1,701 |
| E-8 | $2,178 | $1,953 |
| E-9 | $2,253 | $2,007 |
| W-1 | $2,136 | $1,632 |
| W-2 | $2,157 | $1,950 |
| W-3 | $2,202 | $2,019 |
| W-4 | $2,274 | $2,118 |
| W-5 | $2,373 | $2,151 |
| O-1E | $2,148 | $1,902 |
| O-2E | $2,190 | $1,995 |
| O-3E | $2,289 | $2,109 |
| O-1 | $1,938 | $1,482 |
| O-2 | $2,118 | $1,839 |
| O-3 | $2,199 | $2,037 |
| O-4 | $2,400 | $2,139 |
| O-5 | $2,550 | $2,154 |
| O-6 | $2,568 | $2,175 |
| O-7+ | $2,583 | $2,211 |
Rent near Davis-Monthan
| Size | HUD FY2026 Fair Market Rent |
|---|---|
| Studio | $967 |
| 1 bedroom | $1,081 |
| 2 bedrooms | $1,402 |
| 3 bedrooms | $1,950 |
| 4 bedrooms | $2,245 |
Tucson, AZ MSA (Pima County AZ (Tucson)). 40th-percentile rent including utilities. Zillow ZORI (all sizes, Sept 2026): $1,488.
Buying with a VA loan
- Typical home value
- $335,772 (Zillow ZHVI, Pima County AZ (Tucson), Sept 2026)
- Loan, $0 down
- $342,991 incl. 2.15% funding fee (first use)
- Principal + interest
- $2,375/mo at 7.4% (Freddie Mac avg, 2026-10-15)
- Property tax (est.)
- $199/mo (0.71% of value, Census ACS)
- Insurance (placeholder)
- $140/mo
- Total (est.)
- $2,713/mo
- 2026 loan limit
- $832,750 (only matters with partial entitlement)
All numbers are estimates for planning. BAH: DTMO 2026. Rent: HUD FY2026 FMR. Home value: Zillow ZHVI, Sept 2026. Rate: Freddie Mac 7.4% (2026-10-15). Tax: Census ACS county median. Insurance: our placeholder (0.5% of value, min $1,200/yr), not a quote.
FAQ
What is the 2026 BAH at Davis-Monthan AFB?
For an E-5 with dependents it's $1,905 a month; without dependents $1,428. O-3 with dependents: $2,199. Military Housing Area AZ015 (Davis-Monthan AFB, AZ). Source: DTMO 2026 rates.
How much is rent near Davis-Monthan AFB?
HUD's FY2026 Fair Market Rent for Pima County AZ (Tucson): $1,402 for 2 bedrooms, $1,950 for 3 bedrooms, including utilities. Zillow's typical observed rent (all sizes) was $1,488 in Sept 2026.
Should I buy a house at Davis-Monthan AFB?
It depends on how long you'll stay and whether you'd keep it as a rental. Run the planner above with your rank and plans.
What's the VA loan limit near Davis-Monthan AFB?
With full entitlement there's no VA loan limit. With partial entitlement, VA uses the 2026 FHFA one-unit limit for Pima County AZ (Tucson): $832,750.