Fort Sill: rent or buy? (2026)
E-5 with dependents: $1,233/mo BAH.
- Typical 3BR rent: $1,392 (HUD FY2026). About $159/mo over BAH.
- Typical home: $159,044 in Comanche County OK (Zillow, Sept 2026).
- VA loan, $0 down: about $1,341/mo with tax and insurance (est.).
- O-3 with dependents: $1,758/mo BAH.
Your plan for Fort Sill
2026 BAH at Fort Sill
Military Housing Area OK237: Fort Sill/Lawton, OK. Duty ZIP 73503. Monthly rates from DTMO, effective Jan 1, 2026. Confirm your ZIP on the DTMO lookup.
| Grade | With dependents | Without |
|---|---|---|
| E-1 | $1,203 | $969 |
| E-2 | $1,203 | $969 |
| E-3 | $1,203 | $969 |
| E-4 | $1,203 | $969 |
| E-5 | $1,233 | $1,092 |
| E-6 | $1,494 | $1,170 |
| E-7 | $1,587 | $1,209 |
| E-8 | $1,692 | $1,290 |
| E-9 | $1,842 | $1,383 |
| W-1 | $1,509 | $1,206 |
| W-2 | $1,632 | $1,287 |
| W-3 | $1,761 | $1,386 |
| W-4 | $1,872 | $1,509 |
| W-5 | $2,013 | $1,611 |
| O-1E | $1,605 | $1,230 |
| O-2E | $1,740 | $1,344 |
| O-3E | $1,893 | $1,482 |
| O-1 | $1,272 | $1,167 |
| O-2 | $1,491 | $1,227 |
| O-3 | $1,758 | $1,395 |
| O-4 | $2,055 | $1,587 |
| O-5 | $2,271 | $1,704 |
| O-6 | $2,286 | $1,740 |
| O-7+ | $2,298 | $1,767 |
Rent near Fort Sill
| Size | HUD FY2026 Fair Market Rent |
|---|---|
| Studio | $779 |
| 1 bedroom | $784 |
| 2 bedrooms | $1,001 |
| 3 bedrooms | $1,392 |
| 4 bedrooms | $1,679 |
Lawton, OK HUD Metro FMR Area (Comanche County OK). 40th-percentile rent including utilities. Zillow ZORI (all sizes, Sept 2026): $1,126.
Buying with a VA loan
- Typical home value
- $159,044 (Zillow ZHVI, Comanche County OK, Sept 2026)
- Loan, $0 down
- $162,463 incl. 2.15% funding fee (first use)
- Principal + interest
- $1,125/mo at 7.4% (Freddie Mac avg, 2026-10-15)
- Property tax (est.)
- $117/mo (0.88% of value, Census ACS)
- Insurance (placeholder)
- $100/mo
- Total (est.)
- $1,341/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 Fort Sill?
For an E-5 with dependents it's $1,233 a month; without dependents $1,092. O-3 with dependents: $1,758. Military Housing Area OK237 (Fort Sill/Lawton, OK). Source: DTMO 2026 rates.
How much is rent near Fort Sill?
HUD's FY2026 Fair Market Rent for Comanche County OK: $1,001 for 2 bedrooms, $1,392 for 3 bedrooms, including utilities. Zillow's typical observed rent (all sizes) was $1,126 in Sept 2026.
Should I buy a house at Fort Sill?
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 Fort Sill?
With full entitlement there's no VA loan limit. With partial entitlement, VA uses the 2026 FHFA one-unit limit for Comanche County OK: $832,750.