Hill AFB: rent or buy? (2026)
E-5 with dependents: $2,118/mo BAH.
- Typical 3BR rent: $2,163 (HUD FY2026). About $45/mo over BAH.
- Typical home: $553,103 in Davis County UT (Zillow, Sept 2026).
- VA loan, $0 down: about $4,387/mo with tax and insurance (est.).
- O-3 with dependents: $2,361/mo BAH.
Your plan for Hill
2026 BAH at Hill AFB
Military Housing Area UT291: Ogden/Hill AFB, UT. Duty ZIP 84056. Monthly rates from DTMO, effective Jan 1, 2026. Confirm your ZIP on the DTMO lookup.
| Grade | With dependents | Without |
|---|---|---|
| E-1 | $1,932 | $1,545 |
| E-2 | $1,932 | $1,545 |
| E-3 | $1,932 | $1,545 |
| E-4 | $1,932 | $1,545 |
| E-5 | $2,118 | $1,668 |
| E-6 | $2,229 | $1,761 |
| E-7 | $2,271 | $1,935 |
| E-8 | $2,325 | $2,145 |
| E-9 | $2,418 | $2,166 |
| W-1 | $2,244 | $1,875 |
| W-2 | $2,295 | $2,142 |
| W-3 | $2,364 | $2,172 |
| W-4 | $2,436 | $2,229 |
| W-5 | $2,538 | $2,283 |
| O-1E | $2,277 | $2,115 |
| O-2E | $2,349 | $2,160 |
| O-3E | $2,454 | $2,214 |
| O-1 | $2,139 | $1,740 |
| O-2 | $2,226 | $2,058 |
| O-3 | $2,361 | $2,181 |
| O-4 | $2,565 | $2,265 |
| O-5 | $2,715 | $2,292 |
| O-6 | $2,733 | $2,340 |
| O-7+ | $2,751 | $2,376 |
Rent near Hill
| Size | HUD FY2026 Fair Market Rent |
|---|---|
| Studio | $1,208 |
| 1 bedroom | $1,281 |
| 2 bedrooms | $1,614 |
| 3 bedrooms | $2,163 |
| 4 bedrooms | $2,612 |
Ogden, UT MSA (Davis County UT). 40th-percentile rent including utilities. Zillow ZORI (all sizes, Sept 2026): $1,763.
Buying with a VA loan
- Typical home value
- $553,103 (Zillow ZHVI, Davis County UT, Sept 2026)
- Loan, $0 down
- $564,995 incl. 2.15% funding fee (first use)
- Principal + interest
- $3,912/mo at 7.4% (Freddie Mac avg, 2026-10-15)
- Property tax (est.)
- $244/mo (0.53% of value, Census ACS)
- Insurance (placeholder)
- $230/mo
- Total (est.)
- $4,387/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 Hill AFB?
For an E-5 with dependents it's $2,118 a month; without dependents $1,668. O-3 with dependents: $2,361. Military Housing Area UT291 (Ogden/Hill AFB, UT). Source: DTMO 2026 rates.
How much is rent near Hill AFB?
HUD's FY2026 Fair Market Rent for Davis County UT: $1,614 for 2 bedrooms, $2,163 for 3 bedrooms, including utilities. Zillow's typical observed rent (all sizes) was $1,763 in Sept 2026.
Should I buy a house at Hill 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 Hill AFB?
With full entitlement there's no VA loan limit. With partial entitlement, VA uses the 2026 FHFA one-unit limit for Davis County UT: $832,750.