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Joint Base Langley-Eustis: rent or buy? (2026)
E-5 with dependents: $2,274/mo BAH.
- Typical 3BR rent: $2,376 (HUD FY2026). About $102/mo over BAH.
- Typical home: $279,270 in Hampton VA (Zillow, Sept 2026).
- VA loan, $0 down: about $2,313/mo with tax and insurance (est.).
- O-3 with dependents: $2,475/mo BAH.
Your plan for Langley-Eustis
2026 BAH at Joint Base Langley-Eustis
Military Housing Area VA297: Hampton/Newport News, VA. Duty ZIP 23665. Monthly rates from DTMO, effective Jan 1, 2026. Confirm your ZIP on the DTMO lookup.
| Grade | With dependents | Without |
|---|---|---|
| E-1 | $2,082 | $1,599 |
| E-2 | $2,082 | $1,599 |
| E-3 | $2,082 | $1,599 |
| E-4 | $2,082 | $1,599 |
| E-5 | $2,274 | $1,779 |
| E-6 | $2,421 | $1,905 |
| E-7 | $2,439 | $2,088 |
| E-8 | $2,457 | $2,310 |
| E-9 | $2,571 | $2,343 |
| W-1 | $2,436 | $2,022 |
| W-2 | $2,445 | $2,307 |
| W-3 | $2,478 | $2,349 |
| W-4 | $2,610 | $2,415 |
| W-5 | $2,778 | $2,439 |
| O-1E | $2,442 | $2,271 |
| O-2E | $2,466 | $2,334 |
| O-3E | $2,637 | $2,409 |
| O-1 | $2,301 | $1,884 |
| O-2 | $2,418 | $2,214 |
| O-3 | $2,475 | $2,361 |
| O-4 | $2,835 | $2,427 |
| O-5 | $3,099 | $2,442 |
| O-6 | $3,123 | $2,451 |
| O-7+ | $3,144 | $2,493 |
Rent near Langley-Eustis
| Size | HUD FY2026 Fair Market Rent |
|---|---|
| Studio | $1,492 |
| 1 bedroom | $1,512 |
| 2 bedrooms | $1,713 |
| 3 bedrooms | $2,376 |
| 4 bedrooms | $2,797 |
Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Area (Hampton VA). 40th-percentile rent including utilities. Zillow ZORI (all sizes, Sept 2026): $1,691.
Buying with a VA loan
- Typical home value
- $279,270 (Zillow ZHVI, Hampton VA, Sept 2026)
- Loan, $0 down
- $285,274 incl. 2.15% funding fee (first use)
- Principal + interest
- $1,975/mo at 7.4% (Freddie Mac avg, 2026-10-15)
- Property tax (est.)
- $221/mo (0.95% of value, Census ACS)
- Insurance (placeholder)
- $116/mo
- Total (est.)
- $2,313/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 Joint Base Langley-Eustis?
For an E-5 with dependents it's $2,274 a month; without dependents $1,779. O-3 with dependents: $2,475. Military Housing Area VA297 (Hampton/Newport News, VA). Source: DTMO 2026 rates.
How much is rent near Joint Base Langley-Eustis?
HUD's FY2026 Fair Market Rent for Hampton VA: $1,713 for 2 bedrooms, $2,376 for 3 bedrooms, including utilities. Zillow's typical observed rent (all sizes) was $1,691 in Sept 2026.
Should I buy a house at Joint Base Langley-Eustis?
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 Joint Base Langley-Eustis?
With full entitlement there's no VA loan limit. With partial entitlement, VA uses the 2026 FHFA one-unit limit for Hampton VA: $832,750.