Offutt AFB: rent or buy? (2026)
E-5 with dependents: $2,085/mo BAH.
- Typical 3BR rent: $1,813 (HUD FY2026). You keep about $272/mo.
- Typical home: $356,669 in Sarpy County NE (Zillow, Sept 2026).
- VA loan, $0 down: about $3,188/mo with tax and insurance (est.).
- O-3 with dependents: $2,601/mo BAH.
Your plan for Offutt
2026 BAH at Offutt AFB
Military Housing Area NE192: Omaha/Offutt AFB, NE. Duty ZIP 68113. Monthly rates from DTMO, effective Jan 1, 2026. Confirm your ZIP on the DTMO lookup.
| Grade | With dependents | Without |
|---|---|---|
| E-1 | $1,887 | $1,425 |
| E-2 | $1,887 | $1,425 |
| E-3 | $1,887 | $1,425 |
| E-4 | $1,887 | $1,425 |
| E-5 | $2,085 | $1,587 |
| E-6 | $2,376 | $1,779 |
| E-7 | $2,457 | $1,893 |
| E-8 | $2,547 | $2,148 |
| E-9 | $2,706 | $2,229 |
| W-1 | $2,394 | $1,827 |
| W-2 | $2,493 | $2,145 |
| W-3 | $2,604 | $2,241 |
| W-4 | $2,742 | $2,388 |
| W-5 | $2,913 | $2,475 |
| O-1E | $2,472 | $2,082 |
| O-2E | $2,586 | $2,211 |
| O-3E | $2,769 | $2,367 |
| O-1 | $2,127 | $1,683 |
| O-2 | $2,373 | $2,022 |
| O-3 | $2,601 | $2,268 |
| O-4 | $2,967 | $2,454 |
| O-5 | $3,231 | $2,502 |
| O-6 | $3,258 | $2,583 |
| O-7+ | $3,279 | $2,625 |
Rent near Offutt
| Size | HUD FY2026 Fair Market Rent |
|---|---|
| Studio | $1,090 |
| 1 bedroom | $1,148 |
| 2 bedrooms | $1,368 |
| 3 bedrooms | $1,813 |
| 4 bedrooms | $2,046 |
Omaha-Council Bluffs, NE-IA HUD Metro FMR Area (Sarpy County NE). 40th-percentile rent including utilities. Zillow ZORI (all sizes, Sept 2026): $1,489.
Buying with a VA loan
- Typical home value
- $356,669 (Zillow ZHVI, Sarpy County NE, Sept 2026)
- Loan, $0 down
- $364,337 incl. 2.15% funding fee (first use)
- Principal + interest
- $2,523/mo at 7.4% (Freddie Mac avg, 2026-10-15)
- Property tax (est.)
- $517/mo (1.74% of value, Census ACS)
- Insurance (placeholder)
- $149/mo
- Total (est.)
- $3,188/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 Offutt AFB?
For an E-5 with dependents it's $2,085 a month; without dependents $1,587. O-3 with dependents: $2,601. Military Housing Area NE192 (Omaha/Offutt AFB, NE). Source: DTMO 2026 rates.
How much is rent near Offutt AFB?
HUD's FY2026 Fair Market Rent for Sarpy County NE: $1,368 for 2 bedrooms, $1,813 for 3 bedrooms, including utilities. Zillow's typical observed rent (all sizes) was $1,489 in Sept 2026.
Should I buy a house at Offutt 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 Offutt AFB?
With full entitlement there's no VA loan limit. With partial entitlement, VA uses the 2026 FHFA one-unit limit for Sarpy County NE: $832,750.