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MCAGCC Twentynine Palms: rent or buy? (2026)
E-5 with dependents: $1,980/mo BAH.
- Typical 3BR rent: $2,912 (HUD FY2026). About $932/mo over BAH.
- Typical home: $548,565 in San Bernardino County CA (Zillow, Sept 2026).
- VA loan, $0 down: about $4,428/mo with tax and insurance (est.).
- O-3 with dependents: $2,814/mo BAH.
Your plan for 29 Palms
2026 BAH at MCAGCC Twentynine Palms
Military Housing Area CA032: Twenty Nine Palms MCB, CA. Duty ZIP 92278. Monthly rates from DTMO, effective Jan 1, 2026. Confirm your ZIP on the DTMO lookup.
| Grade | With dependents | Without |
|---|---|---|
| E-1 | $1,896 | $1,755 |
| E-2 | $1,896 | $1,755 |
| E-3 | $1,896 | $1,755 |
| E-4 | $1,896 | $1,755 |
| E-5 | $1,980 | $1,782 |
| E-6 | $2,550 | $1,914 |
| E-7 | $2,649 | $1,986 |
| E-8 | $2,751 | $2,097 |
| E-9 | $2,892 | $2,265 |
| W-1 | $2,571 | $1,929 |
| W-2 | $2,688 | $2,094 |
| W-3 | $2,817 | $2,286 |
| W-4 | $2,919 | $2,571 |
| W-5 | $3,051 | $2,670 |
| O-1E | $2,664 | $1,998 |
| O-2E | $2,796 | $2,229 |
| O-3E | $2,940 | $2,544 |
| O-1 | $2,052 | $1,809 |
| O-2 | $2,544 | $1,989 |
| O-3 | $2,814 | $2,343 |
| O-4 | $3,090 | $2,646 |
| O-5 | $3,291 | $2,703 |
| O-6 | $3,318 | $2,796 |
| O-7+ | $3,342 | $2,841 |
Rent near 29 Palms
| Size | HUD FY2026 Fair Market Rent |
|---|---|
| Studio | $1,692 |
| 1 bedroom | $1,777 |
| 2 bedrooms | $2,201 |
| 3 bedrooms | $2,912 |
| 4 bedrooms | $3,514 |
Riverside-San Bernardino-Ontario, CA MSA (San Bernardino County CA). 40th-percentile rent including utilities. Zillow ZORI (all sizes, Sept 2026): $2,479.
Buying with a VA loan
- Typical home value
- $548,565 (Zillow ZHVI, San Bernardino County CA, Sept 2026)
- Loan, $0 down
- $560,359 incl. 2.15% funding fee (first use)
- Principal + interest
- $3,880/mo at 7.4% (Freddie Mac avg, 2026-10-15)
- Property tax (est.)
- $320/mo (0.7% of value, Census ACS)
- Insurance (placeholder)
- $229/mo
- Total (est.)
- $4,428/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 MCAGCC Twentynine Palms?
For an E-5 with dependents it's $1,980 a month; without dependents $1,782. O-3 with dependents: $2,814. Military Housing Area CA032 (Twenty Nine Palms MCB, CA). Source: DTMO 2026 rates.
How much is rent near MCAGCC Twentynine Palms?
HUD's FY2026 Fair Market Rent for San Bernardino County CA: $2,201 for 2 bedrooms, $2,912 for 3 bedrooms, including utilities. Zillow's typical observed rent (all sizes) was $2,479 in Sept 2026.
Should I buy a house at MCAGCC Twentynine Palms?
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 MCAGCC Twentynine Palms?
With full entitlement there's no VA loan limit. With partial entitlement, VA uses the 2026 FHFA one-unit limit for San Bernardino County CA: $832,750.