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Wright-Patterson AFB: rent or buy? (2026)
E-5 with dependents: $1,650/mo BAH.
- Typical 3BR rent: $1,651 (HUD FY2026). About $1/mo over BAH.
- Typical home: $300,208 in Greene County OH (Zillow, Sept 2026).
- VA loan, $0 down: about $2,651/mo with tax and insurance (est.).
- O-3 with dependents: $2,097/mo BAH.
Your plan for Wright-Patt
2026 BAH at Wright-Patterson AFB
Military Housing Area OH231: Wright-Patterson AFB, OH. Duty ZIP 45433. Monthly rates from DTMO, effective Jan 1, 2026. Confirm your ZIP on the DTMO lookup.
| Grade | With dependents | Without |
|---|---|---|
| E-1 | $1,533 | $1,224 |
| E-2 | $1,533 | $1,224 |
| E-3 | $1,533 | $1,224 |
| E-4 | $1,533 | $1,224 |
| E-5 | $1,650 | $1,341 |
| E-6 | $1,851 | $1,422 |
| E-7 | $1,938 | $1,536 |
| E-8 | $2,037 | $1,695 |
| E-9 | $2,196 | $1,746 |
| W-1 | $1,866 | $1,506 |
| W-2 | $1,977 | $1,692 |
| W-3 | $2,100 | $1,755 |
| W-4 | $2,232 | $1,863 |
| W-5 | $2,397 | $1,959 |
| O-1E | $1,953 | $1,647 |
| O-2E | $2,082 | $1,734 |
| O-3E | $2,259 | $1,839 |
| O-1 | $1,683 | $1,413 |
| O-2 | $1,848 | $1,614 |
| O-3 | $2,097 | $1,773 |
| O-4 | $2,448 | $1,938 |
| O-5 | $2,703 | $2,028 |
| O-6 | $2,724 | $2,079 |
| O-7+ | $2,742 | $2,112 |
Rent near Wright-Patt
| Size | HUD FY2026 Fair Market Rent |
|---|---|
| Studio | $928 |
| 1 bedroom | $1,009 |
| 2 bedrooms | $1,273 |
| 3 bedrooms | $1,651 |
| 4 bedrooms | $1,817 |
Dayton-Kettering-Beavercreek, OH MSA (Greene County OH). 40th-percentile rent including utilities. Zillow ZORI (all sizes, Sept 2026): $1,610.
Buying with a VA loan
- Typical home value
- $300,208 (Zillow ZHVI, Greene County OH, Sept 2026)
- Loan, $0 down
- $306,662 incl. 2.15% funding fee (first use)
- Principal + interest
- $2,123/mo at 7.4% (Freddie Mac avg, 2026-10-15)
- Property tax (est.)
- $403/mo (1.61% of value, Census ACS)
- Insurance (placeholder)
- $125/mo
- Total (est.)
- $2,651/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 Wright-Patterson AFB?
For an E-5 with dependents it's $1,650 a month; without dependents $1,341. O-3 with dependents: $2,097. Military Housing Area OH231 (Wright-Patterson AFB, OH). Source: DTMO 2026 rates.
How much is rent near Wright-Patterson AFB?
HUD's FY2026 Fair Market Rent for Greene County OH: $1,273 for 2 bedrooms, $1,651 for 3 bedrooms, including utilities. Zillow's typical observed rent (all sizes) was $1,610 in Sept 2026.
Should I buy a house at Wright-Patterson 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 Wright-Patterson AFB?
With full entitlement there's no VA loan limit. With partial entitlement, VA uses the 2026 FHFA one-unit limit for Greene County OH: $832,750.