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VA loans by Texas city and military base
Every Texas military town is different: BAH, property taxes, commutes and the homes themselves. Pick your city for a local guide, or find your base below.
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Texas city guides for Veterans and service members
VA loans in San Antonio
Military City USA: where to live near each JBSA gate and VA care, plus Hill Country land.
- BAH, E-5 with dependents
- $1,869
- Bexar County avg. tax
- 1.73%
VA loans in Killeen
Killeen, Harker Heights, Copperas Cove and Belton, plus what PCS turnover means for home condition.
- BAH, E-5 with dependents
- $1,695
- Bell County avg. tax
- 1.44%
VA loans in El Paso
Northeast, East and West El Paso, higher tax rates, and Texas vs. New Mexico.
- BAH, E-5 with dependents
- $1,809
- El Paso County avg. tax
- 2.03%
VA loans in Abilene
Southwest Abilene, Wylie and Tye, the temporary 2026 BAH increase, and West Texas insurance.
- BAH, E-5 with dependents
- $1,872
- Taylor County avg. tax
- 1.37%
VA loans in McAllen, Edinburg & Mission
Winter Texans buying full-time, manufactured homes, Valley flooding and VA care.
- Nearest VA care
- McAllen VA Clinic
- Hidalgo County avg. tax
- 1.62%
VA loans in Harlingen
Home of the Valley’s main VA campus, windstorm insurance and the resacas.
- Nearest VA care
- Harlingen VA Health Care Center
- Cameron County avg. tax
- 1.5%
VA loans in Brownsville
Rancho Viejo to Los Fresnos, coastal insurance and older homes.
- Nearest VA care
- Brownsville VA Clinic
- Cameron County avg. tax
- 1.5%
VA loans in South Padre Island
Living on the island full-time, VA-approved condos, windstorm and flood insurance.
- Nearest VA care
- Brownsville VA Clinic
- Cameron County avg. tax
- 1.5%
VA loans in Laredo
North and east Laredo, higher tax rates and new construction.
- Nearest VA care
- Laredo VA Clinic
- Webb County avg. tax
- 1.8%
2026 BAH by Texas military base
Monthly BAH for an E-5 and an O-3 with dependents. My team grosses BAH up by 25% when we qualify you, because it isn’t taxed. Abilene shows the Defense Department’s temporary rate through December 31, 2026. See every grade on the Texas BAH page.
| Installation | City | E-5 | O-3 | Local guide |
|---|---|---|---|---|
| Joint Base San Antonio (Lackland, Fort Sam Houston, Randolph) | San Antonio | $1,869 | $2,127 | San Antonio guide |
| Fort Hood | Killeen | $1,695 | $2,340 | Killeen guide |
| Fort Bliss | El Paso | $1,809 | $2,202 | El Paso guide |
| Dyess AFB | Abilene | $1,872 | $2,859 | Abilene guide |
| Goodfellow AFB | San Angelo | $1,578 | $2,193 | Ask my team |
| Sheppard AFB | Wichita Falls | $1,491 | $2,325 | Ask my team |
| Laughlin AFB | Del Rio | $1,470 | $2,121 | Ask my team |
| NAS Corpus Christi | Corpus Christi | $1,788 | $2,475 | Ask my team |
| NAS Kingsville | Kingsville | $1,788 | $2,475 | Ask my team |
| NAS JRB Fort Worth | Fort Worth | $2,118 | $2,460 | Ask my team |
| Camp Mabry (Texas Military Department) | Austin | $2,241 | $3,447 | Ask my team |
The same benefits in every Texas city
- $0 down with full VA entitlement, and no monthly mortgage insurance.
- No minimum credit score on a standard VA purchase or refinance with my team. We look first at residual income.
- No VA funding fee if you receive VA disability compensation.
- Texas disabled Veteran property tax exemptions: a full homestead exemption at 100% or individual unemployability, and $5,000 to $12,000 off taxable value at 10% to 99%. How they work
- The Texas Vet loan from the Texas Veterans Land Board, which can be paired with a VA loan, with a lower rate for Veterans rated 30% or more. Texas Vet loans
County tax figures are average effective rates (median property tax paid ÷ median home value, U.S. Census Bureau American Community Survey 2020–2024). Your estimate uses the exact rate for your address.
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