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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%
VA loans in Dallas
Two VA medical centers, south vs. northeast Dallas, hail and clay foundations.
- Nearest VA care
- Dallas & Garland VA Medical Centers
- Dallas County avg. tax
- 1.58%
VA loans in Fort Worth
Guard and Reserve at NAS JRB, west side to Aledo and Burleson, MUD fees.
- BAH, E-5 with dependents
- $2,118
- Tarrant County avg. tax
- 1.65%
VA loans in Arlington & Mansfield
Between both downtowns, three-county Mansfield, and the Grand Prairie VA Clinic.
- Nearest VA care
- Grand Prairie VA Clinic
- Tarrant County avg. tax
- 1.65%
VA loans in Collin County
No VA loan limit at Collin County prices, MUD and PID fees, new construction.
- Nearest VA care
- Plano VA Clinic
- Collin County avg. tax
- 1.58%
VA loans in Denton County
Lake living, horse country, MUD fees and wells and septic up north.
- Nearest VA care
- Denton VA Clinic
- Denton County avg. tax
- 1.61%
VA loans in Houston
No zoning and deed restrictions, MUD taxes, flood zones and drilling at Ellington Field.
- Nearest VA care
- Michael E. DeBakey VA Medical Center
- Harris County avg. tax
- 1.62%
VA loans in Katy & Sugar Land
Levee and MUD districts, the Addicks and Barker reservoirs, and new builds along the Grand Parkway.
- Nearest VA care
- Katy, Sugar Land & Richmond VA Clinics
- Fort Bend County avg. tax
- 1.86%
VA loans in The Woodlands & Conroe
Lake Conroe living, how The Woodlands Township tax works, and MUDs north of Houston.
- Nearest VA care
- Conroe VA Clinic
- Montgomery County avg. tax
- 1.52%
VA loans in Galveston & League City
Island vs. mainland, VA-approved condos, flood and TWIA windstorm insurance.
- Nearest VA care
- Galveston County VA Clinic
- Galveston County avg. tax
- 1.41%
VA loans in Beaumont & Port Arthur
Plant and shift income, storm history, and flood and windstorm insurance in the Golden Triangle.
- Nearest VA care
- Beaumont VA Clinic
- Jefferson County avg. tax
- 1.53%
VA loans in Austin
Toll-road commutes, MUD and PID taxes, no VA loan limit at Austin prices, and the Austin VA Clinic.
- Nearest VA care
- Austin & Cedar Park VA Clinics
- Travis County avg. tax
- 1.48%
VA loans in Round Rock & Georgetown
55+ communities, new builds in Hutto and Taylor, and VA care in Cedar Park or Temple.
- Nearest VA care
- Cedar Park VA Clinic
- Williamson County avg. tax
- 1.61%
VA loans in San Marcos & New Braunfels
River and Canyon Lake homes, flood zones, MUD taxes and life between San Antonio and Austin.
- Nearest VA care
- New Braunfels VA Clinic
- Comal County avg. tax
- 1.13%
VA loans in Temple & Belton
Living near the VA medical center, hospital careers, and acreage and barndominiums east of I-35.
- Nearest VA care
- Olin E. Teague Veterans’ Center
- Bell County avg. tax
- 1.44%
VA loans in Waco
Older and renovated homes and the VA appraisal, Lake Waco and the Brazos, and VA care in town.
- Nearest VA care
- Doris Miller VA Medical Center
- McLennan County avg. tax
- 1.43%
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 | Fort Worth guide |
| Camp Mabry (Texas Military Department) | Austin | $2,241 | $3,447 | Austin guide |
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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