Should You Buy or Rent When PCSing to a New Base?

A Permanent Change of Station (PCS) move brings a lot of decisions, and one of the biggest is whether to buy or rent a home at your new duty station. Military families face unique challenges, such as unpredictable timelines and the possibility of moving again in a few years. So, how do you decide if buying or renting is the right move for your family?

Let’s break down the pros and cons of each option to help you make an informed decision.

Why Buying a Home Might Be the Right Move

1. Build Wealth Through Homeownership

When you buy a home, your monthly mortgage payments help you build equity instead of paying rent to a landlord. Over time, your home could increase in value, giving you a financial asset that can benefit you in the future.

📌 Example: If you purchase a home for $300,000 and its value increases by 3% per year, after five years, your home could be worth around $347,000—a $47,000 increase in value!

2. Use Your VA Loan Benefit

As an active-duty service member or veteran, you may be eligible for a VA loan, which allows you to:

✔️ Buy a home with zero down payment
✔️ Avoid private mortgage insurance (PMI)
✔️ Secure competitive interest rates
✔️ Enjoy flexible credit requirements

This makes homeownership more affordable for military families compared to conventional loans.

3. Tax Advantages for Homeowners

Owning a home comes with tax benefits, such as deductions for mortgage interest and property taxes, which can help you save money when tax season rolls around.

4. Stability for Your Family

If you expect to stay at your duty station for at least 3-5 years, buying a home can offer stability—especially for families with children who don’t want to change schools frequently.

5. Potential Rental Income

If you PCS again in a few years, you could turn your home into a rental property and earn passive income while another tenant pays your mortgage. Many military homeowners build long-term wealth this way!

Why Renting Might Be the Better Choice

1. Short-Term Flexibility

If you expect to PCS again within 1-3 years, renting may be the better option. It allows you to avoid the costs of selling a home, such as real estate agent fees, closing costs, and market fluctuations.

2. No Maintenance Responsibilities

When you rent, your landlord is responsible for repairs and maintenance, which can save you time, stress, and unexpected expenses.

3. Uncertainty About the Market

If you’re moving to an area where home values are unpredictable, renting gives you time to evaluate the market before making a big financial commitment.

4. Easier PCS Moves

If you get orders to move unexpectedly, breaking a lease is often easier than selling a home quickly—especially if the market is slow.

Key Factors to Consider When Deciding

Not sure whether to buy or rent? Ask yourself these questions:

✔️ How long will I be stationed here? If it’s 3+ years, buying may be a smart investment.
✔️ Can I afford the upfront costs of homeownership? While VA loans require zero down, you’ll still need money for closing costs, home maintenance, and property taxes.
✔️ Is the local real estate market strong? Research home values, rental demand, and potential resale opportunities.
✔️ Do I want to manage a rental property after I PCS? If you’re comfortable becoming a landlord, buying could be a great long-term investment.

Final Thoughts: Which Is Best for You?

Both buying and renting have advantages, and the right choice depends on your financial situation, PCS timeline, and future plans.

💡 Buy a Home If:
✔️ You plan to stay for 3+ years
✔️ You want to build equity and wealth
✔️ You qualify for a VA loan with zero down
✔️ You’re open to renting it out later

🏡 Rent If:
✔️ You expect to move again within 1-3 years
✔️ You want flexibility without commitment
✔️ You don’t want to handle home maintenance
✔️ You’re unsure about the local housing market

Need Help Deciding? Let’s Talk!

Every PCS move is different, and I can help you make the best choice for your situation. Whether you’re looking to buy, rent, or explore VA loan options, I’m here to guide you.

📞 Realtor: Daniel Salazar
🏡 Company: REAL Broker LLC
📱 Phone: 210-701-3880
📧 Email: dansalre11@gmail.com

Let’s find the best housing solution for your next duty station! 🚀