Texas BAH Housing Budget Calculator
See how the BAH shown on your LES compares with an estimated mortgage payment and the broader monthly cost of owning a Texas home.
FAQ · BAH and Homeownership
What Your BAH Comparison Can and Cannot Tell You
Is BAH supposed to cover my entire mortgage payment?+
BAH is designed to offset most typical local housing costs, including rent and average utilities. It is based on standardized rental profiles and is not a promise that it will cover every homeowner expense or the particular home you choose.
Why should I enter the BAH from my LES?+
The amount on your LES reflects what you currently receive. Published tables can change annually, and temporary adjustments may apply in some military housing areas.
Why are utilities and maintenance separate from the mortgage payment?+
Principal, interest, taxes, insurance, HOA dues, and required flood insurance form the estimated mortgage-related payment. Utilities and maintenance are broader household costs, so the calculator shows both totals instead of disguising them as one payment.
Does this calculator show how much home I qualify to buy?+
No. BAH is only one part of a mortgage file. Qualification also depends on base pay and other income, debts, credit, residual income, assets, occupancy, entitlement, property details, and lender requirements.
Can a lender count BAH as income?+
BAH can generally be considered as verified, stable nontaxable income when it is expected to continue. The exact treatment and any permitted gross-up depend on the complete loan file and lender guidelines.
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