Renting vs. Buying: What’s Best for Military Families?

by Kristen Smith, Realtor

PCS orders in hand? First off—thank you for your service. Now comes one of the biggest decisions military families face during relocation: Should you rent or buy your next home?

This isn’t a one-size-fits-all answer. Whether you're stationed in San Antonio, near Lackland AFB, JBSA-Fort Sam Houston, or elsewhere across the country, your financial goals, timeline, and personal preferences play a huge role in the decision. Here's a breakdown to help guide you.

🕒 How Long Will You Stay?

Under 3 Years?
If you're expecting orders again in less than three years, renting might be your best bet. It offers the flexibility to move without the pressure of selling a home or dealing with potential market dips.

Staying 3+ Years?
Buying could make more sense. With each mortgage payment, you’re building equity—not just paying your landlord’s. Plus, over time, you may enjoy financial stability and tax benefits that renting can't offer.

💸 Let’s Talk About Your BAH

Your Basic Allowance for Housing (BAH) may actually cover your mortgage—especially in San Antonio, where housing prices are still relatively affordable compared to other Texas metros. This makes buying feel more doable than many military families expect.

Even better? You don’t need a down payment with a VA loan. That’s a huge benefit. Just remember, it could take time to build enough equity so that you’re not paying out-of-pocket at closing if you sell early. Talk to your lender and agent about break-even timelines and expected appreciation in the area.

📈 Consider the Market & Your Exit Strategy

Real estate is local. What makes sense in one city may not in another. That’s why working with a MIL-Estate Support Network agent—like Kristen Smith, Realtor in San Antonio—can make all the difference. We understand the military lifestyle and can help you analyze the market from every angle.

And if you do decide to buy but end up moving again?

You can turn your home into a rental. You’re allowed to own more than one property with your VA entitlement—as long as you’re within your total entitlement amount. Many military families build long-term wealth this way.

🔍 Questions to Ask Yourself Before Deciding

How long do I plan to be stationed here?
Will my BAH cover local rent or mortgage payments?
Do I want the responsibility of homeownership during this assignment?
Would I consider keeping the property as a rental when I PCS?
What are the current home prices and rent averages in the area?

🧭 Final Thoughts

Every PCS move is a chance to reevaluate your goals. Whether you decide to rent or buy, the key is understanding all your options and planning ahead. A MIL-Estate Support Network agent is trained to help military families just like yours navigate the pros and cons with clarity and confidence.

If you're heading to San Antonio and want to explore the local market, reach out to Kristen Smith, your local MIL-Estate partner. Let’s find the housing solution that supports both your mission and your future.