What are the benefits of a VA loan in New Mexico?

VA loans offer:nn- No down payment requirements.n- Competitive interest rates to save on costs.n- No private mortgage insurance (PMI), reducing monthly expenses.n- Flexible credit and income requirements, making them accessible for more veterans.

What is the property tax exemption for disabled veterans in New Mexico?

Veterans with a 100% service-connected disability rating qualify for a full property tax exemption on their primary residence. Partial exemptions may apply for lower disability ratings. Contact your county tax assessor’s office for more details.

Is PMI required for VA loans in New Mexico?

No, private mortgage insurance (PMI) is not required for VA loans, which helps veterans save money compared to conventional loans.

Can VA loans in New Mexico be used for multi-family properties?

Yes, VA loans can be used to purchase multi-family homes with up to four units, as long as the veteran occupies one unit as their primary residence.

What is the VA loan funding fee in New Mexico?

The VA loan funding fee varies depending on factors like loan usage and down payment:nn- First-time use with no down payment: 2.15% of the loan amount.n- Subsequent use: 3.3% (if no down payment).n- The fee can be rolled into the loan to reduce upfront costs.

What credit score do I need for a VA loan in New Mexico?

While the VA does not set a minimum credit score, most lenders in New Mexico prefer a score of 620 or higher. Veterans with lower scores may still qualify depending on the lender's requirements.

Can I refinance my home with a VA loan in New Mexico?

Yes, veterans can refinance their homes using:nn- VA IRRRL (Interest Rate Reduction Refinance Loan): Streamlines refinancing to lower monthly payments.n- Cash-Out Refinance Loan: Allows access to home equity for home improvements, debt consolidation, or other financial needs.

Are there VA loan limits in New Mexico?

With full entitlement, VA loans in New Mexico do not have loan limits. Veterans without full entitlement are subject to conforming loan limits, which are $806,500 in most counties.

How do I apply for property tax relief as a veteran in New Mexico?

Eligible veterans can apply for property tax relief through their local county tax assessor’s office. You’ll typically need to provide:nn- Proof of disability rating from the VA.n- Military service records (e.g., DD-214).nnVisit the New Mexico Department of Veterans Services for application details.

2025 Florida BAH (Basic Allowance for Housing) Rates

View BAH Rates in:

EGLIN AFB, FL
GAINESVILLE, FL
JACKSONVILLE, FL
PATRICK SFB, FL
MIAMI/FORT LAUDERDALE, FL
ORLANDO, FL
PANAMA CITY, FL
PENSACOLA, FL
TALLAHASSEE, FL
TAMPA, FL
WEST PALM BEACH, FL
OCALA, FL
FLORIDA KEYS, FL
VOLUSIA COUNTY, FL
FORT PIERCE, FL
FORT MYERS BEACH, FL

View our VA Loan Guide for Florida

Everything you need to know about VA Loans in Florida. From VA loan requirements and eligibility to local Veteran homebuyer assistance programs.

Florida VA Loan Guide

The Basic Allowance for Housing (BAH) in Florida

The Basic Allowance for Housing (BAH) is an essential financial benefit provided to active-duty U.S. military personnel. It helps cover housing expenses for those stationed away from their home installation. In Florida, BAH rates vary based on rank, dependent status, and location, ensuring service members can access appropriate accommodations. These rates are aligned with local rental markets, offering flexibility for military families and individuals to secure housing that meets their needs.

As part of the Department of Defense’s commitment to financial readiness, BAH rates are reviewed annually to reflect changes in the housing market. This ensures service members stationed in Florida, from Jacksonville to Miami, receive allowances that align with regional housing costs.

How BAH Rates Are Determined

BAH rates in Florida are calculated based on the following key factors:

Location: Rental prices differ widely across Florida cities, from metropolitan areas like Tampa and Orlando to military hubs like Pensacola and Key West.
Rank: Higher-ranking personnel are allotted larger allowances to reflect increased responsibilities and living standards.
Dependents: Service members with dependents qualify for higher rates to accommodate family housing needs.

These rates are designed to provide financial support for housing that is both adequate and competitive within the assigned duty station’s local market.

How to Use Florida’s BAH Charts

BAH charts for Florida outline rates by location, rank, and dependency status. To determine your housing allowance:

Identify your duty station or Military Housing Area (MHA).
Find your rank on the chart.
Note the rate based on whether you have dependents.

Using these charts, you can effectively plan your housing budget and make informed decisions that align with your financial and living preferences while stationed in Florida.

EGLIN AFB, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$2,247	$2,004
E02	$2,247	$2,004
E03	$2,247	$2,004
E04	$2,247	$2,004
E05	$2,289	$2,127
E06	$2,517	$2,208
E07	$2,706	$2,253
E08	$2,907	$2,340
E09	$3,087	$2,397
W01	$2,538	$2,250
W02	$2,787	$2,337
W03	$3,039	$2,409
W04	$3,108	$2,556
W05	$3,192	$2,751
O01E	$2,739	$2,286
O02E	$3,003	$2,385
O03E	$3,117	$2,508
O01	$2,322	$2,205
O02	$2,514	$2,280
O03	$3,030	$2,430
O04	$3,216	$2,715
O05	$3,342	$2,829
O06	$3,369	$3,021
O07	$3,396	$3,075

BAH ZIP Codes for EGLIN AFB, FL: 32422, 32433, 32434, 32435, 32439, 32459, 32531, 32536, 32537, 32538, 32539, 32540, 32541, 32542, 32544, 32547, 32548, 32549, 32550, 32564, 32567, 32569, 32578, 32579, 32580, 32588

GAINESVILLE, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$1,947	$1,560
E02	$1,947	$1,560
E03	$1,947	$1,560
E04	$1,947	$1,560
E05	$1,995	$1,773
E06	$2,283	$1,896
E07	$2,406	$1,947
E08	$2,538	$2,058
E09	$2,715	$2,133
W01	$2,301	$1,944
W02	$2,463	$2,055
W03	$2,628	$2,145
W04	$2,748	$2,307
W05	$2,895	$2,436
O01E	$2,427	$1,992
O02E	$2,604	$2,118
O03E	$2,769	$2,274
O01	$2,037	$1,893
O02	$2,280	$1,983
O03	$2,622	$2,175
O04	$2,946	$2,409
O05	$3,171	$2,484
O06	$3,198	$2,610
O07	$3,222	$2,655

BAH ZIP Codes for GAINESVILLE, FL: 32601, 32602, 32603, 32604, 32605, 32606, 32607, 32608, 32609, 32610, 32611, 32612, 32614, 32615, 32616, 32618, 32627, 32631, 32633, 32635, 32640, 32641, 32643, 32653, 32654, 32655, 32658, 32662, 32667, 32669, 32694

JACKSONVILLE, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$2,100	$1,671
E02	$2,100	$1,671
E03	$2,100	$1,671
E04	$2,100	$1,671
E05	$2,226	$1,860
E06	$2,295	$1,977
E07	$2,343	$2,100
E08	$2,397	$2,247
E09	$2,481	$2,253
W01	$2,310	$2,067
W02	$2,364	$2,244
W03	$2,436	$2,259
W04	$2,502	$2,295
W05	$2,586	$2,355
O01E	$2,346	$2,223
O02E	$2,424	$2,250
O03E	$2,511	$2,283
O01	$2,244	$1,968
O02	$2,292	$2,187
O03	$2,433	$2,265
O04	$2,613	$2,337
O05	$2,736	$2,364
O06	$2,760	$2,415
O07	$2,781	$2,457

BAH ZIP Codes for JACKSONVILLE, FL: 32003, 32004, 32006, 32030, 32033, 32043, 32050, 32065, 32067, 32068, 32073, 32079, 32080, 32081, 32082, 32084, 32085, 32086, 32091, 32092, 32095, 32099, 32145, 32160, 32201, 32202, 32203, 32204, 32205, 32206, 32207, 32208, 32209, 32210, 32211, 32212, 32214, 32216, 32217, 32218, 32219, 32220, 32221, 32222, 32223, 32224, 32225, 32226, 32227, 32228, 32229, 32231, 32232, 32233, 32234, 32235, 32236, 32238, 32239, 32240, 32241, 32244, 32245, 32246, 32247, 32250, 32254, 32255, 32256, 32257, 32258, 32259, 32260, 32266, 32277, 32656

PATRICK SFB, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$2,253	$1,821
E02	$2,253	$1,821
E03	$2,253	$1,821
E04	$2,253	$1,821
E05	$2,418	$1,989
E06	$2,673	$2,103
E07	$2,697	$2,259
E08	$2,721	$2,475
E09	$2,793	$2,541
W01	$2,691	$2,208
W02	$2,706	$2,472
W03	$2,742	$2,553
W04	$2,817	$2,670
W05	$2,913	$2,700
O01E	$2,700	$2,415
O02E	$2,733	$2,526
O03E	$2,829	$2,664
O01	$2,457	$2,085
O02	$2,670	$2,367
O03	$2,739	$2,577
O04	$2,943	$2,688
O05	$3,090	$2,703
O06	$3,117	$2,718
O07	$3,141	$2,769

BAH ZIP Codes for PATRICK SFB, FL: 32754, 32775, 32780, 32781, 32783, 32796, 32815, 32899, 32901, 32902, 32903, 32904, 32905, 32906, 32907, 32908, 32909, 32910, 32911, 32912, 32919, 32920, 32922, 32923, 32924, 32925, 32926, 32927, 32931, 32932, 32934, 32935, 32936, 32937, 32940, 32941, 32949, 32950, 32951, 32952, 32953, 32954, 32955, 32956, 32959, 32976

MIAMI/FORT LAUDERDALE, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$3,288	$2,532
E02	$3,288	$2,532
E03	$3,288	$2,532
E04	$3,288	$2,532
E05	$3,489	$2,892
E06	$3,687	$3,105
E07	$3,876	$3,294
E08	$4,080	$3,534
E09	$4,410	$3,582
W01	$3,705	$3,228
W02	$3,960	$3,531
W03	$4,212	$3,591
W04	$4,485	$3,726
W05	$4,812	$3,921
O01E	$3,912	$3,486
O02E	$4,179	$3,570
O03E	$4,533	$3,678
O01	$3,519	$3,084
O02	$3,684	$3,426
O03	$4,206	$3,612
O04	$4,929	$3,885
O05	$5,442	$4,083
O06	$5,493	$4,194
O07	$5,541	$4,272

BAH ZIP Codes for MIAMI/FORT LAUDERDALE, FL: 33002, 33004, 33008, 33009, 33010, 33011, 33012, 33013, 33014, 33015, 33016, 33017, 33018, 33019, 33020, 33021, 33022, 33023, 33024, 33025, 33026, 33027, 33028, 33029, 33030, 33031, 33032, 33033, 33034, 33035, 33039, 33054, 33055, 33056, 33060, 33061, 33062, 33063, 33064, 33065, 33066, 33067, 33068, 33069, 33071, 33072, 33073, 33074, 33075, 33076, 33077, 33081, 33082, 33083, 33084, 33090, 33092, 33093, 33097, 33101, 33102, 33106, 33109, 33111, 33112, 33114, 33116, 33119, 33122, 33124, 33125, 33126, 33127, 33128, 33129, 33130, 33131, 33132, 33133, 33134, 33135, 33136, 33137, 33138, 33139, 33140, 33141, 33142, 33143, 33144, 33145, 33146, 33147, 33149, 33150, 33151, 33152, 33153, 33154, 33155, 33156, 33157, 33158, 33160, 33161, 33162, 33163, 33164, 33165, 33166, 33167, 33168, 33169, 33170, 33172, 33173, 33174, 33175, 33176, 33177, 33178, 33179, 33180, 33181, 33182, 33183, 33184, 33185, 33186, 33187, 33188, 33189, 33190, 33191, 33192, 33193, 33194, 33195, 33196, 33197, 33198, 33199, 33206, 33222, 33231, 33233, 33234, 33238, 33239, 33242, 33243, 33245, 33247, 33255, 33256, 33257, 33261, 33265, 33266, 33269, 33280, 33283, 33296, 33299, 33301, 33302, 33303, 33304, 33305, 33306, 33307, 33308, 33309, 33310, 33311, 33312, 33313, 33314, 33315, 33316, 33317, 33318, 33319, 33320, 33321, 33322, 33323, 33324, 33325, 33326, 33327, 33328, 33329, 33330, 33331, 33332, 33334, 33335, 33336, 33337, 33338, 33339, 33340, 33345, 33346, 33348, 33349, 33351, 33355, 33359, 33388, 33394, 33427, 33428, 33431, 33432, 33433, 33434, 33441, 33442, 33443, 33486, 33497, 33498

ORLANDO, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$2,394	$1,797
E02	$2,394	$1,797
E03	$2,394	$1,797
E04	$2,394	$1,797
E05	$2,595	$2,049
E06	$2,655	$2,211
E07	$2,673	$2,400
E08	$2,682	$2,613
E09	$2,748	$2,619
W01	$2,670	$2,334
W02	$2,679	$2,610
W03	$2,691	$2,622
W04	$2,778	$2,643
W05	$2,904	$2,661
O01E	$2,676	$2,592
O02E	$2,685	$2,616
O03E	$2,796	$2,640
O01	$2,613	$2,190
O02	$2,652	$2,532
O03	$2,688	$2,628
O04	$2,943	$2,649
O05	$3,129	$2,664
O06	$3,156	$2,667
O07	$3,180	$2,706

BAH ZIP Codes for ORLANDO, FL: 32701, 32703, 32704, 32707, 32708, 32709, 32710, 32712, 32714, 32715, 32716, 32718, 32719, 32730, 32732, 32733, 32745, 32746, 32747, 32750, 32751, 32752, 32762, 32765, 32766, 32768, 32771, 32772, 32773, 32777, 32779, 32789, 32790, 32791, 32792, 32793, 32794, 32795, 32798, 32799, 32801, 32802, 32803, 32804, 32805, 32806, 32807, 32808, 32809, 32810, 32811, 32812, 32814, 32816, 32817, 32818, 32819, 32820, 32821, 32822, 32824, 32825, 32826, 32827, 32828, 32829, 32830, 32831, 32832, 32833, 32834, 32835, 32836, 32837, 32839, 32853, 32854, 32855, 32856, 32857, 32858, 32859, 32860, 32861, 32862, 32867, 32868, 32869, 32872, 32877, 32878, 32885, 32886, 32887, 32891, 32896, 32897, 33848, 34734, 34739, 34740, 34741, 34742, 34743, 34744, 34745, 34746, 34747, 34758, 34760, 347

WEST PALM BEACH, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$3,105	$2,367
E02	$3,105	$2,367
E03	$3,105	$2,367
E04	$3,105	$2,367
E05	$3,351	$2,685
E06	$3,606	$2,883
E07	$3,705	$3,114
E08	$3,810	$3,405
E09	$4,002	$3,474
W01	$3,624	$3,027
W02	$3,747	$3,402
W03	$3,879	$3,483
W04	$4,050	$3,624
W05	$4,257	$3,729
O01E	$3,720	$3,348
O02E	$3,861	$3,459
O03E	$4,080	$3,597
O01	$3,387	$2,856
O02	$3,603	$3,270
O03	$3,876	$3,510
O04	$4,329	$3,705
O05	$4,650	$3,762
O06	$4,692	$3,861
O07	$4,731	$3,933

BAH ZIP Codes for WEST PALM BEACH, FL: 33401, 33402, 33403, 33404, 33405, 33406, 33407, 33408, 33409, 33410, 33411, 33412, 33413, 33414, 33415, 33416, 33417, 33418, 33419, 33420, 33421, 33422, 33424, 33425, 33426, 33429, 33430, 33435, 33436, 33437, 33438, 33444, 33445, 33446, 33448, 33449, 33454, 33458, 33459, 33460, 33461, 33462, 33463, 33464, 33465, 33466, 33467, 33468, 33469, 33470, 33472, 33473, 33474, 33476, 33477, 33478, 33480, 33481, 33482, 33483, 33484, 33487, 33488, 33493, 33496, 33499

OCALA, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$2,121	$1,728
E02	$2,121	$1,728
E03	$2,121	$1,728
E04	$2,121	$1,728
E05	$2,265	$1,884
E06	$2,310	$1,986
E07	$2,328	$2,124
E08	$2,337	$2,280
E09	$2,394	$2,286
W01	$2,325	$2,082
W02	$2,334	$2,277
W03	$2,346	$2,289
W04	$2,427	$2,298
W05	$2,568	$2,307
O01E	$2,331	$2,262
O02E	$2,340	$2,283
O03E	$2,448	$2,295
O01	$2,280	$1,974
O02	$2,307	$2,223
O03	$2,343	$2,292
O04	$2,616	$2,301
O05	$2,829	$2,310
O06	$2,853	$2,313
O07	$2,874	$2,334

BAH ZIP Codes for OCALA, FL: 32102, 32111, 32113, 32133, 32134, 32158, 32159, 32162, 32163, 32179, 32182, 32183, 32192, 32195, 32617, 32621, 32625, 32626, 32634, 32639, 32644, 32663, 32664, 32668, 32681, 32683, 32686, 32696, 32702, 32726, 32727, 32735, 32736, 32756, 32757, 32767, 32776, 32778, 32784, 33513, 33514, 33521, 33538, 33585, 33597, 34420, 34421, 34423, 34428, 34429, 34430, 34431, 34432, 34433, 34434, 34436, 34441, 34442, 34445, 34446, 34447, 34448, 34449, 34450, 34451, 34452, 34453, 34460, 34461, 34464, 34465, 34470, 34471, 34472, 34473, 34474, 34475, 34476, 34477, 34478, 34479, 34480, 34481, 34482, 34483, 34484, 34487, 34488, 34489, 34491, 34492, 34498, 34705, 34711, 34712, 34713, 34714, 34715, 34729, 34731, 34736, 34737, 34748, 34749, 34753, 34755, 34756, 34762, 34785, 34788, 34789, 34797

FLORIDA KEYS, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$3,735	$2,997
E02	$3,735	$2,997
E03	$3,735	$2,997
E04	$3,735	$2,997
E05	$3,912	$3,360
E06	$4,266	$3,570
E07	$4,473	$3,741
E08	$4,695	$3,987
E09	$5,058	$4,086
W01	$4,287	$3,684
W02	$4,563	$3,984
W03	$4,839	$4,101
W04	$5,142	$4,311
W05	$5,502	$4,524
O01E	$4,512	$3,909
O02E	$4,800	$4,065
O03E	$5,193	$4,257
O01	$3,963	$3,552
O02	$4,263	$3,858
O03	$4,830	$4,137
O04	$5,634	$4,485
O05	$6,207	$4,656
O06	$6,264	$4,821
O07	$6,321	$4,911

BAH ZIP Codes for FLORIDA KEYS, FL: 33001, 33036, 33037, 33040, 33041, 33042, 33043, 33045, 33050, 33051, 33052, 33070

VOLUSIA COUNTY, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$2,118	$1,650
E02	$2,118	$1,650
E03	$2,118	$1,650
E04	$2,118	$1,650
E05	$2,280	$1,845
E06	$2,433	$1,968
E07	$2,484	$2,121
E08	$2,541	$2,316
E09	$2,640	$2,349
W01	$2,448	$2,073
W02	$2,508	$2,313
W03	$2,583	$2,358
W04	$2,664	$2,436
W05	$2,766	$2,499
O01E	$2,490	$2,277
O02E	$2,571	$2,340
O03E	$2,676	$2,421
O01	$2,307	$1,953
O02	$2,430	$2,229
O03	$2,580	$2,373
O04	$2,796	$2,481
O05	$2,949	$2,511
O06	$2,973	$2,562
O07	$2,997	$2,610

BAH ZIP Codes for VOLUSIA COUNTY, FL: 32105, 32110, 32114, 32115, 32116, 32117, 32118, 32119, 32120, 32121, 32122, 32123, 32124, 32125, 32126, 32127, 32128, 32129, 32130, 32132, 32135, 32136, 32137, 32141, 32142, 32143, 32164, 32168, 32169, 32170, 32173, 32174, 32175, 32176, 32180, 32190, 32198, 32706, 32713, 32720, 32721, 32722, 32723, 32724, 32725, 32728, 32738, 32739, 32744, 32753, 32759, 32763, 32764, 32774

FORT PIERCE, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$2,388	$1,950
E02	$2,388	$1,950
E03	$2,388	$1,950
E04	$2,388	$1,950
E05	$2,589	$2,097
E06	$2,697	$2,208
E07	$2,760	$2,397
E08	$2,826	$2,616
E09	$2,979	$2,634
W01	$2,712	$2,328
W02	$2,787	$2,613
W03	$2,874	$2,643
W04	$3,018	$2,703
W05	$3,195	$2,775
O01E	$2,766	$2,586
O02E	$2,862	$2,631
O03E	$3,045	$2,685
O01	$2,610	$2,187
O02	$2,694	$2,526
O03	$2,871	$2,652
O04	$3,255	$2,754
O05	$3,528	$2,790
O06	$3,558	$2,856
O07	$3,588	$2,907

BAH ZIP Codes for FORT PIERCE, FL: 32948, 32957, 32958, 32960, 32961, 32962, 32963, 32964, 32965, 32966, 32967, 32968, 32969, 32970, 32971, 32978, 34945, 34946, 34947, 34948, 34949, 34950, 34951, 34952, 34953, 34954, 34979, 34981, 34982, 34983, 34984, 34985, 34986, 34987, 34988

FORT MYERS BEACH, FL BAH Rates

Grade	With Dependents	Without Dependents
E01	$2,610	$2,121
E02	$2,610	$2,121
E03	$2,610	$2,121
E04	$2,610	$2,121
E05	$2,748	$2,343
E06	$2,766	$2,478
E07	$2,859	$2,613
E08	$2,964	$2,760
E09	$3,087	$2,766
W01	$2,781	$2,571
W02	$2,901	$2,757
W03	$3,033	$2,769
W04	$3,108	$2,778
W05	$3,204	$2,883
O01E	$2,874	$2,745
O02E	$3,015	$2,763
O03E	$3,120	$2,775
O01	$2,760	$2,466
O02	$2,763	$2,706
O03	$3,030	$2,772
O04	$3,234	$2,859
O05	$3,372	$2,916
O06	$3,402	$3,015
O07	$3,429	$3,069

BAH ZIP Codes for FORT MYERS BEACH, FL: 33901, 33902, 33903, 33904, 33905, 33906, 33907, 33908, 33909, 33910, 33911, 33912, 33913, 33914, 33915, 33916, 33917, 33918, 33919, 33920, 33921, 33922, 33924, 33928, 33929, 33931, 33932, 33936, 33945, 33956, 33957, 33965, 33966, 33967, 33970, 33971, 33972, 33973, 33974, 33976, 33990, 33991, 33993, 33994, 34133, 34134, 34135, 34136