Does the Military Give You a House If You’re Married?

by | Military Finance | 1 comment

Thinking about joining the military and wondering if they’ll provide housing for you and your spouse? It’s a common question for many service members and their families. Exploring military benefits can be confusing, but understanding your housing options is crucial for planning your future.

When you’re married and serving in the military, you might be eligible for various housing benefits, depending on your rank, location, and specific branch. These benefits can range from on-base housing to a housing allowance, ensuring you and your family have a comfortable place to live. Let’s explore what you can expect when it comes to military housing for married service members.

Understanding Military Housing Benefits

Exploring military housing benefits can seem complex, but comprehending the options ensures you’re making the best decisions for your family.

Eligibility for Housing Benefits

Active duty service members qualify for housing benefits based on their rank, location, and family status. Married personnel often receive priority. But, single service members and those with dependents also have eligibility criteria. Command sponsorship and minimum time-on-station requirements might affect eligibility.

Types of Housing Provided

Married service members may receive on-base housing or off-base housing allowances. On-base housing includes family units, which offer convenience, security, and access to community resources. Off-base housing allowances, known as Basic Allowance for Housing (BAH), depend on rank, years of service, and geographical location.

Monthly BAH rates vary, ensuring that military families can afford housing in diverse locations. Service members can choose based on specific needs, whether preferring on-base amenities or off-base flexibility.

Housing Options for Married Military Couples

Married military couples have several housing options to consider. The military provides both on-base and off-base housing to cater to different preferences and needs.

On-Base Housing Versus Off-Base Options

On-base housing offers convenience and security. These family units are located close to work, making commutes short. Amenities like schools, medical facilities, and recreation areas are usually within walking distance. On-base housing is rent-free, though utilities might incur separate costs.

Off-base housing gives more flexibility. Married couples can receive a Basic Allowance for Housing (BAH) which helps cover rent or mortgage costs. BAH varies by rank, location, and dependent status. Living off-base allows for greater privacy, autonomy, and the option to choose specific neighborhoods.

Applying for Military Housing

Applying for military housing involves several steps. For on-base housing, you need to submit an application through your base’s Housing Office. Providing necessary documents such as marriage certificates, proof of dependents, and current orders is mandatory. Wait times may vary based on unit availability and location.

For off-base housing, determining the BAH rate is crucial. Use official military calculators to estimate your allowance based on rank and location. You can then start looking for suitable housing within your budget. Consider reaching out to the Housing Office for vetted recommendations and resources.

Properly managing the housing process ensures you find the best living arrangement to suit your family’s needs. Whether you choose the convenience of on-base housing or the independence of off-base living, understanding your options is key.

Pros and Cons of Military Housing for Married Couples

When considering military housing options as a married couple, understanding both the advantages and disadvantages can help make an well-informed choice. Military housing offers unique benefits and challenges that impact your family’s quality of life.

Advantages of Living On-Base

Living on-base comes with several benefits for married military couples. First, you’ll find a sense of community and support. Being surrounded by fellow service members and their families fosters camaraderie and shared experiences. Also, on-base housing often includes amenities like gyms, pools, and recreational centers that can save you money and provide convenience.

Security is another key benefit. Bases have stringent security measures, including controlled access points and patrols, which can offer peace of mind. If you’re concerned about safety, living on-base can mitigate some of those worries.

Proximity to work can reduce commuting time significantly. If your spouse is deployed or working long hours, living on-base ensures you’re close to essential services and support networks, which is crucial for maintaining family stability.

Challenges of Military Housing

But, on-base living also has its challenges. Housing availability can be limited, especially at popular bases. If you’re stationed at a high-demand location, you might find yourself on a waiting list for an extended period.

Living on-base sometimes means dealing with stricter rules and regulations compared to off-base housing. From noise restrictions to guest policies, you must adhere to base-specific guidelines, which can sometimes feel restrictive.

Privacy can be another concern. Base communities are close-knit, and it can be easy for personal matters to become common knowledge. If you value significant privacy, this can be a downside.

By weighing these pros and cons, you can make a more well-informed choice that suits your family’s needs and lifestyle better.

Additional Support for Military Families

Military life presents unique challenges and benefits, particularly for families. There’s more than just housing support for married service members. These additional resources can significantly aid in smooth transitions and stability.

Financial Assistance and Allowances

Financial support plays a crucial role. Married military members benefit from various financial allowances to offset living costs.

  • Basic Allowance for Housing (BAH): BAH provides funds based on rank, location, and family size. For example, higher ranks and high-cost living areas receive larger allowances.
  • Family Separation Allowance (FSA): Families separated due to military duties qualify for FSA. This helps cover extra costs arising from the separation.
  • Cost of Living Allowance (COLA): Deployed in high-cost areas, service members receive COLA to bridge the gap between military pay and local living expenses.

Resources for Relocation and Support

Frequent relocations define military life. Supporting resources ease these transitions.

  • Relocation Assistance Programs: These programs offer information on moving services, temporary lodging, and housing options at new duty stations.
  • Military OneSource: A comprehensive resource that provides counseling, financial advising, and relocation assistance.
  • Legal Assistance: Legal offices on bases help with housing leases, family law, and other legal queries during relocations.

These supports ensure military families can adapt and thrive in new settings.


Exploring housing options in the military as a married service member can be complex but rewarding. You’re not just provided with housing solutions; you also receive financial support and access to a range of resources designed to ease transitions and ensure stability. From financial allowances like BAH and COLA to relocation assistance and legal support, the military offers comprehensive support to help you and your family thrive. Understanding these benefits can significantly enhance your experience and provide peace of mind as you serve your country.


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