Living on a military base can indeed be a more cost-effective option for many service members and their families. This is particularly true in high-cost areas, where even privatized housing on base often proves more affordable when compared to similar options in the local civilian market.
Financial Advantages of On-Base Living
The financial benefits of living on a military base extend beyond just housing costs, encompassing various aspects of daily life.
Housing and Utilities
One of the primary financial incentives is how housing expenses are managed. Service members typically receive a Basic Allowance for Housing (BAH), which is designed to cover the cost of off-base housing. When living on base, this allowance often covers the full cost of rent, and in many cases, utilities like water, electricity, and gas are either included or significantly subsidized. This eliminates variable utility bills, which can fluctuate wildly off-base.
- BAH Coverage: Your BAH generally covers the entire cost of on-base housing, preventing out-of-pocket rent expenses.
- Reduced Utility Costs: Many on-base housing units include utilities, or they are capped, leading to predictable and often lower monthly expenses.
- No Property Taxes: Residents of on-base housing do not pay property taxes, a significant saving compared to homeownership off-base.
- No Security Deposits or Agent Fees: Moving onto base usually involves no security deposits, application fees, or real estate agent commissions, which can be substantial off-base.
Commute and Transportation Savings
Living on base drastically reduces or eliminates the daily commute to work. This translates directly into savings on fuel, vehicle maintenance, and wear and tear.
- Minimal Commute: With work often just a short walk or drive away, fuel expenses are significantly cut.
- Reduced Vehicle Wear: Less driving means fewer oil changes, tire rotations, and other maintenance costs.
- Potential for One Less Car: Some families might find they can manage with one vehicle instead of two, saving on car payments, insurance, and registration.
Access to Amenities and Services
Military bases are self-contained communities offering a wide array of amenities and services, many of which are free or significantly discounted for residents.
| Category | On-Base Benefit | Off-Base Comparison | Potential Savings Annually |
|---|---|---|---|
| Groceries | Access to Commissary with tax-free groceries | Standard grocery stores with taxes and markups | Significant savings, especially for large families. |
| Retail/Essentials | PX/BX/NEX for tax-free retail goods and services | Civilian retail stores with sales tax and higher prices | Varies, but notable for electronics, clothing, and household items. |
| Fitness | Free access to gyms, pools, and recreational facilities | Gym memberships, public pool fees | Hundreds to thousands of dollars. |
| Healthcare | On-base clinics and hospitals (TRICARE) | Civilian doctors and hospitals (TRICARE or other insurance) | Lower co-pays and easier access to primary care. |
| Childcare/Education | On-base daycare centers and schools (if available) | Off-base daycare, private schools, busing costs | Substantial savings on childcare and transportation. |
| Community Events | Free or low-cost base events, movies, and activities | Paid entertainment, events, and family outings | Reduces budget for leisure and entertainment. |
The close proximity to essential services like commissaries, schools, and daycare facilities not only saves money but also significantly reduces the time and stress associated with daily errands and appointments.
Factors to Consider
While generally more affordable, the decision to live on base should also consider personal preferences and specific circumstances. Factors like the age of the housing unit, specific base policies, and the availability of certain amenities can vary. However, from a purely financial standpoint, the consolidated costs and numerous benefits often make on-base living the more economical choice.
