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VA loans by Florida city and military base
Every Florida market is different: BAH, property taxes, insurance, flood zones and the homes themselves. Pick your city for a local guide, or find your base below.
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Florida city guides for Veterans and service members
VA loans in Pensacola
Short training tours, bayou flood zones and older roofs, plus VA clinics in town.
- BAH, E-5 with dependents
- $1,863
- Escambia County avg. tax
- 0.58%
VA loans in Milton & Navarre
Between three bases: which BAH applies, Navarre Beach insurance and acreage up north.
- BAH, E-5 with dependents
- $1,863
- Santa Rosa County avg. tax
- 0.57%
VA loans in Fort Walton Beach
Niceville to Crestview, beach condos, bridges and the Eglin VA clinic.
- BAH, E-5 with dependents
- $2,433
- Okaloosa County avg. tax
- 0.57%
VA loans in Panama City
Post-Hurricane Michael rebuilds, newer homes that insure better and two VA clinics.
- BAH, E-5 with dependents
- $2,163
- Bay County avg. tax
- 0.58%
VA loans in Jacksonville
Buying near NAS Jacksonville and Naval Station Mayport.
- BAH, E-5 with dependents
- $2,181
VA loans in Tampa
Buying near MacDill AFB in the Tampa market.
- BAH, E-5 with dependents
- $2,709
VA loans in St. Petersburg & Clearwater
Retiring near Bay Pines VA Medical Center, street-by-street flood risk and condo dues.
- BAH, E-5 with dependents
- $2,709
- Pinellas County avg. tax
- 0.7%
VA loans in Sarasota & Bradenton
Islands vs. the mainland, Lakewood Ranch CDDs and VA clinics in both cities.
- Sarasota County avg. tax
- 0.75%
VA loans in Fort Myers & Cape Coral
Canal homes and seawalls, buying after Ian and the Lee County VA Clinic.
- Lee County avg. tax
- 0.79%
VA loans in Naples
The primary-residence rule for part-year residents and big lots in Golden Gate Estates.
- Collier County avg. tax
- 0.63%
VA loans in Orlando
VA loans in the Orlando market.
- BAH, E-5 with dependents
- $2,658
VA loans in Lakeland
Living on I-4 between Tampa and Orlando, sinkhole coverage and new-home CDDs.
- Polk County avg. tax
- 0.73%
VA loans in Ocala & The Villages
The Villages’ district and amenity fees, golf cars and acreage in horse country.
- Marion County avg. tax
- 0.74%
2026 BAH by Florida military base
Monthly BAH for an E-5 and an O-3 with dependents. My team grosses BAH up by 25% when we qualify you, because it isn’t taxed. See every grade and every housing area on the Florida BAH page.
| Installation | Area | E-5 | O-3 | Local guide |
|---|---|---|---|---|
| NAS Jacksonville, Naval Station Mayport | Jacksonville | $2,181 | $2,364 | Jacksonville guide |
| NAS Pensacola, Corry Station, NAS Whiting Field | Pensacola | $1,863 | $2,271 | Pensacola guide |
| Eglin AFB, Hurlburt Field | Fort Walton Beach | $2,433 | $3,399 | Fort Walton · Destin guide |
| Tyndall AFB, NSA Panama City | Panama City | $2,163 | $2,709 | Panama City guide |
| MacDill AFB, Coast Guard Air Station Clearwater | Tampa | $2,709 | $3,081 | Tampa guide |
| Patrick SFB, Cape Canaveral SFS | Space Coast | $2,502 | $2,922 | Ask my team |
| NAS Key West | Key West | $3,969 | $4,872 | Ask my team |
| Homestead ARB, Coast Guard Base Miami Beach | Miami | $3,660 | $4,437 | Ask my team |
The same benefits in every Florida city
- $0 down with full VA entitlement, and no monthly mortgage insurance.
- No minimum credit score on a standard VA purchase or refinance with my team. We look first at residual income.
- No VA funding fee if you receive VA disability compensation.
- Florida disabled Veteran property tax exemptions: $5,000 off assessed value at 10% or more, a combat-related discount at 65 and older, and a full homestead exemption with a total and permanent rating. How they work
- No state income tax on your military retirement or Social Security.
County tax figures are average effective rates (median property tax paid ÷ median home value, U.S. Census Bureau American Community Survey 2020–2024). New buyers usually pay more because Florida’s Save Our Homes cap resets when a home sells. Your estimate uses the taxes for your address and price.
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