7 Things Military Families Should Know Before Buying a Home in DC
Buying a home while serving in the military comes with a unique set of challenges and opportunities. When you're navigating military DC real estate, it’s not just about finding a place to live. It’s about balancing relocation timelines, understanding VA loan benefits, and choosing a home that fits both your lifestyle and your next duty station.
At City Chic Real Estate, we work with military families every day, helping them make smart, confident moves in a city that’s always in motion. If you’re PCSing to DC or planning to put down more permanent roots, here are seven things to know before you buy.
1. Understand Your PCS Timeline
Whether you're just arriving in DC or planning ahead for a future move, timing is everything. You’ll want to align your purchase with your orders, availability of housing, and how long you expect to be stationed here.
Tip: If you’re unsure about how long you’ll be in DC, consider properties with strong rental potential, as you may want to keep it as an investment later.
2. VA Loans Offer Major Advantages, but Not All Homes Qualify
VA loans are a powerful benefit for military buyers, offering zero down payment and competitive interest rates. But in DC, where condos are common, it’s crucial to check if the property is VA-approved. Not every condo building meets the guidelines.
Common Mistake to Avoid: Assuming all listings qualify for VA financing. Your agent should confirm this before you fall in love with a property.
3. Proximity to Bases Can Impact Price and Pace
DC is home to multiple military installations, Joint Base Anacostia-Bolling, Fort McNair, the Pentagon, and more. Homes near these bases often move fast and can come at a premium due to high demand.
Tip: Expand your search slightly beyond the base for better pricing or more inventory. Areas like Alexandria, Arlington, and Southeast DC offer solid options within commute range.
4. School Zones and Commute Matter More Than You Think
If you have children, school districts and access to childcare may play a major role in where you buy. And even if you’re not commuting daily, being near Metro lines or main routes can boost your home’s resale and rental value.
Need a local expert who understands the military lifestyle?🎖 Reach out to find a home that fits your orders and your life.
5. Resale and Rental Potential Are Key
With frequent relocations, many military families end up renting out their homes after they move. That’s why it’s smart to consider resale potential and rental demand from the start, even if you plan to live there for now.
Tip: Look for homes in high-demand neighborhoods with stable rental markets and easy maintenance.
6. You’ll Likely Need to Move Fast
The DC market can be competitive. Homes, especially those near bases or with family-friendly layouts, may go under contract quickly.
Best Practice: Get pre-approved for a VA loan early and work with an agent who’s comfortable with tight timelines.
7. Not All Agents Understand the Military Experience
From PCS orders to BAH budgets, working with an agent who understands military life makes a big difference. You need someone who’s flexible, responsive, and familiar with VA lending rules and timelines.
Common Mistake to Avoid: Working with an agent unfamiliar with the military process. It can slow you down or cost you a great opportunity.
Additional Tips for Military Homebuyers in DC
Budget with BAH in mind: Understand what your housing allowance covers in DC’s market.
Plan for unexpected changes: Orders can shift, so try to build flexibility into your plans.
Use your network: Tap into your military community for referrals, advice, and lender recommendations.
Navigating military DC real estate is different, but with the right strategy and support, it doesn’t have to be stressful. By understanding your VA benefits, planning around your PCS schedule, and working with a team that gets military life, you can find a home that works for today and tomorrow.
City Chic Real Estate is ready to help. We speak your language, understand your needs, and are here to guide you every step of the way. 📲 Let’s talk about your next smart move.
