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Arizona VA Loan BAH Calculator

By Mike Certo, Cornerstone First Mortgage · NMLS #260555 · Updated June 20, 2026

Pick your base, pick your rank, and see what home your 2026 BAH actually covers. This calculator includes the Arizona summer utility costs that change what you can really afford.

Your Situation

Your Base & Rank

Duty station

Pay grade

Dependents?

2026 BAH: $2,289 / month

The Home

Arizona county (property tax)

Utility load (summer cooling)

Arizona summer air conditioning is a real cost, and it changes what your BAH actually covers. You get to factor it in here.

VA loan rate (%)

Pick the rate you've been quoted, or get your custom rate quote on the pre-approval page.

Funding fee?

Down payment % (most VA buyers use 0%)

Estimated HOA ($/mo)

Surprise / Buckeye / Gilbert master-planned typically $80-180/mo. Older neighborhoods often $0.

Your Result

Pick your base and rank to see your number.

Have Mike verify this with today's pricing and your real income

Free 30-minute PCS strategy call. Bring your orders. Mike's done dozens of Luke, DM, Yuma, and Huachuca families. No pressure, no script.

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2026 BAH rates from DoD published rates effective Jan 1, 2026. Property tax estimates use 2026 effective rates by AZ county. Utility estimates are AZ-typical ranges (APS/SRP/TEP summer cooling); your actual will vary by home size and habits. Funding fee per VA Lenders Handbook 2026, waived for VA-exempt status. Calculator is educational, not a loan commitment. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.