Military-Specific
Built around PCS timelines, BAH, BAS, military pay, and future moves.
MilHousing
Playbook
Built for U.S. military families
Know Whether to Buy, Rent, Sell, or Keep Your Home Before You PCS.
MilHousing Playbook helps military families evaluate PCS housing decisions using military-specific financial analysis, long-term wealth projections, and transparent recommendations.
Educational decision support
MilHousing Playbook provides educational financial analysis and planning tools. Results depend on assumptions and market conditions. Users should consult qualified real estate, legal, tax, and financial professionals before making housing decisions.
MilHousing Playbook is not affiliated with the U.S. Department of War or any branch of the U.S. military.
Built Specifically for Military Families
- Military compensation modeling
- BAH-aware affordability analysis
- PCS-focused decision support
- Transparent assumptions and calculations
- Educational and planning focused
The difference
What Makes MilHousing Playbook Different?
| Capability | Traditional Calculator | MilHousing Playbook |
|---|---|---|
| Monthly payment estimate | ||
| BAH-aware analysis | — | |
| PCS-specific planning | — | |
| Rental conversion analysis | — | |
| Long-term wealth projections | — | |
| Confidence scoring | — | |
| Sensitivity analysis | — | |
| Multiple strategy comparison | — | |
| Military-focused assumptions | — |
Who it’s for
Built For Military Families At Every Stage
Whether you’re preparing for your first PCS or managing multiple properties, MilHousing Playbook is designed around military housing decisions.
- Junior Enlisted (E1–E4)
- NCOs & Senior Enlisted (E5–E9)
- Company Grade Officers (O1–O3)
- Field Grade Officers (O4–O6)
- Senior Officers (O7–O10)
- Dual-Military Families
- First-Time Home Buyers
- Military Landlords
- Families Considering On-Base Housing
- Members Building Long-Term Wealth Through Real Estate
Why it matters
Why Military Families Use MilHousing Playbook
Traditional calculators answer one question. PCS housing decisions require understanding the entire picture.
Long-Term Thinking
Evaluates future equity, rental conversion potential, and wealth-building impacts.
Transparent Recommendations
See how recommendations are generated and what assumptions drive results.
Decision Support
Understand tradeoffs, risks, flexibility, and financial implications before making major decisions.
Strategic planning
One PCS Move. Many Possible Housing Strategies.
Military families often face multiple interconnected decisions. MilHousing Playbook helps evaluate them together.
Current Home
- Sell
- Keep as Rental
- Convert to Rental Later
- Use Equity on Next Home
- Preserve Cash Reserves
Next Duty Station
- Buy
- Rent
- Live On Base
- Buy & Convert Later
- Roommate Strategy (if applicable)
Long-Term Considerations
- Future PCS Moves
- Rental Portfolio Growth
- Equity Building
- Cash Flow
- Financial Flexibility
- Risk Management
MilHousing Playbook evaluates how these decisions interact rather than analyzing each decision in isolation.
PCS Transition Analysis
Should You Sell or Keep Your Current Home?
Evaluate whether selling your current property or converting it into a rental is likely to create greater long-term value.
Explore PCS Transition Analysis- Cash flow projections
- Equity analysis
- Net proceeds estimates
- Wealth projections
- Breakeven rent analysis
- Risk assessment
- Recommendation confidence scoring
- Sensitivity analysis
- Exportable reports
PCS Scenario Analysis
Compare Housing Options at Your Next Duty Station
Compare buying, renting, on-base housing, and future rental strategies using military-specific assumptions.
Explore PCS Scenario Analysis- BAH-aware affordability
- Buy vs rent analysis
- Buy and sell strategy
- Buy and rent strategy
- On-base housing comparison
- Mortgage analysis
- Breakeven calculations
- Scenario comparisons
Saved Analyses & Scenario Management
Never Start Over
Save, revisit, edit, compare, and export your analyses as your PCS plans evolve.
Manage Your Analyses- Save analyses
- Edit assumptions later
- Duplicate scenarios
- Compare multiple options
- Export PDF reports
- Track different strategies
Military-Specific Financial Modeling
Built around the realities of military life.
Unlike generic calculators, MilHousing Playbook factors in the timelines, allowances, and tradeoffs that shape every military housing decision.
PCS timelines
BAH considerations
Rental property transitions
Military housing markets
Long-distance landlord considerations
Frequent relocation planning
Wealth-building through military real estate
How it works
From profile to plan in five steps.
- 1
Create your military profile
Tell us about your pay, BAH, dependents, and PCS timeline.
- 2
Choose your analysis
PCS Transition Analysis or PCS Scenario Analysis — or both.
- 3
Enter your assumptions
Home values, rates, rents, and market conditions.
- 4
Review recommendations, risks, and projections
See the recommended path with confidence scoring.
- 5
Save, compare, and refine your strategy
Iterate as your plans evolve.
Avoid expensive PCS mistakes
Premium Helps You Avoid Expensive PCS Mistakes
Military housing decisions can impact your finances for years. Premium analysis helps you understand the tradeoffs before making a major decision.
Free Tier
- Create housing analyses
- Basic recommendations
- Affordability tools
- Educational planning support
Premium Tier
- See which housing strategy is projected to build the most long-term wealth
- Understand what assumptions could change the recommendation
- Compare buy, rent, on-base housing, and rental conversion strategies
- Evaluate whether keeping your current home as a rental makes financial sense
- Generate a professional decision report for family discussions
Includes
- PCS Transition Analysis
- Long-Term Wealth Projections
- Sensitivity Analysis
- Recommendation Confidence Scores
- Side-by-Side Comparisons
- Exportable Decision Reports
For the whole family
Built For Real Family Decisions
Military housing decisions affect spouses, children, finances, future PCS moves, and long-term goals. MilHousing Playbook helps families evaluate options together with greater confidence.
Understand Tradeoffs
Compare benefits and drawbacks of each strategy side-by-side.
Discuss Risks
Identify major assumptions and factors that could change the outcome.
Compare Options
Review buy, rent, on-base, rental conversion, and other eligible strategies.
Plan Together
Use objective analysis to support conversations with your spouse or family.
Adapt As Orders Change
Update assumptions and revisit recommendations as circumstances evolve.
MilHousing Playbook does not tell families what to do. It helps them understand their options more clearly.
About the founder
Created By Someone Who Has Been There
MilHousing Playbook was created by an active-duty Air Force officer after years of seeing military families struggle with the same PCS housing decisions.
- Should we rent or buy?
- Should we keep our home as a rental?
- How much house can we safely afford?
- What happens if we PCS again?
MilHousing Playbook was built to help military families evaluate these decisions with greater clarity, transparency, and confidence.
MilHousing Playbook was created by an active-duty Air Force officer who repeatedly saw military families facing the same housing questions without military-specific tools to help evaluate them.
Built for Real Military Housing Decisions
Answers to the questions traditional calculators can’t handle.
MilHousing Playbook was designed to help military families work through the decisions that actually come up during a PCS.
Should I sell or rent my current home?
Can my property cash flow as a future rental?
Should I use sale proceeds as a down payment?
Is buying at my next duty station better than renting?
How does my BAH impact affordability?
What strategy builds the most long-term wealth?
Start free in minutes
Make your next PCS housing decision with confidence.
Build your profile, run your first analysis, and see exactly what the numbers say about your next move.