Bases: Hill AFB · Dugway Proving Ground · Tooele Army Depot · $0 down VA · Utah disabled-Veteran property tax abatement · Call Mike (480) 296-6513

Utah VA Loan — BAH Calculator

Pick your base, pick your rank, see what home your 2026 BAH actually covers — including the real Utah heating and cooling costs national lenders skip.

By Mike Certo, NMLS #260555 —

Your Situation

Your Base & Rank
2026 BAH: $2,118 / month
The Home
National calculators skip this. Utah heating and cooling costs are real and change what BAH covers.
Mike updates this weekly — see today's actual on the homepage.
Lehi / Buckeye / Lehi master-planned typically $80-180/mo. Older neighborhoods often $0.

Your Result

Pick your base and rank to see your number.

2026 BAH rates from DoD published rates effective Jan 1, 2026. Property tax estimates use 2026 effective rates by UT county. Utility estimates are Utah-typical ranges (Rocky Mountain Power / Dominion Energy heating and cooling); your actual will vary by home size and habits. Funding fee per VA Lenders Handbook 2026 — waived for any service-connected disability rating. Calculator is educational, not a loan commitment. Mike Certo NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender.

Can I use my BAH to qualify before a PCS to Utah?

Yes. VA lenders count Basic Allowance for Housing (BAH) as qualifying income, and active-duty members can often use their gaining-station BAH to get pre-approved before the move. We line this up so you can shop with confidence.

What are the 2026 BAH rates at Hill AFB?

Hill AFB uses the Ogden-Clearfield military housing area. This calculator maps your rank and dependent status to the 2026 BAH figure and converts it to a realistic $0-down VA purchase price; confirm your exact rate at the DoD BAH calculator.