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Military BAH in Florida - A Complete Guide

This week I had the opportunity to check out La Famiglia Miramar, a local Italian spot that focuses on authentic regional cuisine and ingredients to develop a delicious menu. This place is known for its classic Italian dishes and pizza, but they offer everything from a calzone to a seafood dinner and everything in between. Founded in 1972, this family-run establishment has a really cool history. I’ve wanted to check this restaurant out for a while, so I decided to go here for a nice Friday lunch with great company.

We started things off with the antipasti, which was terrific, and when you pair that with the garlic rolls, it is simply addicting. The appetizers at La Famiglia Miramar were excellent and not overly filling. We went with the veal parmigiana for the main course, which was really good. It wasn’t as good as a place in the North End of Boston, but it was solid for a Friday afternoon lunch at a low-key restaurant.

This great local spot stands out above the competition within the area. What stood out about this place was the fresh ingredients that they used. Not only is it fresh, but it’s also local and whatever is in season. I would rate this a solid 8 on the Foodie Phil scale. If you’re in the area, check out this place!

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Send me your recommendations!

In this week’s newsletter, we are going to discuss all things related to military entitlements, and how they can be used. If you serve in the military, you receive what is called Basic Allowance for Housing (BAH), which can be used in many ways. This article will focus on three key aspects of BAH so you know exactly how it can be used!

  1. What is BAH?
  2. Who is Eligible?
  3. How Are BAH Rates Determined?

1. What is BAH?

A Military Basic Allowance for housing compensates you for the cost of accommodation when you don't receive government housing. As an active-duty service member, you can count your BAH as income when applying for a mortgage. So, you can use it to qualify for a VA home loan and use your BAH to pay your mortgage. The BAH allows service members to rent, but some servicemen may be unwilling to purchase a home because they may receive PCS orders anytime. However, funding your BAH as part of your home purchase budget is a huge advantage. As long as everything goes according to plan, it is a more manageable option if you want to purchase a home. Housing Assistance comes in various forms, all of which help service members meet their housing needs.


2. Who is Eligible?

You are eligible for Military BAH as a service member assigned to the base. It is paid to service members living off-base or in private housing. BAH payments cover housing costs, which are generally higher than on-base housing. There are several different types of BAH. For instance, BAH with or without dependents, BAH-Diff, and Partial BAH, to name a few. BAH, with or without dependents, considers an applicant's dependents when determining eligibility. BAH-Diff is available to members who pay child support and are assigned to single-type quarters. To qualify for this, the child support must be lower than what they receive as BAH. Partial BAH is available to service members living in government housing without dependents. The primary objective of this fund it to cover incidental expenses.


3. How Are BAH Rates Determined?

Military BAH calculation is based on your rank, location, and whether you have dependents. Generally, many factors affect the rates, so verifying your amount with the DOD is essential.

The BAH allowance is usually higher for military personnel with a higher rank and a more extended service history, although exceptions exist. There is also a higher allowance in major metropolitan areas and regions with higher living costs. Most service members living in more expensive parts receive higher BAH rates, enabling them to afford accommodation in areas where civilian housing prices cost more.


The Basic Allowance for Housing significantly reduces the financial burden for military service members. You qualify for a V.A. home loan as a service member, and your BAH will likely cover your monthly mortgage payments.

Take advantage of your BAH by living off base, and get a better housing deal for your family with lower costs, larger units, and more amenities.

Interested in learning about becoming a resident in Florida or moving there? Read more.


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There are many factors to consider when getting into the home-buying process. It’s best to evaluate all options and to really make sure that now is the right time to buy a home. If you’re only focused on the purchase price and interest rate, you’re simply not ready to buy and need to evaluate more to make sure you are not wasting your own time. If you plan on expanding your family, do consider getting a home larger than you originally thought as it will pay dividends in the long run!

Got a question? Contact me today to chat with a financial advisor or discuss your next steps. 

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