Houston VA Homebuyer Resources
Your go-to resource for Veterans, active-duty service members, and Military families looking to buy a home in the greater Houston area.
Whether you’re stationed at Joint Base San Antonio (JBSA), Ellington Field, or working with the VA Medical Center in Houston, this page will support your PCS move, simplify the VA loan process, and help you explore the best neighborhoods to call home.
From in-depth area guides to tips on using your VA benefits wisely in today’s market, our content is tailored to the unique needs of Military homebuyers.
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Best Neighborhoods for Veterans in Houston, TX
VA Loan Limits and Home Prices in Houston, TX
📍 Bases We Cover:
- Ellington Field Joint Reserve Base
- Houston VA Medical Center
- Texas Army National Guard Armory
- US Coast Guard Sector Houston-Galveston
Each base has unique surrounding communities and housing options — and we’ve covered them all with Veteran families in mind.
VA Loan Limits in Houston
For eligible Veterans with full entitlement, there are no VA loan limits; you can borrow as much as a lender is willing to lend without needing a down payment.
However, for those with remaining entitlement, the Houston VA loan limits align with the Federal Housing Finance Agency’s conforming loan limits.
In most U.S. counties, including Harris County (Houston), the limit for a single-family home in 2025 is $806,500.
Why Houston Is a Top City for Veterans to Buy a Home
Houston isn’t just home to multiple Military installations and VA medical centers — it’s a thriving, Veteran-friendly city with a deep respect for service members.
From diverse housing options to a robust local support network, Houston continues to rank among the best places in Texas for Veterans and active-duty homebuyers.
- No state income tax in Texas means more take-home pay
- Generous Veteran property tax exemptions (including full relief for 100% disabled Veterans)
- A wide network of VA-experienced lenders, real estate agents, and builders in the Houston metro area
- Access to top-tier care through the Michael E. DeBakey VA Medical Center
- Veteran-focused organizations like Combined Arms, Lone Star Veterans Association, and local VFW posts
🏡 VA Loan Benefits in Houston
Using your VA loan in Houston gives you major advantages over conventional buyers.
Key Benefits Include:
- ✅ $0 Down Payment
- ✅ No PMI Required
- ✅ Competitive Interest Rates
- ✅ Lenient Credit Guidelines
- ✅ Ability to reuse your VA loan benefit
With Houston’s strong housing market and a wide variety of VA-eligible homes, your VA loan can go further — giving you the opportunity to build equity in one of Texas’s most dynamic and affordable metro areas.
Top Houston Cities for Veterans
| Neighborhood | Median Home Price | Est. Monthly VA Mortgage Payment | Proximity to Bases | Notable Features |
|---|---|---|---|---|
| Pearland | $340,000 | $2,065 | Close to Ellington Field JRB | Family-friendly, top schools, easy Beltway access |
| League City | $330,000 | $2,005 | Near Ellington Field, USCG Sector | Suburban living, great schools, close to Galveston |
| Cypress | $325,000 | $1,975 | Moderate distance to all bases | Master-planned communities, highly rated schools |
| Katy | $310,000 | $1,885 | Moderate distance to VA Medical Center | Great for families, low crime, strong resale value |
| Spring | $300,000 | $1,825 | Accessible to central Houston | Growing area, mix of new builds and established homes |
| Pasadena | $280,000 | $1,705 | Close to Ellington Field JRB | Affordable homes, Military-friendly, great location |
| Humble | $270,000 | $1,645 | Near George Bush Intercontinental Airport | Budget-friendly, good commute options, established neighborhoods |
Neighborhood Insights
Pearland: A popular suburb just south of Houston, Pearland is known for its family-oriented atmosphere, top-rated schools, and easy access to Ellington Field JRB and the Texas Medical Center. It offers a mix of newer homes and established neighborhoods.
League City: Positioned between Houston and Galveston, League City offers scenic waterfront living, suburban charm, and proximity to Coast Guard operations. Its growing communities and strong schools make it ideal for Military families.
Cypress: Located in northwest Houston, Cypress is one of the area’s most desirable master-planned communities. With excellent schools, new construction homes, and easy access to Beltway 8 and 290, it’s a favorite among relocating Veterans.
Katy: A well-developed suburb with a small-town feel, Katy offers great schools, a strong community vibe, and a range of home options. It’s within reasonable commuting distance to the VA Medical Center and downtown Houston.
Spring: With rapid development and close proximity to IAH and central Houston, Spring offers both affordability and convenience. It features a variety of homes from starter to upscale, along with parks and family amenities.
Pasadena: East of Houston and near Ellington Field JRB, Pasadena offers affordable housing and a long-standing Military presence. The area is filled with local businesses, cultural spots, and easy highway access.
Humble: Just northeast of Houston, Humble is a budget-friendly option with a mix of new builds and established neighborhoods. Close to George Bush Intercontinental Airport and with quick highway access, it’s a practical choice for many Veterans.
BAH Rates in Houston
Understanding BAH Rates in Houston
Houston is one of the most diverse and Military-friendly metro areas in Texas — and your Basic Allowance for Housing (BAH) goes a long way here.
When paired with a VA loan, your monthly BAH can often cover most or all of your mortgage payment.
In 2025, BAH rates for Houston (MHA: TX278) have increased to reflect local housing trends, giving service members more buying power.
Your exact BAH amount depends on your pay grade and whether you have dependents.
When combined with your VA loan benefit, BAH can help you:
- Buy a home with no down payment
- Avoid PMI (Private Mortgage Insurance)
- Keep your out-of-pocket costs low
💡 Pro tip: In many cases, your BAH can fully cover your monthly mortgage, taxes, and insurance — making homeownership as affordable as renting.
2025 BAH Rates – Houston, TX (MHA: TX282)
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 | $1,929 | $1,446 |
| E-2 | $1,929 | $1,446 |
| E-3 | $1,929 | $1,446 |
| E-4 | $1,929 | $1,446 |
| E-5 | $2,136 | $1,608 |
| E-6 | $2,340 | $1,752 |
| E-7 | $2,358 | $1,938 |
| E-8 | $2,373 | $2,181 |
| E-9 | $2,463 | $2,232 |
| W-1 | $2,355 | $1,869 |
| W-2 | $2,364 | $2,178 |
| W-3 | $2,391 | $2,241 |
| W-4 | $2,496 | $2,334 |
| W-5 | $2,631 | $2,358 |
| O-1E | $2,361 | $2,133 |
| O-2E | $2,382 | $2,220 |
| O-3E | $2,514 | $2,328 |
| O-1 | $2,169 | $1,722 |
| O-2 | $2,337 | $2,070 |
| O-3 | $2,388 | $2,262 |
| O-4 | $2,676 | $2,346 |
| O-5 | $2,880 | $2,361 |
| O-6 | $2,907 | $2,367 |
| O-7 | $2,928 | $2,409 |
Houston Homebuyer Programs for Veterans
1. Homes for Texas Heroes Program (TSAHC)
Offered by the Texas State Affordable Housing Corporation, this program helps Veterans and Military members with down payment assistance and fixed-rate mortgages.
- Down payment assistance of 3% to 5% of the loan amount
- Grant or forgivable second lien loan options
- No first-time homebuyer requirement
- Eligible for Veterans, active-duty service members, and surviving spouses
2. Veterans Housing Assistance Program (Texas Veterans Land Board)
This state-run program provides low-interest home loans exclusively to Texas Veterans.
- Financing up to $806,500 for eligible Veterans
- Can be combined with VA, FHA, or conventional loans
- Interest rate discounts for disabled Veterans and surviving spouses
- Also available for home improvements
Texas Veterans Land Board Site
3. City of Houston Homebuyer Assistance Program (HAP)
HAP offers financial assistance to low- and moderate-income first-time buyers purchasing homes within Houston city limits.
- Up to $30,000 for down payment, closing costs, and prepaid expenses
- Forgivable loan after 5 years of occupancy
- Must complete a HUD-approved homebuyer education course
- Home must be located in the City of Houston
4. Harris County Down Payment Assistance Program (DAP)
This program supports first-time homebuyers purchasing homes in unincorporated areas of Harris County.
- Up to $23,800 in down payment and closing cost assistance
- No-interest, forgivable loan after 5 years
- Buyer must contribute at least $1,000
- Home must be in unincorporated Harris County
5. My First Texas Home & My Choice Texas Home (TDHCA)
These programs offer mortgage loans and down payment assistance through the Texas Department of Housing and Community Affairs.
- Up to 5% in down payment assistance
- 30-year fixed-rate mortgage options
- My First Texas Home is for first-time buyers and Veterans
- My Choice Texas Home is available to repeat buyers and Veterans
Find Your Ideal Property in Houston, TX
Popular searches in Houston, TX
Property types in Houston, TX
Homes by price in Houston, TX
Neighborhoods near Houston, TX
The Heights Homes for Sale
$625,000
River Oaks Homes for Sale
$2,100,000
Midtown Homes for Sale
$410,000
West University Place Homes for Sale
$1,300,000
Montrose Homes for Sale
$650,000
Galleria/Uptown Homes for Sale
$485,000
Memorial Homes for Sale
$900,000
Oak Forest Homes for Sale
$575,000
Spring Branch Homes for Sale
$425,000
Sharpstown Homes for Sale
$280,000
Third Ward Homes for Sale
$295,000
Independence Heights Homes for Sale
$310,000
Greenway/Upper Kirby Homes for Sale
$720,000
Alief Homes for Sale
$250,000
Medical Center Homes for Sale
$415,000
Northshore Homes for Sale
$240,000
Willowbend Area Homes for Sale
$430,000
Timbergrove/Lazybrook Homes for Sale
$610,000
Braeswood Place Homes for Sale
$770,000
Greater Inwood Homes for Sale
$235,000
Meyerland Homes for Sale
$465,000
Garden Oaks Homes for Sale
$665,000
Cities in Houston, TX
Katy Homes for Sale
$375,000
Pearland Homes for Sale
$360,000
The Woodlands Homes for Sale
$535,000
Sugar Land Homes for Sale
$445,000
Richmond Homes for Sale
$390,000
Missouri City Homes for Sale
$370,000
Spring Homes for Sale
$335,000
Humble Homes for Sale
$310,000
Cypress Homes for Sale
$365,000
League City Homes for Sale
$360,000
Friendswood Homes for Sale
$400,000
Baytown Homes for Sale
$265,000
La Porte Homes for Sale
$280,000
Pasadena Homes for Sale
$240,000
Seabrook Homes for Sale
$325,000
Texas City Homes for Sale
$235,000
Alvin Homes for Sale
$290,000
Rosenberg Homes for Sale
$310,000
Santa Fe Homes for Sale
$335,000
Galveston Homes for Sale
$410,000
Counties near Houston, TX
Harris County Homes for Sale
$340,000
Fort Bend County Homes for Sale
$420,000
Montgomery County Homes for Sale
$395,000
Brazoria County Homes for Sale
$350,000
Galveston County Homes for Sale
$340,000
Liberty County Homes for Sale
$270,000
Chambers County Homes for Sale
$375,000
Waller County Homes for Sale
$325,000
Walker County Homes for Sale
$295,000
Grimes County Homes for Sale
$310,000
Washington County Homes for Sale
$410,000
Matagorda County Homes for Sale
$290,000
Wharton County Homes for Sale
$265,000
Austin County Homes for Sale
$370,000
Colorado County Homes for Sale
$325,000
Burleson County Homes for Sale
$280,000
Jackson County Homes for Sale
$240,000
Fayette County Homes for Sale
$360,000
Hardin County Homes for Sale
$245,000
Zip codes near Houston, TX
77007 Homes for Sale
$570,000
77008 Homes for Sale
$610,000
77024 Homes for Sale
$1,250,000
77018 Homes for Sale
$500,000
77027 Homes for Sale
$895,000
77005 Homes for Sale
$1,400,000
77019 Homes for Sale
$750,000
77056 Homes for Sale
$670,000
77063 Homes for Sale
$395,000
77009 Homes for Sale
$440,000
77004 Homes for Sale
$375,000
77006 Homes for Sale
$550,000
77025 Homes for Sale
$520,000
77030 Homes for Sale
$680,000
77042 Homes for Sale
$370,000
77092 Homes for Sale
$315,000
77084 Homes for Sale
$305,000
77064 Homes for Sale
$295,000
77065 Homes for Sale
$310,000
77077 Homes for Sale
$420,000
Schools in Houston, TX
About the Houston, TX Housing Market
Facts About the Houston, TX Real Estate Market
Houston, TX, is a dynamic and growing city with a diverse real estate market that appeals to a wide range of buyers and renters. Here’s a comprehensive look at some key facts and figures:
Median Listing Home Price: The median price for homes currently listed in Houston is $355,000, offering opportunities for everyone from first-time buyers to luxury home seekers.
Median Days on Market: Homes in Houston spend an average of 45 days on the market, showing strong demand while still giving buyers time to explore options.
Median Listing Home Price Per Square Foot: The median price per square foot for listings in Houston is $178, providing solid value, especially in up-and-coming neighborhoods.
Active Listings: With around 8,000 active listings, Houston’s market includes everything from suburban family homes to urban townhouses and high-rise condos.
Median Rent: For renters, the median monthly rent in Houston is approximately $1,700, making it a competitive choice for those who want to enjoy city living without buying right away.
Houston, TX real estate & homes for sale
What is the median home price in Houston, TX?
Homes for sale in Houston, TX, have a median listing price of $355,000.
What is the average time to sell a house in Houston, TX?
On average, houses for sale in Houston spend about 45 days on the market.
What is the number of active homes for sale in Houston, TX?
There are currently around 8,000 active homes for sale in Houston, TX.
What are some of the most popular neighborhoods near Houston, TX?
Some of the hottest neighborhoods near Houston include The Heights, River Oaks, Midtown, West University Place, and Bellaire.
What are some popular zip codes and neighborhoods around Houston, TX?
You may also be interested in homes for sale in popular zip codes like 77024, 77007, and 77008, or exploring nearby areas like Katy, Pearland, and The Woodlands.
Why Buy a Home in Houston, TX?
Houston offers an exceptional mix of economic opportunities, cultural diversity, and vibrant neighborhoods. Known for its dynamic real estate market, Houston attracts buyers with its wide range of housing options, from urban condos to sprawling suburban homes.
Whether you’re looking for a family-oriented community, a lively downtown lifestyle, or a peaceful retreat, Houston has a neighborhood to fit your needs.
Top Features of Homes in Houston
- Architectural Styles: From historic craftsman bungalows in The Heights to luxury high-rises in Downtown and contemporary designs in suburban developments.
- Neighborhood Amenities: Many Houston communities boast parks, swimming pools, walking trails, and golf courses.
- Price Range: Housing options to suit any budget, from affordable starter homes to multi-million-dollar estates.
- Energy Efficiency: Modern homes in Houston often feature energy-efficient designs and hurricane-resistant construction to handle the Gulf Coast climate.
Real Estate Market Trends in Houston
- Steady Appreciation: Home values in Houston have shown consistent growth over time, making it a solid market for long-term investment.
- High Demand: Houston’s expanding population drives demand, particularly in suburban and newly developed areas.
- New Construction: Builders are focusing on energy-efficient and modern homes in areas like Cypress, The Woodlands, and Pearland.
- Rental Market Strength: The robust job market and transient workforce support strong demand in the rental sector.
Tips for Buying a Home in Houston
- Work with a Local Expert: A knowledgeable real estate agent familiar with Houston’s neighborhoods and trends can guide you to the right property.
- Secure Pre-Approval: Getting pre-approved for a mortgage helps you understand your budget and strengthens your offers.
- Consider Flood Zones: Research flood zones carefully, as some areas in Houston are prone to flooding. Plan for flood insurance if necessary.
- Explore Neighborhoods: Visit communities like The Heights, Katy, Sugar Land, and River Oaks to find the right match for your lifestyle.
Top Neighborhoods and Schools in Houston
| Neighborhood | Average Home Price | School Rating | Crime Rate | Local Amenities |
|---|---|---|---|---|
| The Woodlands | $500,000 | 9 | Very Low | Nature trails, shopping, dining |
| Sugar Land | $450,000 | 9 | Low | Family-friendly, excellent schools |
| Pearland | $350,000 | 8 | Low | Shopping centers, diverse communities |
| Clear Lake | $300,000 | 8 | Moderate | NASA, waterfront activities |
| Midtown Houston | $400,000 | 7 | High | Vibrant nightlife, arts scene |
| Montrose | $600,000 | 8 | Moderate | Eclectic shops, cafes, art galleries |
| Cypress | $350,000 | 8 | Low | Family-oriented, good schools |
| Kingwood | $325,000 | 9 | Low | Green spaces, business centers |
Elementary Schools
| School Name | Address | Student-Teacher Ratio | Total Students | Great Schools Rating |
|---|---|---|---|---|
| Bush Elementary | 9730 Stroud Dr, Houston, TX 77036 | 15:1 | 500 | 9 |
| Patterson Elementary | 5302 Allendale Rd, Houston, TX 77017 | 14:1 | 450 | 8 |
Middle Schools
| School Name | Address | Student-Teacher Ratio | Total Students | Great Schools Rating |
|---|---|---|---|---|
| Lanier Middle | 2600 Woodhead St, Houston, TX 77098 | 15:1 | 600 | 8 |
| Pershing Middle | 3838 Blue Bonnet Dr, Houston, TX 77025 | 16:1 | 550 | 7 |
High Schools
| School Name | Address | Student-Teacher Ratio | Total Students | Great Schools Rating |
|---|---|---|---|---|
| Bellaire High School | 5100 Maple St, Bellaire, TX 77401 | 17:1 | 2200 | 8 |
| Carnegie Vanguard High | 1501 Taft St, Houston, TX 77019 | 16:1 | 650 | 9 |
Frequently Asked Questions
1. What is the median home price in Houston, TX?
The median home price in Houston is approximately $355,000, offering diverse options for buyers across various price ranges.
2. How long do homes typically stay on the market in Houston?
On average, homes in Houston spend about 45 days on the market. Well-priced properties in desirable neighborhoods may sell faster.
3. What are the most popular neighborhoods for homebuyers in Houston?
Some of the top neighborhoods include:
- The Heights: Historic charm and a walkable lifestyle.
- River Oaks: Luxury homes and exclusive living.
- Katy: Family-friendly communities with top-rated schools.
- Midtown: Urban living with vibrant nightlife.
4. What should I consider when choosing a neighborhood in Houston?
Key factors include:
- Proximity to Work: Houston’s traffic can be a challenge, so living near your workplace can save time.
- Amenities: Look for nearby shopping, dining, parks, and schools.
- Flood Risk: Check FEMA flood maps and plan for insurance if needed.
5. Are there new construction homes available in Houston?
Yes, Houston has a growing inventory of new construction homes, particularly in suburban areas like Cypress, Pearland, and The Woodlands. These homes often include modern layouts and energy-efficient designs.
6. What is the property tax rate in Houston, TX?
Property tax rates in Houston range from 2.2% to 3.5% of a home’s assessed value, depending on the area. While higher than the national average, Texas has no state income tax, which offsets the cost for many residents.
7. Is it better to rent or buy a home in Houston?
Buying is often a better long-term investment in Houston due to steady home appreciation and low mortgage rates. However, renting is ideal for those who are new to the city or have short-term plans.
8. Do I need a real estate agent to buy a home in Houston?
While not mandatory, a local real estate agent is highly recommended. An agent can help you:
- Navigate Houston’s diverse market.
- Find the best neighborhoods for your needs.
- Negotiate the best price and terms.
- Handle paperwork and ensure a smooth closing process.
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