BAH Buying Power at JBSA-Camp Bullis
What Your Allowance Reaches on the Northwest Side
Camp Bullis is a training and range complex rather than a large permanent-party installation, so the people running these numbers are usually assigned to Fort Sam or Lackland and training at Bullis, or filling cadre and support roles on the northwest side. Either way, the housing decision is a Hill Country decision.
This is the most expensive corridor of the four. Stone Oak, Fair Oaks Ranch, and Boerne carry higher price-per-square-foot than the southwest or northeast sides, which means the same allowance buys a smaller or older home here. The offset is school zoning and resale strength — north-side and Boerne ISD homes historically hold value well.
Where Camp Bullis Families Put That Allowance
This is the Hill Country side of the metro. Lot sizes get bigger and terrain gets steeper as you move north and west, and pricing follows.
Stone Oak
Established north-side neighborhoods with NEISD zoning and heavy amenity inventory. HOA dues are common and should go into your payment math up front.
Helotes
Hill Country character with Northside ISD zoning and generally more house per dollar than Stone Oak. The 1604 commute to the Bullis gate is straightforward outside rush hour.
Fair Oaks Ranch
Larger lots immediately north of the training area and the shortest commute in this group. Boerne ISD zoning in much of it, and a price point that generally needs an upper allowance band.
Boerne
Small-town Hill Country living about 20-25 minutes out, with Boerne ISD's reputation as the draw. Kendall County tax rates differ from Bexar — confirm before you budget.
Commute Reality
Access is off I-10 and Camp Bullis Road on the northwest edge of the metro. Fair Oaks Ranch and Helotes are 10-20 minutes; Stone Oak is 15-25 depending on 1604; Boerne is 20-30. The I-10 corridor inbound in the morning is the pinch point.
Tour Length Matters Here
Because Bullis is primarily a training complex, many people here are on short course cycles while assigned elsewhere in JBSA. If your actual duty station is Fort Sam or Lackland, run the numbers for that gate instead — the corridor and the price point both change.
Your Numbers
BAH is set every January by DoD and varies by grade and dependent status. Look up your exact E-5 rate on the official DoD BAH calculator using ZIP 78234.
Estimated Buying Power
Enter your monthly BAH to see the home price it supports.
Assumptions
- 30-year fixed VA loan, zero down payment, no monthly mortgage insurance.
- 41% debt-to-income benchmark. Higher ratios are approvable with strong residual income.
- 2.15% funding fee financed into the loan (first use, no down payment) unless you mark yourself exempt.
- Tax and insurance figures are your inputs — verify the real numbers for the specific address and county.
- Estimate only. Not a commitment to lend or a rate quote.
BAH Buying Power by JBSA Installation
JBSA-Lackland BAH Buying Power
Southwest San Antonio
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JBSA-Randolph BAH Buying Power
Northeast San Antonio
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JBSA-Fort Sam Houston BAH Buying Power
Northeast San Antonio
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VA Loans at JBSA-Camp Bullis
Northwest San Antonio
Base VA loan guide →
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BAH & Buying Power Questions
Quick Answer
It depends on your 2026 BAH for San Antonio (military housing area TX311), your other qualifying income, your monthly debts, and the interest rate you lock. As a planning rule, VA underwriting targets a 41% debt-to-income ratio, so your total monthly debt including the new mortgage payment should sit near or below 41% of qualifying income. Enter your actual BAH above and the calculator returns a purchase price with zero down, no PMI, taxes and insurance included.
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