Relocating to Davis-Monthan AFB in Tucson, AZ: Here’s What You Should Know About Military Home Buying Programs

PCS’ing to Davis-Monthan AFB? Let’s get you into the right Tucson home — fast and with the best benefits.
Hey military families! If you’re headed to Davis-Monthan AFB in Tucson, AZ, I’ve got the data you need. I’m Jill with the TJK Team, and I’ve helped dozens of Airmen and their families land the perfect house using every military benefit available. Let’s break down exactly what you need to know.

Why Tucson & Davis-Monthan Are a Perfect Match

Davis-Monthan is home to the 355th Wing, the A-10 Thunderbolt II, and over 10,000 active-duty personnel and families. Tucson’s market is strong, inventory is low, and VA loans are king here — over 30% of purchases near base use VA financing (Tucson MLS, 2025). That means you’ve got serious advantages.

Quick stats:

• Median price near base: $325K–$375K
• Average days on market: 28–38 days
• VA loan usage: 30%+ (highest in Southern Arizona)

The Military Home-Buying Superpowers You Already Have

Here’s what the data shows works best for DM families:

1. VA Loan = $0 Down
   Zero down payment, no PMI, and rates averaging 6.25% in November 2025. I’ve closed VA loans in 21 days — faster than conventional in this market.
   
   
2. BAH Covers Most Mortgages
   E-5 with dependents: $2,478/month
   That covers a $350K home with room to spare.
   
   
3. PCS Entitlements
   DITY moves, TLE, and dislocation allowance can fund your entire closing costs.
   
   
4. No Funding Fee for Disabled Veterans
   10%+ disability rating = $0 VA funding fee (saves $7,000+ on a $350K loan).
   
   

Top Neighborhoods for Davis-Monthan Families

These areas give you the shortest commute and best schools:

I’ve closed multiple homes in each of these — happy to run fresh comps for you.

Step-by-Step: Buying Near Davis-Monthan in 2025

1. Get Your VA Pre-Approval → Takes 24–48 hours with the right lender (I’ll connect you).
2. Secure Your COE → Certificate of Eligibility — I’ll walk you through it.
3. Find Your Home → We target the neighborhoods above.
4. Write a Clean Offer → VA appraisal is key — I know the appraisers who cover DM.
5. Close Fast → Average 21–28 days with my military-focused title partners.

Result? Keys in hand before your leave is up.

Pro Tips from My Recent DM Relocations

• Ask about temporary lodging reimbursement — up to 10 extra days if your home isn’t ready.
• Use Navy Federal or Veterans United — fastest VA processing in Tucson.
• List your current home before PCS orders — maximizes your equity.
• Schedule your inspection the day after going under contract — DM area inspectors book 2 weeks out.

Ready to Make Tucson Home?

Relocating to Davis-Monthan AFB doesn’t have to be stressful. The TJK Team has helped dozens of military families land the perfect home — fast and with every benefit you’ve earned.

Would a free VA buyer consultation and current BAH-to-mortgage breakdown help you plan your move? Call or text me directly at 520.222.9611 — I’m here for you!

Each office independently owned and operated. For tax or financial planning, please consult your base legal or financial counselor.

Resources

• Tucson MLS Data: https://www.tucsonrealtors.org/mls
  
  
• VA Loan Information: https://www.va.gov/housing-assistance/home-loans
  
  
• Davis-Monthan AFB Housing Office: https://www.dm.af.mil/Housing
  
  
• Military OneSource PCS Resources: https://www.militaryonesource.mil/moving-pcs
  
  
• 2025 BAH Rates (Davis-Monthan): https://www.defensetravel.dod.mil/site/bahCalc.cfm
  
  
• Veterans United Home Loans (VA specialist): https://www.veteransunited.com
  
  
• Navy Federal Credit Union (military lender): https://www.navyfederal.org
  
  
• NAR Military Relocation Guide: https://www.nar.realtor/military-relocation