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Buying a Home Near Keesler AFB: VA Loan Guide

TL;DR: If you have orders to Keesler AFB, this guide covers BAH purchasing power by pay grade, the five Mississippi Gulf Coast communities military families choose most, and what the Biloxi-area market actually costs after property taxes, insurance, and hurricane-zone realities. Before you start touring houses, grab your free VA Home Loan Snapshot — it takes 60 seconds and shows exactly what you can afford at current rates.

The Keesler AFB market is one of the most unusual buying situations in the Air Force. Biloxi-area median home prices sit well below the national average, but so does BAH for the Gulfport MHA — which means your purchasing power depends less on whether you can afford to buy and more on how much hurricane, wind, and flood insurance will eat into your monthly payment. For many pay grades, a VA loan mortgage near Keesler can land below local rent, especially north of I-10 where flood risk drops significantly. Before you start touring houses, the fastest way to get oriented is a free VA Home Loan Snapshot — a personalized report built around your BAH, the Biloxi market, and current rates, takes 60 seconds, no credit pull. Then use this guide to choose your neighborhood.

Keesler AFB BAH: What Your Housing Allowance Actually Covers

Keesler sits in the Gulfport Military Housing Area (MHA: MS168), which covers Biloxi, Gulfport, D’Iberville, Ocean Springs, Long Beach, and surrounding Harrison and Jackson County communities. BAH rates here are among the lowest in the Air Force — Keesler ranks 63rd out of all Air Force installations for BAH — but so is the cost of housing. For many ranks, BAH covers a solid entry-level home purchase, and at mid and senior grades it frequently exceeds what you’d pay to rent a comparable home.

Here are the complete 2026 monthly BAH rates for Keesler AFB, effective January 1:

Pay Grade With Dependents Without Dependents
E-1 through E-4 $1,509 $1,305
E-5 $1,602 $1,365
E-6 $1,620 $1,416
E-7 $1,770 $1,509
E-8 $1,938 $1,611
E-9 $2,139 $1,617
W-1 $1,635 $1,488
W-2 $1,836 $1,608
W-3 $2,046 $1,620
W-4 $2,175 $1,653
W-5 $2,331 $1,806
O-1 $1,614 $1,410
O-2 $1,617 $1,575
O-3 $2,040 $1,623
O-4 $2,379 $1,785
O-5 $2,625 $1,968
O-6 $2,643 $2,025
O-7 $2,658 $2,058

Data last verified: April 2026. Confirm your exact rate with the official DoD BAH Calculator or our BAH Calculator. For a deeper look at how BAH rates are set, see our 2026 BAH rates guide.

Here’s the important thing to understand about Keesler BAH: the rate decreased 0.2% from 2025, which sounds bad, but it reflects a stable Gulf Coast rental market rather than a declining one. Most E-5s and above with dependents find their BAH supports a home purchase in the $190,000 to $250,000 range near Keesler at current VA loan rates — and in north-of-I-10 neighborhoods that sit outside the high-risk flood zone, that number stretches further. Officers with dependents at O-3 and above are buying into the $275,000 to $400,000 range in Ocean Springs and D’Iberville comfortably.

Not sure how far your BAH actually stretches near Keesler AFB? Your free VA Home Loan Snapshot runs the real numbers at current rates — no credit pull, no obligation, takes 60 seconds.

The Keesler AFB Market Snapshot

The five communities below cover nearly every buying decision military families at Keesler make. Each sits within a 25-minute commute to one of the three base gates, and each has a distinct character and price profile.

Community Median Price Range Days on Market Market Type
Biloxi (mainland, north of I-10) $225,000–$270,000 ~65–90 days Balanced, tilting buyer-friendly
Ocean Springs $290,000–$325,000 ~67–88 days Balanced
D’Iberville $220,000–$280,000 ~35–45 days Competitive
Gulfport $210,000–$245,000 ~45–65 days Balanced
Long Beach / Pass Christian $230,000–$300,000 ~50–75 days Balanced

Data last verified: April 2026. Market data sourced from Redfin, Houzeo, and Homes.com. Confirm current figures with your local market expert.

Statewide, Mississippi is firmly in buyer-favorable territory heading into mid-2026, with roughly 1.5 to 2.2 months of supply across the Gulf Coast and homes regularly selling below list price. D’Iberville is the notable exception — homes there move faster than anywhere else in the Keesler commuter zone because of its location relative to the base and its reputation for dry ground.

Keesler AFB Gates: The Commute Rule

Before you choose a neighborhood, know your gate. Keesler operates three gates, and which one you use determines your real commute — not the straight-line distance on a map:

  • White Avenue Gate (Main Gate): Open 24/7. This is Keesler’s primary entrance, located directly off Highway 90 on the south side of base. The Visitor Center (Bldg 4605) sits adjacent to this gate and handles all non-DoD guest passes Monday through Thursday 0600–1700, Friday 0600–1600.
  • Pass Road Gate: Open 24/7. This is the faster gate for anyone commuting from the west (Gulfport, Long Beach) or from D’Iberville via I-110 south.
  • Meadows Gate: Open Monday through Friday 0530–1800, closed weekends and federal holidays. This is the go-to gate for anyone coming from north of I-10 during business hours.

All three gates run 100% ID checks. If you’re buying a home expecting to use the Meadows Gate for a short commute, build in a plan for weekends and after-hours — you’ll be using White Avenue or Pass Road instead.

Neighborhoods Military Families Choose Near Keesler AFB

Biloxi (Mainland, North of I-10) — Closest, Most Convenient

Best for: Families who want the shortest commute, proximity to the beach, and Biloxi Public Schools access without the Gulf-front flood exposure.

  • Median price range: $225,000–$270,000
  • Commute: 8–15 minutes to White Avenue Gate; 5–10 minutes to Meadows Gate
  • School district: Biloxi Public Schools (the same district that serves most of on-base housing)

Mainland Biloxi north of I-10 is where a huge share of Keesler’s junior enlisted and mid-career NCOs end up buying. You’re close enough that bad traffic doesn’t ruin your morning, high enough above the bay to dodge most of the serious flood risk, and zoned for Biloxi Public Schools — which the district actively markets to military families and where the School Liaison Officer at Keesler (228-376-8505) can help you navigate placement.

The neighborhoods tucked between Popp’s Ferry Road and Lorraine Road are especially popular with military families. Developers are actively building new subdivisions in this corridor — city officials confirmed in early 2026 that more than 300 new homes are in development across Kingsley Ridge (near Tailgaters, 200+ lots), Crystal Bay, and Avery Bay off Brodie Road. Additionally, DSLD Homes is actively selling new construction in several Biloxi communities in the $230,000s to $280,000s.

On-base housing near Biloxi

If you’re weighing this community against on-base housing, the Keesler base guide covers Bayridge, East Falcon, West Falcon, and Thrower Park in detail. Wait times typically run 1–3 months. Hunt Military Communities manages all on-base housing — call (228) 687-9969 to apply as soon as orders arrive.

Off-base neighborhoods in Biloxi

Focus your search north of I-10 and west of Biloxi Bay. The area around Popp’s Ferry Elementary (which serves on-base Thrower Park housing) is a particularly good bet for families wanting the same school as their neighbors on base. Verify the FEMA flood zone for any individual address before making an offer.

Ocean Springs — Best Schools, Best Character, Longer Commute

Best for: Families prioritizing school quality, walkable downtown life, and a more polished coastal-town feel — who don’t mind an extra 10 minutes in the car.

  • Median price range: $290,000–$325,000
  • Commute: 18–25 minutes to White Avenue Gate via Highway 90 and the Biloxi Bay Bridge
  • School district: Ocean Springs School District (Jackson County) — consistently the highest-rated district near Keesler

Ocean Springs is what families move to when they want the Gulf Coast version of a “real” small-town upgrade. The downtown is genuinely walkable, the restaurant scene is the best on the Mississippi coast, and the Ocean Springs School District has been the single biggest draw for military families chasing school quality. Consequently, this is the most expensive of the five main buying zones, though it has softened noticeably — January 2026 median sale prices were down almost 10% year-over-year, and homes sit on the market roughly 67 to 88 days.

Specifically, families with children should look at the feeder pattern for Ocean Springs Upper Elementary, which operates a dedicated military family support program. DSLD Homes is actively selling Scarlett Glen, a new-construction community in Ocean Springs with easy I-10 access to Keesler. Meanwhile, the commute penalty is real — Highway 90 during rush hour across the Biloxi Bay Bridge can stretch to 30 minutes from east Ocean Springs.

On-base housing near Ocean Springs

There’s no direct on-base equivalent to Ocean Springs. If school quality is your top priority, this community is why you leave the gate.

Off-base neighborhoods in Ocean Springs

The downtown district commands the highest prices per square foot. For better value, look at the established neighborhoods off Bienville Boulevard and the newer subdivisions north toward Vancleave. Notably, St. Martin (just west of Ocean Springs) offers Ocean Springs-adjacent access at D’Iberville-style prices.

D’Iberville — The Fast Mover, Dry Ground, Easy Commute

Best for: Families who want to buy quickly, avoid flood insurance costs, and stay close to shopping and schools without paying an Ocean Springs premium.

  • Median price range: $220,000–$280,000
  • Commute: 12–18 minutes to Meadows Gate via I-110 south; 15–20 minutes to White Avenue Gate
  • School district: Harrison County School District — D’Iberville Elementary, Middle, and High all rate well

D’Iberville is the dark horse of the Keesler market. Homes here sell faster than anywhere else in the Keesler commute zone — roughly 35 to 45 days on average — and the reason is simple: most of the town sits north of I-10, on higher ground, which means most properties don’t require flood insurance. For a military family running the BAH math, saving $1,200 to $2,500 a year on flood coverage is a significant deal.

Additionally, D’Iberville has a strong commercial footprint — The Promenade (the area’s major shopping and dining hub) is anchored here, along with the intersection of I-10 and I-110 that makes commuting in any direction straightforward. The Harrison County schools that serve D’Iberville are Niche-ranked well and incorporate advanced technology programs. River’s Edge, Windmill Ridge, and Orchard by the Bay are among the established subdivisions where families consistently look.

On-base housing near D’Iberville

Sandhill Landing — the on-base housing option located 20 miles north in Vancleave — sits in roughly the same direction as D’Iberville but further out. If you want to be near work and amenities, D’Iberville wins on both counts.

Off-base neighborhoods in D’Iberville

Focus north of I-10 for the best flood-insurance outcomes. Verify FEMA flood zone status for any specific address — some pockets of south D’Iberville near Back Bay still carry flood requirements.

Stuck between D’Iberville and Ocean Springs and not sure which fits your BAH and commute tolerance? Start your free PCS Plan — our local market experts know the Keesler area from every angle.

Gulfport — Lowest Prices, Longest Commute West

Best for: Families with tighter BAH who want the most house for the money and don’t mind a longer drive.

  • Median price range: $210,000–$245,000
  • Commute: 22–30 minutes to Pass Road Gate via Highway 90 or I-10 West
  • School district: Gulfport School District or Harrison County School District, depending on address

Gulfport is the largest city in the Keesler commute zone and the most affordable of the main options. Median home prices run $210,000 to $245,000, and you can still find solid 3-bedroom homes in established neighborhoods below $200,000. The catch is distance — your commute to Keesler runs 22 to 30 minutes each way via Highway 90 or I-10, and traffic on Highway 90 during tourist-heavy weekends can stretch that.

However, Gulfport has real advantages beyond price. The city has 36 neighborhoods, a strong school footprint, and proximity to NCBC Gulfport (the Navy Seabee base) if you’re a military couple with one spouse stationed at each installation. For E-3s and E-4s stretching their BAH, Gulfport can deliver a 3-bedroom home for a monthly payment that’s competitive with — or below — local rent.

On-base housing near Gulfport

Keesler families can request on-base housing at NCBC Gulfport’s housing communities, though availability varies significantly. Coordinate through Hunt Military Communities and your Keesler Military Housing Office.

Off-base neighborhoods in Gulfport

North Gulfport (the 39503 zip) offers the best balance of price, flood-risk reduction, and commute. Avoid buying in south Gulfport near the beachfront unless you fully understand the flood and wind insurance implications — premiums there are meaningfully higher.

Long Beach / Pass Christian — Beach-Adjacent, Pricier, Longer Drive

Best for: Families who prioritize small-town feel and beach lifestyle over short commutes.

  • Median price range: $230,000–$300,000
  • Commute: 30–40 minutes to Pass Road Gate via Highway 90
  • School district: Long Beach School District — highly rated

Long Beach and Pass Christian sit at the far western edge of the Keesler commute zone and draw families who want the quieter end of the Mississippi Gulf Coast. Long Beach specifically has built a reputation for strong schools and walkable neighborhoods, and for some families the longer commute is worth it for the small-town feel.

That said, the tax picture here is less favorable — Long Beach has the highest median property tax bill in Harrison County ($1,472 median). You’ll want to run the full numbers on any Long Beach or Pass Christian purchase, not just the sale price.

On-base housing near Long Beach

None. If you’re choosing this area, you’re choosing off-base life.

Off-base neighborhoods in Long Beach

The established neighborhoods north of Beatline Road and north of the CSX railroad tracks generally offer better flood-insurance outcomes than homes south of Highway 90. Always pull the FEMA flood map before you write an offer.

On-Base Housing vs. Buying: The Real Comparison at Keesler

The on-base housing decision at Keesler is more straightforward than at most installations because of how Hunt Military Communities structures it. If you take on-base housing, your rent equals your BAH — no more, no less — with no application fees, no credit check, and no security deposit. Two pets are permitted, subject to breed restrictions.

That simplicity has real appeal, especially for a first assignment or a short tour. It also has real trade-offs. When you buy off-base with a VA loan — $0 down, no PMI — you’re building equity with the exact same BAH dollars. In a market where median homes cost $220,000 to $270,000 and BAH for an E-5 with dependents is $1,602, the math often works: a VA loan mortgage payment (principal, interest, taxes, and insurance) lands below the full rent you’d pay anywhere off-base for a comparable home, and frequently within a few hundred dollars of your BAH itself. For deeper detail on how the VA loan works and when it beats renting, see our VA Home Loan guide.

The variable that changes this math at Keesler is insurance. More on that next.

What Military Buyers Need to Know About the Keesler Market

A few realities every Keesler buyer should weigh before touring homes:

Flood zones vary block by block. Biloxi has some of the highest flood-risk exposure in the country — Redfin data flags roughly 61% of Biloxi properties as at risk of severe flooding over the next 30 years. Homes south of I-10, especially those within a mile of the Gulf or Biloxi Bay, will almost always require flood insurance. Homes north of I-10 frequently don’t. The FEMA Flood Map Service Center lets you pull the official flood zone for any specific address before you make an offer — use it.

Wind deductibles are not the same as normal deductibles. Most Gulf Coast homeowner’s insurance policies in Mississippi carry a separate hurricane or named-storm deductible — typically a percentage of the insured dwelling value (1% to 5%), not a flat dollar figure. On a $250,000 home, a 2% named-storm deductible means you’re paying the first $5,000 out of pocket if a hurricane damages your home. Know this number before you sign, not after a storm.

Hurricane Hunters fly out of Keesler for a reason. The 53rd Weather Reconnaissance Squadron is based here because this coastline is one of the most storm-active in the country. Hurricane season runs June through November. Every military family living here needs an evacuation plan and an emergency kit — don’t wait until orders to arrive.

Casino industry changes everything about the local economy. Biloxi’s casinos are the area’s largest non-military employer, which supports restaurants, entertainment, and a high density of service jobs for military spouses. However, they also bring a specific traffic pattern to Highway 90 that matters if you’re commuting through it.

Before you PCS, assemble your paperwork with our PCS binder checklist, and if you’re moving yourself, our DITY/PPM move guide walks through 2026 mileage rates and reimbursement.

The Real Cost of Buying Near Keesler AFB: Taxes, Insurance, and What Your BAH Actually Covers

Here’s where the Keesler market gets interesting — and where most online mortgage calculators give you the wrong answer. Property taxes in Mississippi are low. Hurricane and flood insurance are not.

Property taxes

Most military families at Keesler buy in Harrison County (Biloxi, D’Iberville, Gulfport, Long Beach) or Jackson County (Ocean Springs, St. Martin). The effective property tax rate in Harrison County runs around 0.62% of market value — well below the 1.02% national median. On a $250,000 home, that’s roughly $1,550 per year, or about $130 per month added to your mortgage payment.

Mississippi’s homestead exemption reduces that further. Once you own and occupy the home as your primary residence, the first $7,500 of assessed value is exempt from ad valorem taxes, saving most homeowners $250 to $300 per year. You must apply with the county Tax Assessor between January 1 and April 1 each year — it is not automatic. In Harrison County, that office is the Harrison County Tax Assessor.

If you’re a disabled veteran rated 100% permanent and total by the VA, Mississippi exempts your entire homestead from all ad valorem property taxes. That’s one of the more generous disabled veteran exemptions in the country. The benefit transfers to an unremarried surviving spouse. See the full details at the Mississippi Department of Veterans Affairs. For a broader look at how taxes interact with your PCS move, our PCS tax write-offs guide covers deductions you can claim on your federal return.

State income tax on military pay

Here’s the honest answer — Mississippi is not a no-income-tax state. If your Home of Record is Mississippi, your active-duty pay is subject to Mississippi’s 4.4% flat income tax on income above the first $10,000. However, if your Home of Record is a different state (Texas, Florida, Tennessee, etc.) and you’re simply stationed at Keesler under orders, Mississippi does not tax your active-duty pay. The Servicemembers Civil Relief Act protects your state-of-residence status. Your spouse may also qualify to keep their home state for tax purposes under the Military Spouses Residency Relief Act. For your full compensation picture, see our 2026 military pay charts.

Military retirement pay is fully exempt from Mississippi state income tax — a meaningful benefit if you’re considering staying in the area after separation.

Homeowner’s insurance

This is the piece that matters most at Keesler. Biloxi homeowner’s insurance costs well above the national average because of hurricane, wind, and flood exposure. Recent industry data shows Biloxi homeowners paying approximately $3,700 to $5,900 per year for $300,000 of dwelling coverage — roughly $310 to $490 per month added to your payment.

That number can be significantly higher or lower based on:

  • How close the home is to the Gulf (premium rises sharply south of I-10)
  • Roof age and wind mitigation features (new roofs with wind straps materially lower rates)
  • Whether the policy includes windstorm coverage or excludes it (Mississippi Windstorm Underwriting Association coverage is a separate product)
  • Your deductible structure, including any hurricane or named-storm percentage deductible

USAA and Armed Forces Insurance (AFI) consistently offer the most competitive rates for military families on the Gulf Coast. Get quotes from both before accepting any other carrier’s offer.

Flood insurance

Standard homeowner’s policies do not cover flood damage — full stop. If your home is in a FEMA-designated Special Flood Hazard Area (Zone AE, VE, etc.), your mortgage lender will require a separate flood insurance policy. The average NFIP flood policy in Mississippi runs about $1,230 per year, though coastal homes can run substantially higher. The simplest way to dodge this cost is to buy north of I-10, in a community like D’Iberville or north Biloxi where most addresses sit outside the high-risk zone. Pull the official flood map at the FEMA Flood Map Service Center before you make any offer.

Most online calculators only show principal and interest. Your free VA Home Loan Snapshot factors in Harrison and Jackson County property taxes, Gulf Coast insurance realities, and flood insurance exposure so your number reflects what your payment will actually look like at Keesler — not a calculator’s clean estimate. Get Your Free Snapshot →

Frequently Asked Questions About Buying a Home Near Keesler AFB

What is the BAH for an E-5 with dependents at Keesler AFB?

The 2026 BAH rate for an E-5 with dependents at Keesler AFB is $1,602 per month. Without dependents, the rate is $1,365. These rates reflect a 0.2% decrease from 2025 and place Keesler 63rd highest among all Air Force installations for BAH.

What MHA is Keesler AFB in?

Keesler AFB is in the Gulfport Military Housing Area (MHA: MS168). BAH rates are the same for all service members stationed within this MHA, which covers Biloxi, Gulfport, D’Iberville, Ocean Springs, Long Beach, and most of Harrison and Jackson Counties.

Is it better to live on base or buy a home near Keesler?

It depends on your rank, family situation, and tour length. On-base housing at Keesler is straightforward — rent equals BAH, no deposits, no application fees. Buying off-base with a VA loan often produces a similar or lower monthly payment while building equity, especially at E-5 and above. The variable is insurance: Gulf Coast hurricane and flood coverage adds $300 to $500 per month versus a non-coastal market, which narrows the buying advantage. Run the full numbers before deciding.

Which Keesler gate is fastest during my morning commute?

For most commuters, the Pass Road Gate is the fastest 24/7 option — it handles traffic from Gulfport, Long Beach, and anyone coming south via I-110. The Meadows Gate is faster for commuters north of I-10 during business hours (0530–1800 weekdays), but closes on weekends and federal holidays. The White Avenue Gate on Highway 90 is 24/7 but tends to back up during casino and tourist traffic.

Do I need flood insurance if I buy near Keesler AFB?

It depends on the specific address. Homes south of I-10, especially within a mile of the Gulf or Biloxi Bay, almost always require flood insurance. Homes north of I-10 in D’Iberville, north Biloxi, Ocean Springs, and north Gulfport frequently sit outside the high-risk zone and don’t require it. Always pull the official FEMA flood map for any specific address before making an offer — it’s free and takes two minutes.

Which school district is best for military families near Keesler?

Ocean Springs School District is consistently the highest-rated of the districts in the Keesler commute zone. Biloxi Public Schools has a strong military support program through the School Liaison Officer at Keesler (228-376-8505) and serves all on-base housing. Harrison County School District serves D’Iberville and most of north Biloxi. Long Beach School District is well-rated but sits at the far western edge of the commute zone.

Does Mississippi tax my active-duty military pay?

Only if your Home of Record is Mississippi. If your state of residence is Texas, Florida, Tennessee, or any other no-income-tax state, Mississippi does not tax your active-duty pay while you’re stationed at Keesler under orders. Mississippi military residents pay a 4.4% flat rate on income above $10,000. Military retirement pay is fully exempt for all residents.

Is there new construction available near Keesler AFB?

Yes. DSLD Homes is the largest active new-construction builder on the Mississippi Gulf Coast, with communities in Biloxi, Gulfport, Ocean Springs (Scarlett Glen), Long Beach, and Pass Christian. Biloxi city officials confirmed in early 2026 that more than 300 new homes are in development across several subdivisions including Kingsley Ridge, Crystal Bay, and Avery Bay. D’Iberville also has active new construction in River’s Edge and similar communities.

What property tax exemptions do disabled veterans get in Mississippi?

Veterans with a 100% permanent and total service-connected disability rating from the VA are exempt from all ad valorem property taxes on their primary residence in Mississippi. The exemption transfers to an unremarried surviving spouse. Honorably discharged veterans aged 90 or older also qualify. Apply with the county Tax Assessor between January 1 and April 1 and bring your VA Summary of Benefits letter.

How much should I budget for homeowner’s insurance in Biloxi?

Expect $3,700 to $5,900 per year for $300,000 of dwelling coverage in Biloxi, which runs $310 to $490 per month. Rates are lower north of I-10 and higher south of it. Get quotes from USAA and Armed Forces Insurance (AFI) first — both offer competitive military-family rates. Wind deductibles are typically a percentage of dwelling value, not a flat dollar amount.

Can I use a VA loan for new construction at Keesler AFB?

Yes, though the process differs slightly from buying a resale home. VA loans can finance new construction, but the builder must be VA-approved and the home must be complete before you close. Most military families at Keesler buy finished inventory from builders like DSLD rather than custom new construction. For a complete guide to the process, see our VA Home Loan guide.

What’s the biggest mistake military families make when buying near Keesler?

Forgetting to factor insurance into the total monthly payment. A home that looks affordable based on principal and interest alone can easily add $400 to $600 per month once hurricane insurance, flood insurance, and a hurricane deductible are priced in. Always run the full PITI (principal, interest, taxes, insurance) before committing — that’s exactly what the VA Home Loan Snapshot is built to show you.

Key Takeaways for Buying a Home Near Keesler AFB

  • BAH covers real purchasing power here. Low BAH + low home prices = VA loan payments that frequently beat local rent, especially north of I-10.
  • Geography determines insurance cost. Homes north of I-10 in D’Iberville, north Biloxi, and Ocean Springs often skip flood insurance entirely. Homes south of I-10 almost always carry it.
  • Know your gate before you pick your neighborhood. White Avenue and Pass Road are 24/7. Meadows closes weekends and holidays.
  • Ocean Springs for schools, D’Iberville for speed, Biloxi for convenience, Gulfport for value. The five-community framework covers nearly every Keesler buying decision.
  • 100% disabled veterans pay zero property tax in Mississippi. Apply with the county Tax Assessor between January 1 and April 1.
  • Run the real numbers before you tour homes. Your free VA Home Loan Snapshot factors in BAH, taxes, hurricane insurance, and flood exposure — not just principal and interest. 60 seconds, no credit pull.