Rent with your OHA
Equity after
$0
- OHA per month
- Paid to a landlord
- What you keep
- $0
Own with your VA loan
Equity after
- Home value
- Loan balance
- From principal paid
- From appreciation
- Monthly P&I
Equity, year by year
Principal paid downAppreciationRenting: $0
Annual schedule
| Year | Interest | Principal | Ending balance | Home value | Equity |
|---|
Puerto Rico home prices
FHFA All-Transactions House Price Index for Puerto Rico, through June 30, 2026.
+0.9%Last 12 months
+35.5%Last 5 years · about 6.3% a year
+51.1%Last 10 years · about 4.2% a year
Island prices fell more than 30% from 2007 to 2018, then ran hard from 2020 to 2022. Use the slider to test slow and fast years. Past results don't promise future ones.
How OHA works on the island
- Puerto Rico pays OHA, not BAH. OHA reimburses your actual rent up to the rental ceiling for your grade and location. If rent is less, you don't keep the difference.
- A separate utility and recurring maintenance allowance is paid on top: $1,223 a month with dependents. A one-time Move-In Housing Allowance is $1,406.
- Without dependents, the rental ceiling is 90% of the with-dependents rate.
- If you buy, DTMO figures your OHA "rent" as the purchase price divided by 120, up to your ceiling. On the price above that is a month.
- Coast Guard in Puerto Rico: unaccompanied members must live in government housing when a vacancy exists. Get your written release from government quarters before you sign a lease or a contract.
- Army in Puerto Rico: Fort Buchanan draws the San Juan rate. Camp Santiago and Fort Allen draw the Ponce rate. Single junior enlisted soldiers generally live in the barracks when space is available. Get the housing office's approval in writing before you sign a lease or a contract.
- Reserve and Guard soldiers draw OHA while on active duty orders, such as AGR or orders longer than 30 days. Drilling between orders, there is no OHA. Confirm with your unit's finance office.
- Roosevelt Roads in Ceiba reopened in 2025 for Caribbean operations. Members there on deployment or temporary duty don't draw OHA. If you're permanently assigned, Roosevelt Roads has its own rate, shown here.
- Navy and Marine Corps reserve centers sit on Fort Buchanan and draw the San Juan rate. Reservists draw OHA only on active duty orders, such as AGR or orders longer than 30 days.
- Muñiz Air National Guard Base in Carolina draws the San Juan rate. Punta Borinquen and the old Ramey area draw the Aguadilla rate. Guard members draw OHA on AGR or active duty orders longer than 30 days.
- Recruiters, ROTC cadre and anyone assigned outside the main bases draw OHA for the town where they're assigned. All 18 Puerto Rico OHA areas are listed. If your town isn't named, it falls under "Other Puerto Rico."
OHA rental ceilings · Oct 2026
With dependents, monthly, DTMO OHA calculator, pay period Oct 1, 2026. OHA changes with surveys and exchange rates, so confirm your figure with your finance office.