PCS to Fort Cavazos | What Can a Military Pay Buy in Temple TX? [E-6 & O-3 Real Examples]

If you're PCSing to Fort Cavazos (formerly Fort Hood) and wondering what kind of home you can afford, you're in the right place! This guide will break down real examples of buying a home near Fort Cavazos, specifically showcasing new construction homes in Temple, TX. Whether you're a Staff Sergeant E-6 or a Captain O-3, it's important to understand your options before making your big move. Central Texas offers affordable, high-quality living with beautiful homes, great communities, and a strong support system for military families.

Table of Contents

• PCS to Fort Cavazos: Example Scenarios for E6 and O3 Ranks
• How to Get Pre-Qualified for Central Texas Real Estate
• Buying a Home Near Fort Cavazos: What You Need to Know
• Home Tour #1: Temple TX New Construction Under $300K
• Home Tour #2: Buying a Home Near Fort Cavazos for $465K
• Schedule a Tour and Start Your PCS Home Search Today
• FAQs About PCSing to Fort Cavazos

PCS to Fort Cavazos: Example Scenarios for E6 and O3 Ranks

When considering a move to Central Texas, it’s crucial to know what your military pay can afford. In this article, we’ll look at two different scenarios based on rank: a Staff Sergeant E-6 and a Captain O-3. Both individuals have six years of service, a debt-to-income (DTI) ratio of 45% or less, and no dependents. Based on these criteria, we can estimate what kind of homes each can afford in Temple, TX.

For the Staff Sergeant E-6, the lender suggests a budget of around $300,000 for a home. On the other hand, the Captain O-3 can afford a home priced between $475,000 to $500,000. It’s essential to note that these figures can vary by plus or minus $25,000, depending on individual circumstances.

How to Get Pre-Qualified for Central Texas Real Estate

Before diving into home options, it’s advisable to get pre-qualified. This process involves discussing your financial situation with a lender who can provide insight into what you can realistically afford. Each military member's situation is unique, so the pre-qualification process will help tailor your home search to your specific needs.

If, for instance, a Sergeant E-5 thinks they can only afford a $300,000 home but finds they qualify for a higher amount, it opens up more options. Alternatively, if the pre-qualification shows they can afford less, the lender will work with them to find a suitable home within their budget.

Buying a Home Near Fort Cavazos: What You Need to Know

When looking for a home near Fort Cavazos, it’s essential to consider not just the price, but also the community and amenities available. The local real estate market is diverse, and as a military family, you want to ensure you're investing in a neighborhood that aligns with your lifestyle and needs.

The two homes we’ll be exploring in this article are new constructions in Temple, Texas. They represent different price points based on the scenarios we’ve discussed.

Home Tour #1: Temple TX New Construction Under $300K

Let’s start with the first tour, focusing on the home suitable for the Staff Sergeant E-6. Located at 2923 Atcosa Drive, Temple, Texas, this Cory Herring home is listed for $298,900. The home features:

• Three bedrooms
• Two bathrooms
• Just under 1,500 square feet

This home was completed in late 2024 and has a spacious layout perfect for small families or individuals looking for a cozy space. Let's take a look inside!

Features of the First Home

As we walk through the home, you’ll notice:

• Modern kitchen with updated appliances
• Open concept living space
• Natural lighting throughout the house

This home offers a great value for those in the military looking to settle down in Central Texas.

Home Tour #2: Buying a Home Near Fort Cavazos for $465K

Next, we’ll explore the second scenario, which is the home suitable for the Captain O-3. Located at 4420 Austin Circle in Temple, this home is listed at $465,000. Here are some of its features:

• Three bedrooms
• Two bathrooms
• Just over 2,800 square feet

This home boasts plenty of space and custom touches that make it stand out. It includes a dedicated office area, a large kitchen, and an impressive primary bathroom.

Features of the Second Home

The moment you step inside, you’ll be greeted by:

• High ceilings and open layout
• Gourmet kitchen with high-end finishes
• Luxurious primary suite with spa-like bathroom

This home is perfect for military families looking for more space and modern amenities.

Schedule a Tour and Start Your PCS Home Search Today

If you're considering a PCS to Fort Cavazos, now is the time to start your home search. Each military member's situation is different, so it's crucial to reach out for personalized assistance. I am here to help you navigate the local real estate market, ensuring you find a home that meets your needs and budget.

Don't hesitate to contact me via text, email, or phone call. You can also register on my website for more information. Plus, if you need help with VA loans, the Texas Veterans Commission is an excellent resource to get you squared away.

📱 253-820-7327⠀ 📧 mattd@thevistarealtors.com

FIND YOUR HOME NEAR FORT CAVAZOS

FAQs About PCSing to Fort Cavazos

What is the average cost of homes near Fort Cavazos?

The average cost of homes varies significantly based on rank and financial situation, ranging from around $300,000 for lower ranks to upwards of $475,000 for higher ranks.

How do I get pre-qualified for a home loan?

Contact a local lender who can assess your financial situation and provide a pre-qualification letter based on your income, debts, and credit score. If you don't have a trusted lender yet, I’d be happy to connect you with one.

What are the benefits of living in Central Texas?

Central Texas offers affordable housing, a strong sense of community, and a variety of amenities, making it an ideal place for military families.

Are there VA loan options available in Central Texas?

Yes, there are many VA loan options available that can help military personnel secure financing with favorable terms.

In conclusion, moving to Central Texas is one of the smartest choices for military families PCSing to Fort Cavazos. With its affordable home prices, strong veteran support, and unbeatable location, you're sure to find a home that fits your needs. If you're ready to start your journey, reach out today!