Why Military Families Choose the Florida Gulf Coast

The Florida Gulf Coast is home to several military bases, including NAS Pensacola, Eglin Air Force Base, and Hurlburt Field, making it a common relocation destination for service members and their families. The region offers numerous advantages that make it an ideal place to live:

• Proximity to Bases – The Florida Gulf Coast has several military bases, reducing commute times and ensuring quick access to military facilities, commissaries, healthcare centers, and other essential services. This makes daily life easier for service members and their families, allowing them to focus on their duties while enjoying a comfortable home environment.

• Great Schools & Family-Friendly Communities – The Gulf Coast is known for its top-rated schools, making it a fantastic place for military families with children. The availability of extracurricular programs, community support groups, and child-friendly amenities ensures a stable and nurturing environment. Additionally, military-friendly communities provide a welcoming atmosphere where families can connect with others who understand the unique challenges of military life.

• Tax Benefits & Incentives – Florida is a military-friendly state with significant financial benefits. There is no state income tax, which allows military families to save more of their earnings. Additionally, property tax exemptions are available for eligible veterans and active-duty service members, further enhancing financial stability.

• Beautiful Coastal Living – One of the most appealing aspects of living in the Florida Gulf Coast is the stunning natural scenery. With white sandy beaches, warm weather, and outdoor recreational opportunities such as fishing, boating, and hiking, military families can enjoy a high quality of life when they’re off duty.

Buying vs. Renting: What’s Best for You?

One of the biggest decisions when relocating is whether to buy or rent. Military families have unique considerations due to the potential for frequent moves. Here are some factors to consider:

Buying a Home

• Long-Term Investment – If you plan to stay for more than three years, buying may be the smarter financial move, allowing you to build equity over time.

• VA Loan Benefits – Military families can take advantage of VA loans, which require no down payment and offer lower interest rates compared to conventional loans. This makes homeownership more accessible and affordable.

• Building Equity – Instead of paying rent, owning a home allows you to invest in property value growth over the years. When it’s time to move, you can rent out your home for additional income or sell it for a profit.

Renting a Home

• Flexibility – If you anticipate another PCS (Permanent Change of Station) soon, renting might be the better option to avoid the hassle of selling your home later.

• Lower Upfront Costs – Renting requires fewer initial costs, making it a practical choice if you prefer to allocate your finances elsewhere.

• Less Responsibility – Home maintenance and repairs are typically handled by landlords, saving you time and effort during your stay.

Best Neighborhoods for Military Families

Finding the right neighborhood is key to a smooth transition. Military families prioritize safety, school quality, and proximity to base when choosing where to live. Here are some of the top military-friendly areas:

• Pensacola – Ideal for those stationed at NAS Pensacola, offering affordable housing, strong military support, and excellent schools. The area has a mix of historic homes and new developments, providing options for various budgets.

• Navarre – A quiet, family-friendly community close to Hurlburt Field, featuring top-rated schools, beautiful beaches, and a slower pace of life.

• Fort Walton Beach – A popular choice for Eglin AFB families, with a variety of housing options, from apartments to single-family homes. The area has a vibrant community with frequent military-oriented events and activities.

• Destin – A great option for families who love coastal living near Eglin AFB. It offers upscale housing, breathtaking beaches, and a resort-like atmosphere.

• Panama City – Convenient for service members stationed at Tyndall AFB, with a growing housing market and a strong sense of community.

Understanding VA Loans & Military Homebuyer Benefits

VA loans offer unique advantages to military families and veterans. These government-backed loans make homeownership easier and more affordable. Here’s what you need to know:

• No Down Payment – Unlike conventional loans, VA loans require no down payment, making it easier for military families to purchase homes.

• Lower Interest Rates – VA loans typically offer competitive interest rates, which can save thousands of dollars over the life of the loan.

• No Private Mortgage Insurance (PMI) – Since VA loans don’t require PMI, monthly mortgage payments are lower compared to conventional loans.

• Flexible Credit Requirements – VA loans are more lenient with credit scores, allowing more service members to qualify.

Schooling & Childcare for Military Families

Education and childcare are top priorities for relocating families. The Florida Gulf Coast offers excellent resources to support military children’s unique needs:

• Military-Friendly Schools – Many schools have military liaisons, transition programs, and support services to help children adjust.

• DoDEA Schools – Some bases have Department of Defense Education Activity (DoDEA) schools, which follow a curriculum tailored to military families.

• Free & Discounted Childcare – On-base childcare centers provide affordable options, and many off-base providers offer discounts for military families.

PCS Checklist: What You Need to Do Before Moving

A Permanent Change of Station (PCS) requires careful planning. Here’s a checklist to help you stay on track:

1. Contact Your Base Housing Office – They can provide guidance on on-base and off-base housing options.

2. Research the Local Market – Work with a military relocation specialist to find the best housing options.

3. Plan for Temporary Lodging – Book a hotel or temporary housing in advance.

4. Transfer Important Documents – Gather school records, medical documents, and financial paperwork.

5. Update Your Address – Notify banks, insurance providers, and the USPS about your move.