Moody AFB
Valdosta, Georgia · Air Force
Moody AFB is home to the 23rd Wing — the 'Flying Tigers' — operating A-29 Super Tucanos, HH-60W Jolly Green II rescue helicopters, and HC-130J Combat King II aircraft in south Georgia.
Moody AFB is one of the most affordable Air Force bases. Valdosta's cost of living is well below the national average, and BAH creates a strong surplus at every pay grade. Valdosta State University adds a college-town element with more dining and entertainment than you'd expect for a city this size.
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Showing E-5 with dependents for the Moody Afb, GA MHA.
E-5 w/dep BAH
$1,524/mo
Tax-free housing allowance
Median rent
$1,100/mo
Zillow / BestPlaces 2025–2026
Monthly surplus
+$424/mo
BAH minus median rent
What Your BAH Buys Here
If you rent at median, you keep about $424/month. But what about buying?
Median home price
$200,000
Zillow / BestPlaces 2026
Est. monthly mortgage (PITI)
$1,400–$1,600/mo
$0 down, ~6.5% rate, ~1.0% property tax + insurance
At $1,524/month BAH and an estimated $1,400–$1,600/month PITI on a median-priced home, BAH may cover a significant portion of a typical mortgage in this market — though actual costs vary based on rate, taxes, insurance, and individual circumstances.
Housing cost estimates are approximate and based on publicly available market data. Actual mortgage costs depend on interest rate, property taxes, insurance, HOA dues, maintenance, credit profile, and lender requirements. This is not financial advice — use these numbers as a starting point for your own research.
How This Market Compares
Moody AFB BAH for E-5 with dependents is $537/mo below the national average — but Valdosta's below-average cost of living means most pay grades keep a meaningful BAH surplus
E-5 w/dep BAH here
$1,524/mo
Natl median E-5 w/dep
$2,061/mo
vs. natl avg
-$537/mo
2026 BAH Rates — Moody Afb, GA
Monthly rates for all pay grades. Source: DTMO 2026 BAH data. BAH is not taxable income.
E-4 w/dep: $1,503/mo·E-5 w/dep: $1,524/mo·E-6 w/dep: $1,917/mo
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| Enlisted | ||
| E-1 (PVT/SR/Amn/Pvt) | $1,503 | $1,320 |
| E-2 (PV2/FA/A1C/PFC) | $1,503 | $1,320 |
| E-3 (PFC/SA/SrA/LCpl) | $1,503 | $1,320 |
| E-4 (SPC/Cpl/SN/Cpl) | $1,503 | $1,320 |
| E-5 (SGT/PO2/SSgt) | $1,524 | $1,416 |
| E-6 (SSG/PO1/TSgt) | $1,917 | $1,479 |
| E-7 (SFC/CPO/MSgt) | $1,950 | $1,512 |
| E-8 (MSG/1SG/SCPO) | $1,980 | $1,608 |
| E-9 (SGM/CSM/MCPO) | $2,097 | $1,722 |
| Warrant Officer | ||
| W-1 (WO1) | $1,938 | $1,509 |
| W-2 (CW2) | $1,962 | $1,605 |
| W-3 (CW3) | $2,007 | $1,737 |
| W-4 (CW4) | $2,130 | $1,920 |
| W-5 (CW5) | $2,289 | $1,956 |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $1,953 | $1,524 |
| O-2E (1LT — prior enlisted) | $1,995 | $1,695 |
| O-3E (CPT — prior enlisted) | $2,157 | $1,911 |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $1,578 | $1,476 |
| O-2 (1LT/LTJG/1stLt) | $1,914 | $1,521 |
| O-3 (CPT/LT/Capt) | $2,004 | $1,773 |
| O-4 (MAJ/LCDR/Maj) | $2,340 | $1,941 |
| O-5 (LTC/CDR/LtCol) | $2,589 | $1,959 |
| O-6 (COL/CAPT/Col) | $2,607 | $1,980 |
| O-7 (BG/RDML/BGen) | $2,622 | $2,013 |
O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026.
Local cost of living context
Overall cost of living is roughly roughly 15–18% below the national average.
Georgia taxes military pay at up to 5.75%. BAH and BAS remain tax-free at the federal and state level.
What to know before you move
Valdosta is a small south Georgia city — the Florida border is 15 minutes south. The mistake is not knowing that some families live across the state line in Lake Park or Madison, FL for slightly different housing options. Also, Valdosta gets hot and humid — budget for AC costs April through October.
Housing data is approximate and provided for informational and educational purposes only. Median rents and home prices reflect market estimates at time of publication and may not reflect current conditions. School ratings are sourced from third-party services and reflect their methodology. MilPayTools does not endorse specific neighborhoods, properties, landlords, or housing decisions. Always verify figures independently and consult with a qualified professional before making financial commitments.
What to do next
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Data Source & Disclaimer
BAH rates are from the Defense Travel Management Office (DTMO) 2026 BAH data, effective January 1, 2026. Rates are set by Military Housing Area (MHA), not individual ZIP code — all ZIPs in the same MHA receive identical rates. This page is for informational purposes only and is not affiliated with DoD, DTMO, or any government agency. Verify your entitlement at travel.dod.mil.