Schriever SFB Housing:
On-Base vs. Buying Off-Base

Most Schriever Space Force families don't realize that buying off-base with a VA loan puts thousands of dollars back in their pocket every year. Here's the math.

$0
Down Payment (VA Loan)
$2,595
O-3 Monthly BAH
15–30
Min Commute to Gate
$480K
Homes Start From

What neighborhoods are close to Schriever SFB in Colorado Springs?

The closest communities to Schriever Space Force Base are Falcon (15 min, homes from $480K), Black Forest (20 min, $600K+), Briargate (25 min, D-20 schools, $500K+), and Northgate (28 min, $500K+). Most Schriever families choose Falcon for its short commute, newer builds, and strong value. Using a VA loan, qualified buyers can purchase in any of these areas with $0 down and no PMI.

Should Schriever SFB Families Buy Off-Base or Live On-Base?

When you live in on-base housing at Schriever SFB, you forfeit your entire BAH — the government keeps it to cover your housing cost. When you buy off-base with a VA loan, you keep your BAH and use it to pay a mortgage — building equity instead of handing money back.

❌ On-Base Housing

  • Forfeit 100% of your BAH
  • No equity built
  • Subject to waitlists
  • Government controls your living situation
  • No asset when you PCS out
  • Limited options at Schriever

✅ Buy Off-Base (VA Loan)

  • Keep your BAH — use it for mortgage
  • Build equity every month
  • No down payment required
  • No PMI ever
  • Rent it out when you PCS — cash flow
  • Newer homes, better schools, more space

📊 The Math for an O-3 at Schriever SFB

Monthly BAH (O-3 with dependents)$2,595
Est. mortgage on $579K home (VA, 6.75%)$2,090
Monthly out of pocket$346 surplus
Equity built per year~$7,000+
On-base: equity after 3 years$0
Off-base: equity after 3 years$21,000+

What Are the Best Neighborhoods Near Schriever SFB?

These neighborhoods offer the best combination of commute, value, and quality of life for Schriever Space Force families.

Falcon

$480K – $650K

15 min to gate. Newer builds, open space, great value. The top choice for Schriever families.

View Falcon →

Black Forest

$600K – $2M+

20 min to gate. Wooded acreage, horses OK, privacy and space. Popular with senior officers.

View Black Forest →

Briargate

$500K – $800K+

25 min to gate. Top D-20 schools, master-planned community, excellent amenities.

View Briargate →

Northgate

$500K – $800K+

28 min to gate. Family-friendly, newer builds, great schools and shopping nearby.

View Northgate →

How the VA Loan Works for Schriever SFB Families

Whether you are active duty Space Force, a DoD civilian, or a contractor at Schriever SFB, you likely qualify for a VA loan. Here is how to use it:

Get your Certificate of Eligibility, connect with a VA-approved lender for pre-approval, then call Stacey. She specializes in helping Space Force families find homes that fit their BAH budget, close on tight PCS timelines, and build real wealth instead of forfeiting their housing allowance every month.

🏠 VA Loan Guide → 📊 Check BAH Rates → 🎖️ PCS Guide →

Talk to Stacey About Schriever SFB Housing

Tell Stacey your situation and she will reach out personally with options that fit your BAH and timeline.

Stacey Lynn

Stacey Lynn

Colorado Springs Real Estate | Military Relocation Specialist

📞 Click to Call ✉️ staceylynnhomes@gmail.com
📍 Interactive Map

See exactly where Schriever SFB sits relative to Falcon and surrounding neighborhoods — commute times, prices, and school districts all on one interactive map.

✈️ The map also shows KCOS airport flight paths — Schriever is well east of the main corridors, but the crosswind runway occasionally routes traffic toward the Falcon area.

View the Interactive Base Map →
Part of our Military & PCS Housing guide for Colorado Springs.
Emily — Schriever SFB Housing

About your agent: Stacey Lynn is a female Army veteran and spouse of a 22-year retired soldier — Colorado Springs' most personally qualified military realtor. She has lived the PCS life from both sides of the uniform. She specializes in VA loans, BAH-optimized searches, and fast closings for Fort Carson, Peterson SFB, Schriever SFB, and USAFA families. Meet Stacey →