Pensacola Military Housing

Pensacola's #1
military relocation REALTOR®

I'm Gregg Costin, a retired USAF Captain, E-3 AWACS Combat Systems Officer and Realtor licensed in Florida and Alabama. After 11 personal PCS moves, I help you compare your base, housing allowance, commute and total monthly cost before choosing where to live.

Call or text: (850) 266-5005  ·  Text Gregg  ·  Email: [email protected]

Gregg Costin, Realtor® · Levin Rinke Realty · 220 W Garden St, Pensacola, FL 32502 · Licensed in Florida & Alabama · Equal Housing Opportunity · Privacy · Accessibility

USAFPrior Enlisted, Retired Combat Systems Officer11Personal PCS MovesTop 0.8%Pensacola Agents5.0 ★Zillow Premier Agent30 team reviews5.0 ★Google Reviews60 reviews$25M+Military Family Real Estate VolumeMore than $25M in 2025 alone

Your orders. Your destination.

Every move starts with a base.

Explore your installation, compare housing options and keep a printable PCS guide close at hand.

Explore the full library

Installation photographs are archival. Area and illustrative photographs show context, not available listings. Photography credits.

From orders to arrival

Make the next step a clear one.

A practical sequence for the move, with room for the things military life changes.

  1. Start with your orders

    Confirm the installation, command, report date and authorized gate. Choose the matching base guide.

    Choose your base

  2. Build the whole budget

    Compare your allowance with the payment, taxes, insurance, dues, maintenance and cash reserves.

    Explore BAH & budgeting

  3. Compare homes with context

    Review the route, condition and address-specific costs. Plan video tours and independent inspections if you are away.

    Plan a remote purchase

  4. Land with a backup plan

    Coordinate contract deadlines, closing and household goods. Keep temporary lodging options ready.

    Follow the PCS checklist

Answers for the decisions ahead

Good information. A stronger start.

Go deeper on VA loans, first-time buying, PCS planning and military housing benefits.

All guides & tools
A Blue Angels Hornet flying beside another aircraft above Naval Air Station Pensacola

Finance the move

Understand your VA home loan

Eligibility, entitlement, cash to close and the questions to take to your lender.

Read the guide
Two aviators in flight suits walking across a flightline in front of sunshade hangars and trainer aircraft

Your PCS timeline

Turn orders into a moving plan

Work backward from your report date with a practical relocation checklist.

Read the guide
A smiling couple holding up keys in front of a wood-sided house with a sold sign

First-time buyers

Buy your first home with a plan

From lender conversations and tours to inspections, contract dates and closing.

Read the guide
An Air Force officer in service dress at a ceremony with flags behind

Military & veteran resources

Know which benefits to verify

Explore Florida benefits and the agencies that confirm your personal eligibility.

Read the guide

Gregg and his family with an E-3 AWACS aircraft. Photography credits.

Gregg Costin, Realtor with The Costin Team at Levin Rinke RealtyGregg Costin · Realtor®

Military experience. Local real estate guidance.

Your move matters.
So does who is beside you.

I'm Gregg Costin, a retired U.S. Air Force Captain and E-3 AWACS Combat Systems Officer. Eleven personal PCS moves taught me how much a clear plan matters when your home, career and household are all moving at once.

Today, I help buyers and sellers through The Costin Team at Levin Rinke Realty. We connect the real estate search with the practical questions: your duty location, your timeline, the condition of the home and what it will actually cost to own.

Meet Gregg & the team View my Levin Rinke Realty profile

Real estate guidance in Florida and Alabama. Your lender confirms loan approval and VA requirements; the responsible agency confirms benefits eligibility.

Find your place on the coast

Beyond the gate. Into your day-to-day.

Explore every community guide, from Pensacola and the Emerald Coast to Orange Beach and Gulf Shores, Alabama. Compare the neighborhoods, housing choices and ownership questions around your next assignment.

Browse community guides
The Pensacola Bay Bridge stretching across the water toward Gulf Breeze

Gulf Breeze

Compare Gulf Breeze proper and the wider peninsula. Check bridge traffic, flood exposure and the assigned schools for each address.

Explore the area
The Navarre Beach Fishing Pier reaching over the Gulf at Navarre Beach

Navarre

Explore mainland and beach properties in Santa Rosa County. Compare US 98 access, insurance and the route to your reporting gate.

Explore the area
The Blackwater River winding through pine forest in Santa Rosa County

Pace

Compare established subdivisions and new construction west of Milton, including lot size, association costs and the drive to Whiting Field.

Explore the area
A historic red-brick building in downtown Milton, Florida

Milton

Explore homes around the Santa Rosa County seat and routes to Whiting Field. Verify the property location and assigned school boundaries.

Explore the area
Longleaf pine flatwoods with a saw-palmetto understory in Northwest Florida

Cantonment

North Escambia County options include larger lots and subdivisions. Compare the exact address, utilities and route to your duty station.

Explore the area
Illustrative aerial photograph of homes in a wooded suburban neighborhood

Beulah

Explore northwest Escambia County near the Navy Federal campus. Compare newer construction, association fees and access to west Pensacola bases.

Explore the area
Archival aerial photograph of Perdido Key and surrounding waterways

Perdido Key

Barrier-island homes and condos require a close look at flood coverage, association finances, use restrictions and the route to NAS Pensacola.

Explore the area
A historic Pensacola cottage with a covered front porch

East Pensacola Heights

Compare established homes near Bayou Texar and downtown Pensacola. Review property condition, elevation and your daily destinations.

Explore the area
A historic Pensacola cottage with a wide porch and gingerbread trim

East Hill

Explore historic homes and newer infill near central Pensacola. Compare renovation records, parking and the route to your reporting gate.

Explore the area
Illustrative residential street beneath live oaks and Spanish moss

Cordova Park

Established central Pensacola housing near shopping and the airport. Check the address-specific school assignment and home condition.

Explore the area
A cloud-swept view across Escambia Bay near Pensacola

Ferry Pass

Explore north Pensacola homes with access to the university and Interstate 10. Compare property age, insurance and your full daily drive.

Explore the area
Illustrative single-story ranch home with a garage and front lawn

Bellview & Myrtle Grove

Compare west Pensacola properties and routes to Corry Station and NAS Pensacola. Roof age, condition and insurance can change the monthly cost.

Explore the area
Archival photograph of sailboats on Bayou Grande near Navy Point

Navy Point & Warrington

Explore established neighborhoods near NAS Pensacola and Bayou Grande. Review elevation, flood insurance and the actual gate route.

Explore the area
Archival photograph of sunrise over Choctawhatchee Bay near Niceville

Niceville & Valparaiso & Bluewater Bay

Compare three distinct areas east of Eglin. Review the gate route, property costs and verified school assignment for each home.

Explore the area
Archival photograph of Brooks Bridge and the water tower at Fort Walton Beach

Fort Walton Beach

Explore housing between the Eglin and Hurlburt areas. Compare year-round travel, property condition and total ownership costs.

Explore the area
Sunset over the Fort Walton Beach shoreline near Mary Esther

Mary Esther

Compare properties around Hurlburt Field and Santa Rosa Sound. Check gate access, US 98 traffic and address-specific insurance quotes.

Explore the area
Illustrative photograph of a waterfront boardwalk and gazebo at dusk

Shalimar

Explore housing around the bayous south of Eglin. Compare the gate route, flood exposure and the documents for waterfront properties.

Explore the area
Destin Harbor and the Gulf shoreline in Destin, Florida

Destin

Compare coastal homes and condos with the year-round drive to Eglin or Hurlburt. Review association costs, insurance and permitted property uses.

Explore the area
An AC-130J Ghostrider on display at Bob Sikes Airport in Crestview, Florida

Crestview

Explore north Okaloosa County homes and new construction. Compare Highway 85 travel to Duke Field or Eglin with the full monthly housing cost.

Explore the area
Archival photograph of a boat, docks and waterfront condominiums in Orange Beach, Alabama

Orange Beach, Alabama

Explore the Alabama coast with your Pensacola assignment in mind. Compare the gate route, condo requirements and ownership costs.

Explore the area
Archival photograph of raised coastal homes and palm trees in Gulf Shores, Alabama

Gulf Shores, Alabama

Compare Gulf Shores homes and condos alongside the full drive to your reporting location, flood insurance and Alabama ownership details.

Explore the area

Verify school assignment, your daily route, flood exposure and insurance for each address. Area photos are descriptive; archival and illustrative images are identified in photography credits.

Where should your PCS home search start?

Start with the installation on your orders, then work through the housing decision. Each guide below answers a different part of the move.

How much home fits your monthly budget?

Start with your 2026 allowance, then include principal, interest, taxes, insurance, association costs and a maintenance reserve. A BAH-based scenario is a planning estimate. Your lender evaluates income, debts, entitlement and the property before approving a loan.

Can you buy before arriving?

A remote purchase may be possible with video tours, independent inspections and a closing process approved by your lender and title company. Confirm occupancy requirements and any power of attorney early. Keep a lodging backup if the closing or household-goods delivery moves.

How long will temporary lodging be reimbursed?

TLE may cover up to 21 days for an eligible move to a CONUS duty station, subject to the Joint Travel Regulations. TLA concerns eligible temporary lodging outside CONUS; TLF describes lodging facilities. Confirm your entitlement with finance. A reservation or delayed home closing does not establish reimbursement eligibility.

Should you rent, buy, or sell before the next move?

Compare the length of your assignment, cash reserves, transaction costs and the work of owning a home from a distance. If you already own, model both net sale proceeds and rental cash flow, including vacancy, repairs and management.

Military Real Estate Services

  • PCS Relocation
    End-to-end support for military families PCSing in to or out of the Florida Panhandle. Virtual tours, remote closings, POA handling for deployed members.
  • VA Home Loans
    VA Pamphlet 26-7 expertise. Zero-down structure, funding fee guidance, no PMI, seller-concession strategy that actually closes.
  • Seller Representation
    SRS-certified listing service for families receiving orders. Timeline-driven pricing, professional photography, coordinated remote signing.
  • BAH-Aligned Home Search
    MHA-specific property matching for FL064 (Pensacola) and FL056 (Eglin AFB). Pay-grade and dependent-status aware.

Military Installations I Serve

Communities Covered

Gulf Breeze · Navarre · Pace · Milton · Cantonment · Perdido Key · East Pensacola Heights · East Hill · Cordova Park · Ferry Pass · Bellview & Myrtle Grove · Navy Point & Warrington · Niceville, Valparaiso & Bluewater Bay · Fort Walton Beach & Shalimar · Destin · Crestview

Designations & Recognition

  • MRP®: Military Relocation Professional (NAR)
  • FMS®: Florida Military Specialist (Florida Realtors)
  • ABR®: Accredited Buyer's Representative (NAR)
  • SRS®: Seller Representative Specialist (NAR)
  • RENE®: Real Estate Negotiation Expert (NAR)
  • Forbes Global Properties - Rookie of the Year for 2025 (Levin Rinke Realty brokerage recognition)
  • Zillow Premier Agent · Top 0.8% Pensacola Area
  • Licensed Florida & Alabama

Finance and Planning Resources

Base & Neighborhood Comparisons

Start Your PCS or Home Search

No pressure, no obligation. Just a clear plan for your orders and your family.

Call (850) 266-5005  ·  Email [email protected]

Disclaimer. Gregg Costin is a Florida- and Alabama-licensed Real Estate Agent with Levin Rinke Realty (220 W Garden St, Pensacola, FL 32502). Information on this site (including BAH figures, VA loan terms, funding fees, tax rules, homestead and disability benefits, school zoning, and rental/investment commentary) is provided for general informational purposes only and is not legal, tax, financial, mortgage, lending, or investment advice. Real estate, lending, tax, and benefits rules change frequently and depend on individual circumstances; verify current figures with official sources (DoD BAH calculator, VA, IRS, your county property appraiser) and consult a licensed attorney, CPA, or NMLS-licensed loan officer for guidance specific to your situation. Gregg Costin is not a mortgage lender, attorney, tax professional, or financial advisor, and is not affiliated with, endorsed by, or representing the U.S. Department of Defense, Department of Veterans Affairs, or any branch of the U.S. military. Use of this site does not create an agency or fiduciary relationship; representation begins only upon a signed brokerage agreement. Equal Housing Opportunity.

Check the flood zone before your PCS purchase.

Use the live Flood Zone Map and Military Buyer Guide to search FEMA data by address, review VA flood-insurance questions, compare premiums and save your property checklist.

For Florida and Alabama home buying and selling, visit The Costin Team.

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Find what you need

Find base guides, communities, schools, BAH rates and homebuying answers.