When your orders drop, the clock starts. Most families get three to six months to sort out housing in a place they’ve often never set foot in — while juggling a full-time mission and a household move. It’s a lot. And here’s the part that costs people the most money: in 2025, a national survey found only about half of service members knew a VA loan requires no down payment (PRNewswire / Veterans United survey, 2025). This guide walks you through timing, financing, and where to buy — written by a fellow Army veteran who’s done this move.
Key Takeaways
– Fort Stewart–Hunter Army Airfield is home to the 3rd Infantry Division, with 10,200+ soldiers, families, and Army civilians living on post (U.S. Army, 2026).
– With full VA entitlement, eligible buyers purchase with $0 down — yet only ~50% of service members know this (Veterans United survey, 2025).
– Hinesville sits closest to the gates and stays one of Georgia’s most affordable markets; Richmond Hill and Pooler trade a longer commute for newer construction.
– You can start — and often finish — your home search remotely, before you ever arrive.
How much time do you actually have before your PCS?
Most families learn their next duty station three to six months out, which is just enough time to buy a home if you start early. Treat the day your orders are confirmed as day one. The biggest mistake I see is waiting until the household-goods shipment is booked to think about housing — by then, the best inventory near post is already moving.