Your Final Move: Choosing Where to Live After Service

For many veterans, the move after leaving the military is the first time they get to choose where to live. That freedom is exciting, and it deserves careful thought.

Understand your final move entitlement

In general, separating members are moved to their home of record or place of entry, while retirees can choose a home anywhere in the U.S. There are deadlines for using the final move and some members qualify for temporary storage. Confirm the details with your transportation office during the Transition Assistance Program (TAP), before you sign a lease or buy a home.

Start TAP early

TAP is required and works best if you begin a year or more before separation, or two years before retirement. It covers VA benefits, employment, education and financial planning. DoD SkillBridge can let you spend up to your last 180 days in civilian training or an internship, ideally in the city where you want to settle.

Factors to weigh

• Jobs. Where is demand for your skills and clearance? Defense contractors cluster near major installations.
• Cost of living and taxes. Several states do not tax military retirement pay, and some have no income tax at all.
• State veteran benefits. Many states offer property tax exemptions for disabled veterans, which can be large, as well as tuition benefits, license perks and hiring preferences. Rules vary widely, so check each state's department of veterans affairs.
• Health care. Look at the distance to a VA medical center and, for retirees, TRICARE options in the area.
• Family. Proximity to aging parents, grandchildren and support networks.
• Lifestyle. Climate, schools, outdoor recreation and community.

Use your benefits

• VA home loan. No down payment for most eligible buyers, and the funding fee is waived for veterans receiving disability compensation.
• GI Bill. If you want to transfer benefits to a spouse or child, you must request the transfer while still serving.
• Veteran Readiness and Employment. If you have a service-connected disability, this program can fund training and job placement.
• MilTax and Military OneSource remain available to veterans for a year after separation.

After you arrive

• Update your address with the VA and enroll at the local VA medical center.
• Apply for state veteran benefits, including property tax exemptions, which usually require a separate application with the county.
• Connect with local veteran service organizations and a veteran service officer for help with claims.

Give yourself time

The transition is a big adjustment. Consider renting for the first year if you are not sure about the city. Veterans Crisis Line support is available 24/7 by dialing 988 and pressing 1.