A PCS move doesn’t have to be overwhelming. By starting early, making informed real estate decisions, and tackling tasks in the right order, you’ll set yourself up for a smooth transition. As a military family, you know that moving isn’t just about packing boxes—it’s about making the best financial and logistical decisions for your home and future. Whether you’re selling, renting, or deciding where to live next, getting ahead of the curve is key. Here’s your step-by-step guide to preparing early for a smooth PCS transition.
Step 1: Get Your Financial House in Order
Before making any real estate decisions, assess your finances. Start by:
- Checking your credit score (important if you’ll be buying a home)
- Reviewing your mortgage balance if you own a home
- Researching the Basic Allowance for Housing (BAH) at your next duty station
- Setting a PCS budget, including moving costs and potential deposits
A clear financial picture will help you make informed choices about selling, renting, or buying.
Step 2: Decide Whether to Sell or Rent Your Current Home
If you own a home, you’ll need to decide whether to sell or rent it out. Consider:
- Market Conditions: Is it a seller’s market? Will you make a profit if you sell now?
- Equity & Future Plans: Do you have enough equity to sell comfortably? Will you return to the area later?
- Rental Viability: Can you cover your mortgage with rental income? Do you want to manage a rental property from afar?
If selling makes sense, connect with a real estate agent early to discuss pricing, timing, and potential home improvements. If renting is the better option, research property managers and local rental demand.
Step 3: Research Housing Options at Your Next Duty Station
Every PCS comes with a big decision—should you buy or rent at your next location? Start by:
- Checking BAH rates and local housing prices
- Researching neighborhoods, commute times, and school ratings
- Contacting a military-friendly real estate agent for market insights
If you plan to buy, get pre-approved for a mortgage so you’re ready to move quickly. If renting, start identifying properties and landlords who work with military families.
Step 4: Start Decluttering and Prepping Your Home
Whether you’re selling or just packing, now is the time to:
- Declutter and donate items you don’t need
- Deep clean and tackle minor repairs
- Organize important documents, including home records and military orders
If you’re listing your home for sale, consider small updates that boost appeal, such as fresh paint or improved curb appeal.
Step 5: Lock in Key Services Early
Waiting too long to book movers or a property manager can leave you scrambling. Get ahead by:
- Scheduling military or private movers as soon as orders are official
- Contacting a property manager if you plan to rent your home
- Setting up temporary housing if needed at your next duty station
Step 6: Stay Flexible and Communicate
PCS moves rarely go exactly as planned. Stay in close contact with your real estate agent, movers, and anyone else involved in your transition. Have a backup plan in case of delays, and remain flexible when finalizing your move-in and move-out dates.
