The Armed Forces Retirement Home: A place to call home

By MyArmyBenefits Staff     August 2026

As Retired Soldiers plan for the future and consider their long-term care and housing options, they may come across a unique benefit available through the federal government—the Armed Forces Retirement Home (AFRH). While many veterans have heard of the AFRH, they may not fully understand who is eligible to live there, what services are offered, or how affordable the program can be.

The federal government’s commitment to caring for retired and disabled military members dates back more than two centuries.

In 1811, the executive branch made a promise to provide support for those who served the nation. Today, that promise continues through two campuses found in Washington, D.C., and Gulfport, Mississippi. Residents enjoy a wide range of services and amenities, including three daily meals, recreational programs, organized trips, entertainment, wellness activities, on-site medical care, and a supportive, caring community.

One fact that often surprises service members and their families is that not every veteran or retiree is eligible to become an AFRH resident. Admission is generally limited to individuals who spent more than half of their military career serving as an enlisted member, warrant officer, or limited-duty officer (for Navy and Marine Corps personnel). In other words, those who served most of their careers as commissioned officers are not eligible for residency. In addition to this primary requirement, applicants must also meet at least one of five eligibility criteria established by the AFRH on their FAQ page: https://www.afrh.gov/apply/faqs.

Spouses may also be eligible to live at the AFRH alongside a qualified veteran. Eligible service members and their spouses can apply for residency as a couple, provided the spouse meets separate eligibility requirements. While veterans are not subject to a minimum monthly charge, spouses must pay a minimum fee that varies based on the level of care needed. Spouses must also share an apartment with their veteran sponsor for as long as both individuals are able to live independently.

Another common misconception is that the AFRH functions solely as an assisted living facility. Applicants must be capable of living independently when they are admitted and must be approved by both medical and admissions review boards. However, as residents age and their needs change, the AFRH offers four added levels of care, allowing them to remain within the community while receiving increased support.

The AFRH is also known for its affordability. Monthly fees are based on a resident’s annual gross income, making the cost significantly lower than many comparable retirement communities. Regardless of the amount paid, residents receive access to the same core services and amenities.

For Retired Soldiers exploring their future housing and care options, the AFRH may be worth considering. To learn more, visit the MyArmyBenefits Benefit Library, https://myarmybenefits.us.army.mil/Benefit-Library/Federal-Benefits. The AFRH just might become your next “home sweet home.”