The VA disability compensation you’ve earned isn’t just a check in the mail—it’s recognition of your sacrifice and a powerful tool to reshape your life after service.
In 2025, 100% disabled veterans receive more than financial support. You gain stability, leverage for homeownership, and access to benefits that can unlock a future of freedom and choice. But the key isn’t just knowing what you get—it’s understanding how to maximize every dollar to support your health, your home, and your family’s future.
This guide breaks down the VA Disability Pay Scale for 2025, what you can expect each month, and how to strategically use your benefits—especially if you’re thinking about buying a home with a VA loan, investing in real estate, or simply stretching your budget further.
Key Takeaways:
- 100% disabled veterans receive up to $4,433.39/month tax-free in 2025.
- VA disability income can qualify you for a VA loan with $0 down and no PMI.
- Veterans rated 10% or higher are exempt from the VA funding fee.
2025 VA Disability Pay Scale: Monthly Rates
VA disability compensation is tax-free income paid to veterans with service-connected conditions. Your payment is based on your disability rating (from 10% to 100%) and your dependent status.
| VA Disability Rating | Monthly Pay (No Dependents) | Monthly Pay (Spouse + Child) |
|---|
| 10% | $171.23 | N/A |
| 30% | $524.31 | $610.31 |
| 50% | $1,075.16 | $1,263.16 |
| 70% | $1,716.28 | $2,002.28 |
| 90% | $2,172.39 | $2,608.39 |
| 100% | $3,737.85 | $4,433.39 |
Note: These rates are adjusted annually based on the Cost-of-Living Adjustment (COLA). Always refer to VA.gov for the most current figures.
What Impacts Your VA Compensation?
1. Disability Rating (10%-100%)
This rating is based on the severity of your service-connected conditions. If you have multiple conditions, VA uses a combined rating table, which is not a simple addition.
2. Dependents
You may qualify for additional compensation if you have:
- A spouse
- Children under 18
- Children 18-23 in school
- Parents who are financially dependent on you
3. TDIU (Total Disability Individual Unemployability)
If your conditions prevent you from working, you may qualify for 100% compensation, even if your official rating is below 100%.
4. COLA Adjustments
Each year, Congress adjusts the benefit amount to keep pace with inflation.
Common Questions From Veterans
Is VA disability income taxed?
No. VA disability compensation is 100% tax-free.
Can I receive housing assistance if I’m partially disabled?
Yes. Veterans rated 10% and above may qualify for additional benefits such as:
- Specially Adapted Housing (SAH) or Special Home Adaptation (SHA) grants
- Waived VA Loan Funding Fee for disabilities rated 10%+
I’m rated at 90%. Can I appeal for 100%?
Absolutely. Many veterans qualify for 100% compensation through TDIU if they cannot maintain gainful employment due to service-connected conditions.
Using VA Disability Benefits to Buy a Home
Your VA disability compensation doesn’t just cover bills—it can help you become a homeowner.
Benefits of a VA Home Loan:
- $0 down payment required
- No PMI (Private Mortgage Insurance)
- Flexible credit requirements
- Lower average interest rates
- Funding fee waived for veterans with 10%+ disability rating
Looking for a VA-focused lender who understands your benefits?
Check out Be My Neighbour – NMLS #1743790. We specialize in helping disabled veterans get approved fast, with tailored guidance from VA loan experts.
Commission-Free Home Buying with reAlpha
If you're buying a home, don't waste thousands on real estate agent commissions. reAlpha offers a modern, commission-free way to purchase a home—perfect for veterans who want more buying power and less stress.
Why reAlpha?
- 100% commission-free buyer representation
- Personalized support from licensed agents
- Streamlined digital home search experience
- Veteran-friendly guidance at every step.
Who's Really Got Your Back?
| Feature | Header 2 | Header 3 | Header 4 | Header 5 |
|---|
| Understands VA Disability | ✅ | ⚠️ | ✅ | ✅ |
| Specializes in VA Loans | ✅ | ❌ | ✅ | ✅ |
Commission-Free Home Buying | ❌ | ❌ | ✅ | - |
| Veteran-Focused Support | ✅ | ❌ | ✅ | ✅ |
Your Disability Pay Is the Engine. Let’s Give It Wheels.
Here’s what your future could look like:
- A home purchased with zero down
- No agent commission eating into your equity
- Relief from rent and rising costs
- Peace of mind knowing you used your benefits to the fullest
Your disability check is earned income. Let’s put it to work for you—starting with a home of your own.
FAQ: VA Disability & Housing in 2025
What are the 2025 pay rates for 80%, 90%, and 100% disabled veterans?
- 80%: ~$1,995/month
- 90%: ~$2,172.39/month
- 100%: $3,737.85 (single) to $4,433.39 (with dependents)
Can I use my VA disability to qualify for a home loan?
Yes. VA lenders can count your tax-free disability income toward your qualification.
Can I still work while receiving disability?
Yes, unless you're rated under TDIU status, which may have income limits.
Is there a funding fee if I have a disability?
No. Veterans with a 10% or higher disability rating are exempt from the VA funding fee.
You’re Not Broken—You’re Ready
Your service gave others freedom. Now it’s your turn to claim the stability and security you've earned.
- → Ready to buy your first home? Connect with Be My Neighbour (NMLS #1743790).
- → Want to avoid paying real estate agent commissions? Visit reAlpha to start your home search.
Thank you for your service. Let’s make every dollar you earn work just as hard as you did.
Disclosure: Be My Neighbour and reAlpha are affiliated entities offering VA-focused and commission-free services for veterans. No compensation is exchanged for referrals between these entities. All services are offered in compliance with RESPA and other applicable federal regulations.
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