Compensation · 2026
10% VA Disability Rating
A 10% VA disability rating pays $180.42/month ($2,165.04/year) in 2026, tax-free, to a veteran without dependents. The rate is set by 38 CFR § 3.4 and adjusted annually for COLA. At 10%, veterans unlock 8 federal benefits, including Service-Connected Status, VA Healthcare (Priority Group 5), VA Home Loan Eligibility.
Rates effective (opens in a new tab)2.8% COLAPriority Group 3
- 10% rating, monthly
- $180.42
- $2,165.04 a year, veteran alone
- 0%
- $0.00
- a month
- 20%
- $356.66
- +$176.24 a month
Note: Dependent allowances start at 30%. At 10%, your monthly rate is the same regardless of dependents.
Benefits
What benefits do I get at 10% VA disability?
8 benefits available at your rating level (cumulative from 0%)
STATUSSince 0%
Service-Connected Status
Official recognition of disability related to military service — required for all other VA benefits
HEALTHCARESince 0%
VA Healthcare (Priority Group 5)
Enrollment in VA healthcare system. Priority Group 5 — may require copays depending on income
HOUSINGSince 0%
VA Home Loan Eligibility
VA-backed mortgage with no down payment, no PMI. Funding fee still applies at 0%
COMPENSATIONNew at 10%
Monthly Compensation
Tax-free monthly disability compensation begins at 10%
HOUSINGNew at 10%
VA Home Loan Funding Fee Waiver
Funding fee completely waived on VA home loans — saves $4,000-$12,000+ on a typical mortgage
HEALTHCARENew at 10%
VA Healthcare (Priority Group 3)
Upgraded to Priority Group 3 — no copays for SC conditions, reduced copays for non-SC care
EMPLOYMENTNew at 10%
VR&E Chapter 31
Vocational Rehabilitation & Employment — job training, education, resume help. Requires employment handicap assessment
TAXNew at 10%
State Property Tax Benefits
Many states begin property tax exemptions at 10% — varies significantly by state
Next at 20%
At 20% you unlock VR&E Serious Employment Handicap. That's +$176.24/mo more in compensation.
Unemployability
Can I qualify for TDIU at a 10% rating?
Not yet eligible
TDIU requires a single condition at 60%+ or combined 70%+ with one at 40%+.
Combined ratings
How do combined VA disability ratings work?
The VA uses the "whole person theory": each rating applies to the remaining healthy percentage, not the total. The result is always less than the arithmetic sum, then rounded to the nearest 10% under 38 CFR § 4.25.
“Disabilities will be evaluated on a combined rating from 0 to 100 percent, as provided in the rating schedule, by using the combined ratings table and rounding to the nearest 10 percent.”
- 1Single condition rated at 10%
- 2Multiple 0% conditions do not combine to 10%
Conditions
What conditions are commonly rated at 10%?
20 conditions have a 10% rating tier in the VA Schedule for Rating Disabilities (VASRD)
DC 7828
Acne
Deep acne (deep inflamed nodules and pus-filled cysts) affecting less than 40 percent of the face and neck, or deep acne other than on the face and neck
DC 7723
Acquired hemolytic anemia
Requiring one course of immunosuppressive therapy per 12-month period
DC 7702
Agranulocytosis, acquired
Requiring continuous medication (e.g., antibiotics) for control; or requiring intermittent use of a myeloid growth factor to maintain ANC greater than or equal to 1500/µl
DC 6522
Allergic or vasomotor rhinitis
Without polyps, but with greater than 50-percent obstruction of nasal passage on both sides or complete obstruction on one side
DC 7831
Alopecia areata
With loss of all body hair
DC 7700
Anemia, Iron Deficiency (Hypochromic-Microcytic)
Iron deficiency anemia: Hemoglobin 9–10 g/dL; symptomatic (fatigue, weakness, exertional dyspnea); requiring regular treatment; no transfusion dependency.
DC 7118
Angioneurotic edema
Attacks without laryngeal involvement lasting one to seven days and occurring two to four times a year
DC 6012
Angle-closure glaucoma
Evaluate under the General Rating Formula for Diseases of the Eye. Minimum evaluation if continuous medication is required
DC 5271
Ankle, limited motion of
Moderate (less than 15 degrees dorsiflexion or less than 30 degrees plantar flexion).
DC 5240
Ankylosing spondylitis
Forward flexion of the thoracolumbar spine greater than 60 degrees but not greater than 85 degrees; or, forward flexion of the cervical spine greater than 30 degrees but not greater than 40 degrees; o...
DC 7335
Ano, fistula in, including anorectal fistula and anorectal abscess
One fistula with drainage and pain, but without abscess
DC 9520
Anorexia nervosa
Occupational and social impairment due to mild or transient symptoms which decrease work efficiency and ability to perform occupational tasks only during periods of significant stress, or symptoms con...
DC 7005
Arteriosclerotic Heart Disease (Coronary Artery Disease)
Workload of greater than 7 METs results in dyspnea, fatigue, angina, dizziness, or syncope; or; continuous medication required.
DC 5010
Arthritis due to Trauma (Traumatic Arthritis)
Traumatic arthritis with X-ray evidence of arthritis: with occasional painful episodes and no more than slight limitation of motion; or established by X-ray findings, with at least one-half inch or mo...
DC 6833
Asbestosis.
FVC of 75- to 80-percent predicted, or; DLCO (SB) of 66- to 80-percent predicted
DC 6838
Aspergillosis
FVC of 75- to 80-percent predicted, or; DLCO (SB) of 66- to 80-percent predicted
DC 6602
Asthma, bronchial
FEV-1 of 71- to 80-percent predicted, or; FEV-1/FVC of 71 to 80 percent, or; intermittent inhalational or oral bronchodilator therapy
DC 6313
Avitaminosis
Confirmed diagnosis with nonspecific symptoms such as: decreased appetite, weight loss, abdominal discomfort, weakness, inability to concentrate and irritability
DC 6523
Bacterial rhinitis
With permanent hypertrophy of turbinates and with greater than 50-percent obstruction of nasal passage on both sides or complete obstruction on one side
DC 7207
Barrett's esophagus
Documented by pathologic diagnosis with low-grade dysplasia
Quick facts
- Monthly rate
- $180.42
- Annual
- $2,165.04
- With family
- Same rate
- TDIU eligible?
- Not yet
- COLA increase
- 2.8%
- Benefits unlocked
- 8
Veteran alone, no dependents
Tax-free under 26 U.S.C. § 104
Dependent allowances begin at 30%
Need single 60% or combined 70%+
2026 adjustment
Cumulative federal benefits
Questions
Frequently Asked Questions
How much does a 10% VA disability rating pay per month in 2026?
A 10% VA disability rating pays $180.42/month ($2,165.04/year) for a veteran without dependents in 2026. This amount is tax-free under 26 U.S.C. § 104.
Is VA disability compensation taxable?
No. VA disability compensation is fully tax-free under 26 U.S.C. § 104(a)(4). It is excluded from gross income and does not need to be reported on federal or state tax returns. Military retirement pay is separate and may be taxable.
What benefits do I get at 10%?
At 10%, you are eligible for 8 cumulative federal benefits, including Service-Connected Status, VA Healthcare (Priority Group 5), VA Home Loan Eligibility. Benefits unlock cumulatively — every benefit available at lower ratings also applies at 10%.
Can I qualify for TDIU at 10%?
TDIU requires a single condition at 60%+ or combined 70%+ with one at 40%+.
What is the difference between a 10% and a 20% VA disability rating?
A 20% rating pays $356.66/month — $176.24/month more than the 10% rate. That difference compounds to $2,114.88/year. At 20%, you also unlock VR&E Serious Employment Handicap.
How do combined VA disability ratings work?
The VA does not add ratings together. Instead, it applies the "whole person" theory: each successive disability is calculated against the remaining healthy percentage. For example, 50% leaves 50% whole; a second 30% rating is 30% of 50% (15%), producing a combined 65%, which rounds to 70% under 38 CFR § 4.25. This means the combined rating is always less than the arithmetic sum.
When does COLA increase VA disability rates?
VA disability rates are adjusted annually based on the Social Security Administration's Cost-of-Living Adjustment (COLA). The 2026 rates reflect a 2.8% COLA increase, effective 2025-12-01. COLA changes are applied automatically — no action is needed.
Sources & Authorities
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VeteranHQ
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