BAH Calculator 2026: Basic Allowance for Housing by Location
BAH Calculator 2026: Basic Allowance for Housing by Location TL;DR: 2026 BAH rates increased an average of 4.2% nationwide, effective January 1. Use the calculator
Naval Base Guide
TL;DR: Naval Air Station Jacksonville is the Navy’s largest installation in the Southeast and one of the most livable duty stations on the East Coast. This guide covers 2026 BAH rates, housing neighborhoods, schools, medical contacts, and everything else you need for your PCS to NAS Jax.
When your orders say NAS Jacksonville, you’re heading to one of the Navy’s most storied installations. Known locally as NAS Jax, the base sits along the west bank of the St. Johns River in northeast Florida. It covers about 3,400 acres and supports nearly 20,000 active-duty, civilian, and contractor personnel. Notably, the economic impact on the Jacksonville area exceeds $2 billion annually.
Additionally, NAS Jacksonville is the largest Navy base in the Southeast and the third-largest in the nation. However, size alone doesn’t tell the story. This base has a genuinely family-friendly reputation and a strong support network. Whether you’re a first-time PCS or a seasoned mover, this guide will help you hit the ground running.
First, connect with the Jacksonville PCS Pay-It-Forward® group — military families already stationed here share real, current intel on neighborhoods and schools. Then start your personalized PCS Plan© so you have a clear roadmap before your report date.
| Detail | Info |
|---|---|
| Official Name | Naval Air Station Jacksonville |
| Address | 6801 Roosevelt Blvd, Jacksonville, FL 32212 |
| Main Line | (904) 542-2338 |
| Established | October 15, 1940 |
| Size | ~3,400 acres |
| Personnel | ~20,000 active duty, civilian & contractors |
| Branch | U.S. Navy (multi-branch tenants) |
| Primary Mission | Naval aviation operations & maritime patrol |
| Nearest City | Jacksonville, FL |
| Airport | Jacksonville International Airport (~25 miles) |
Your Basic Allowance for Housing is calculated using the JACKSONVILLE, FL Military Housing Area. The following rates are effective January 1, 2026. For a full breakdown of how BAH works or to estimate your housing budget, visit our 2026 BAH rates guide.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 | $2,046 | $1,623 |
| E-2 | $2,046 | $1,623 |
| E-3 | $2,046 | $1,623 |
| E-4 | $2,046 | $1,623 |
| E-5 | $2,181 | $1,803 |
| E-6 | $2,241 | $1,920 |
| E-7 | $2,283 | $2,049 |
| E-8 | $2,331 | $2,199 |
| E-9 | $2,424 | $2,205 |
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| W-1 | $2,256 | $2,010 |
| W-2 | $2,301 | $2,196 |
| W-3 | $2,367 | $2,208 |
| W-4 | $2,445 | $2,241 |
| W-5 | $2,550 | $2,292 |
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| O-1 | $2,196 | $1,908 |
| O-1E | $2,289 | $2,178 |
| O-2 | $2,238 | $2,139 |
| O-2E | $2,355 | $2,202 |
| O-3 | $2,364 | $2,211 |
| O-3E | $2,463 | $2,229 |
| O-4 | $2,580 | $2,277 |
| O-5 | $2,736 | $2,301 |
| O-6 | $2,757 | $2,343 |
| O-7 | $2,775 | $2,382 |
Notably, Jacksonville BAH rates are considered moderate for a major East Coast Navy installation. Most E-5 and above families will find their allowance covers a comfortable 3-bedroom home or apartment in popular military neighborhoods. For context, check the 2026 military pay charts to see how BAH fits into your total compensation picture.
Thinking about buying instead of renting? A VA Home Loan can stretch your housing budget significantly. Jacksonville’s prices are still more accessible than other East Coast Navy cities. Our team can connect you with a military-savvy lender who knows NAS Jax inside and out.
Housing is typically your first big decision after receiving orders. Fortunately, NAS Jax offers solid options both on and off base. On-base family housing is managed by Balfour Beatty Communities. There is often a waitlist, so contact them early — ideally as soon as your orders are finalized.
Heritage Cove is the primary neighborhood for junior enlisted families. It features duplexes and single-family homes, playgrounds, basketball courts, and walking paths. Additionally, it’s within easy walking distance of the Youth Center and base schools.
Magnolia Point offers townhomes and duplexes for enlisted families. Moreover, it includes a community center, playground, and dog park. The proximity to the commissary and Navy Exchange makes everyday errands easy.
River Oaks is the senior enlisted and officer neighborhood. Homes here are spacious single-family with attached garages and large yards. Furthermore, residents enjoy direct proximity to the St. Johns River recreation area — a genuine quality-of-life perk.
To check availability and apply for on-base housing, contact Balfour Beatty directly at nasjacksonvillehomes.com. Alternatively, call the Housing Service Center through the base operator at (904) 542-2338.
Most families at NAS Jax live off base. The good news: Jacksonville is the largest city by land area in the continental U.S., so there’s genuinely something for everyone. However, that size also means your commute experience depends heavily on which neighborhood you choose.
Orange Park is the most popular choice for military families. It sits about 15–25 minutes from the main gate, with strong schools, great parks, and a tight-knit community feel. Rent for a 3-bedroom home typically runs $1,700–$2,400 per month. The town hosts family-friendly events like the fall festival and Hometown Holiday in the Park.
Argyle Forest offers newer homes at some of the most affordable rents near base — typically $1,600–$2,200 per month for a 3-bedroom. Commutes are short at 15–20 minutes. In addition, the Oakleaf Town Center puts shopping and dining close to home. Traffic can be heavy during peak hours, so factor that in.
Mandarin is a quiet, tree-lined community about 20–30 minutes from base. Expect rents of $1,800–$2,500 per month for a 3-bedroom home. Notably, Mandarin offers excellent schools and waterfront parks along the St. Johns River. Families who value a suburban feel without the hustle consistently rate it highly.
Riverside and Avondale appeal to families who want walkability, character, and city energy. Historic homes, trendy restaurants, and local shops define the vibe. Rents run higher — typically $1,900–$2,800 per month — but the lifestyle is distinct. Commutes average 20–30 minutes to base.
Fleming Island and the northern part of Clay and St. Johns County offer top-rated schools and newer suburban developments. In contrast to Duval County, this area’s schools consistently rank among the best in Florida. However, the cost of living is higher and commutes can reach 30–40 minutes. Families prioritizing school quality often consider this trade-off worthwhile.
Want a personalized neighborhood recommendation based on your family size, school needs, and commute preferences? Start your PCS Plan© and one of our military-connected Ambassadors will walk you through the options specific to your situation.
There are no DoDEA schools on or near NAS Jacksonville. Instead, military families rely on the local public school system and a strong charter and private school landscape.
Duval County Public Schools (DCPS) serves most families living in the Jacksonville and Orange Park area. The district offers diverse academic programs, including gifted, International Baccalaureate (IB), and STEM magnet options. Notably, Florida does not use Common Core standards, so be aware of potential curriculum differences when transferring from other states.
Specific schools popular with military families near NAS Jax include:
For enrollment guidance, special education support, or help navigating a mid-year school transfer, contact the NAS Jacksonville School Liaison Officer (SLO) through the Fleet and Family Support Center at (904) 542-2338.
If you’re weighing a commute to Fleming Island or northern Clay County, the payoff is access to one of Florida’s top-ranked school districts. These counties outperform state averages in math, reading, and graduation rates. Furthermore, schools across both districts are accustomed to military families and transitions.
NAS Jacksonville operates a Child Development Center (CDC) for infants through age 5, with NAEYC accreditation confirming high-quality early learning standards. Additionally, the School Age Care (SAC) program provides before and after school care for K–12 students, and the Youth Activities Center keeps teens engaged with sports, clubs, and summer programs. Demand for CDC spots is high — get on the waitlist as soon as your orders are confirmed. Contact MWR at navymwrjacksonville.com for current availability.
Naval Hospital Jacksonville is your primary military treatment facility. It is one of the Navy’s busiest hospitals and operates one of the largest family practice training programs in the Navy. Comprehensive services include inpatient care, surgery, specialty clinics, labor and delivery, and pediatrics.
| Contact | Info |
|---|---|
| Address | 2080 Child St., Jacksonville, FL 32214 |
| Main Line | (904) 542-7300 / (904) 542-3500 |
| TRICARE Appointments | (904) 542-4677 |
| Hours | Monday–Friday, 8 a.m.–5 p.m. (24/7 emergency care) |
| Website | jacksonville.tricare.mil |
| MHS GENESIS Portal | Enroll at MHS GENESIS Patient Portal online |
| 24/7 Nurse Advice Line | 800-TRICARE (874-2273), option 1 |
Additionally, Naval Branch Health Clinic Jacksonville provides dedicated active-duty care under the Medical Home Port model. The Silver Team focuses on preventive, routine, and same-day urgent care — keeping active-duty members out of the ER for non-emergency needs. For questions about benefits, contact the Health Benefits Advisor at (904) 542-4677 or email the benefits advisor team.
Once you receive orders, request a sponsor from your gaining command immediately. A sponsor can answer real-time questions and help you navigate the neighborhood search. Moreover, they can make your first week on base dramatically easier. For household goods coordination, contact the Personal Property Office at (904) 542-1000.
They manage scheduling, storage options, and delivery timelines for both HHG shipments and PPM (DITY) moves.
You’ll manage your move through the Defense Personal Property System (DPS). Upload your documents early and confirm your pack-out dates as soon as possible. Specifically, peak PCS season (May–August) fills quickly. For more on managing your move, see our DITY/PPM move guide and military moving tips.
TLE covers up to 10 days of authorized lodging for CONUS moves. Book your on-base lodging early — rooms fill fast during peak season.
| Option | Phone | Notes |
|---|---|---|
| Navy Lodge Jacksonville | (904) 772-6000 | Kitchenettes, daily breakfast, limited pet rooms |
| Navy Gateway Inns & Suites (NGIS) | (904) 542-3138 | Kitchenettes in select rooms, self-serve laundry |
Pet-friendly rooms at both facilities are very limited. If you’re traveling with pets, call as soon as orders are in hand and confirm availability before booking. For more guidance on what to expect during your move, download the free PCS binder and checklist — it walks you through every step from pack-out to in-processing.
NAS Jacksonville is well-equipped with on-base services that support daily life for active-duty families. Key facilities include:
For a full MWR event calendar and facility hours, visit navymwrjacksonville.com.
NAS Jacksonville has an active passenger terminal offering Space-A flights. Common destinations include NAS Norfolk, Joint Base Charleston, and NAS Key West. For terminal info, contact the Space-A desk at (904) 542-8159 or email spaceajaxs@us.navy.mil.
Jacksonville has a reputation that takes people by surprise. Most families arrive expecting a typical Southern city — and instead find a genuinely diverse, outdoorsy, and family-friendly metro with a very affordable cost of living.
Jacksonville Beach, Atlantic Beach, and Neptune Beach are all 30–40 minutes from base. Moreover, the beaches here are far less crowded than Miami or Tampa, making them genuinely livable, not just vacation destinations.
The St. Johns River is a lifestyle feature, not just scenery. Families enjoy boating, kayaking, fishing, and waterfront dining along the river. Additionally, Hanna Park offers mountain biking, surfing, and camping within 20 minutes of base.
Jacksonville’s location makes weekend adventures easy. For example, St. Augustine — the oldest city in the U.S. — is less than an hour south. Similarly, Orlando and Walt Disney World are about two hours away. Savannah, Georgia is a 2-hour drive north.
Florida is one of the most military-friendly states in the country. Key benefits include:
Notably, the no-income-tax benefit alone adds real purchasing power compared to duty stations in states like Virginia or North Carolina. If you’re weighing whether to buy or rent, our VA Home Loan guide breaks down exactly how to use your benefit in a state this favorable.
Have questions about PCS tax write-offs during your move? The PCS tax write-offs guide outlines what you can deduct. For a full suite of PCS resources in one place, visit the PCS Toolkit.
Ready to connect with families already living this? Join the Jacksonville PCS Pay-It-Forward® group — they’ll tell you exactly which neighborhoods are the real deal and which ones to skip.
BAH rates for NAS Jacksonville fall under the JACKSONVILLE, FL Military Housing Area. In 2026, an E-5 with dependents receives $2,181 per month. Similarly, an O-3 with dependents receives $2,364 per month. Overall, rates range from $2,046 (E-1 to E-4 with dependents) up to $2,775 (O-7 with dependents), effective January 1, 2026.
Yes — on-base family housing is available and managed by Balfour Beatty Communities. However, there is typically a waitlist, especially for junior enlisted families. Therefore, contact Balfour Beatty at nasjacksonvillehomes.com as soon as your orders are finalized. The three main neighborhoods are Heritage Cove (junior enlisted), Magnolia Point (enlisted families), and River Oaks (senior enlisted and officers).
Orange Park is the most popular off-base choice due to its commute time, strong schools, and family-friendly atmosphere. Additionally, Argyle Forest is a close second for affordability. Mandarin suits families who want quieter streets and good schools. Specifically, families with school-age children sometimes choose the Fleming Island area for access to top-rated county schools.
NAS Jacksonville is primarily served by Duval County Public Schools, which includes IB, STEM, and gifted programs. Notably, Ortega Elementary and Venetia Elementary are popular choices near base. Families living further south in Clay or St. Johns County have access to highly rated districts as well. For enrollment help, contact the base School Liaison Officer through Fleet and Family Support.
Naval Hospital Jacksonville is located at 2080 Child Street, Jacksonville, FL 32214, on the NAS Jacksonville installation. The main line is (904) 542-7300 and (904) 542-3500. For TRICARE appointments specifically, call (904) 542-4677. The hospital operates 24/7 emergency services, with regular clinic hours Monday through Friday, 8 a.m. to 5 p.m.
Contact the Personal Property Office at (904) 542-1000 as soon as your orders are confirmed. Additionally, you’ll manage your move through the Defense Personal Property System (DPS) at move.mil. TLE covers up to 10 days of authorized lodging for CONUS moves. On-base lodging options include the Navy Lodge at (904) 772-6000 and NGIS at (904) 542-3138.
Yes. NAS Jacksonville has an active passenger terminal with Space-A travel opportunities. For example, common destinations include NAS Norfolk, Joint Base Charleston, and NAS Key West. Contact the terminal at (904) 542-8159 or email spaceajaxs@us.navy.mil for current flight schedules and eligibility info.
NAS Jacksonville serves as the Navy’s premier East Coast hub for maritime patrol and reconnaissance aviation. Specifically, it hosts Commander, Patrol and Reconnaissance Wing Eleven (CPRW-11), which oversees P-8A Poseidon squadrons. Additionally, the base houses Fleet Readiness Center Southeast, Naval Hospital Jacksonville, and over 90 tenant commands.
Most families rate NAS Jacksonville as a genuinely livable duty station. Strong points include Florida’s no-income-tax benefit and an affordable cost of living. Moreover, beach access is within 30–40 minutes, and the military community here is supportive and well-established. The biggest adjustment is Jacksonville’s size — consequently, choosing the right neighborhood matters a lot for your daily commute.
The VA Home Loan is one of the most powerful benefits available to military buyers. Furthermore, Jacksonville’s market remains more accessible than other major Navy cities, making your benefit go further here. You can purchase with no down payment, no private mortgage insurance, and competitive interest rates. Visit our VA Home Loan guide to get started.
Your next step: start your personalized PCS Plan© and get matched with an Ambassador who’s done this PCS — or is doing it right now alongside you. You can also browse every base in our network at Find Your Base.
Join the Jacksonville PCS Pay-It-Forward® community — your future neighbors are already there and ready to help.
BAH Calculator 2026: Basic Allowance for Housing by Location TL;DR: 2026 BAH rates increased an average of 4.2% nationwide, effective January 1. Use the calculator
Start Your Free Pay it Forward PCS Plan™— Personalized Support for Your Next Military Move Your Next PCS Shouldn’t Be a Guessing Game Orders drop
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