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
PCS orders to NAS Patuxent River put you at the center of Navy aviation’s future — the home of NAVAIR headquarters, the Naval Test Pilot School, and some of the most mission-critical research and development work in the entire Department of Defense. It’s also one of the most genuinely beautiful duty stations on the East Coast, sitting on 6,400 acres at the mouth of the Patuxent River on the Chesapeake Bay. Start your PCS Plan now to lock in your housing, school, and budget strategy before your moving truck arrives — Southern Maryland’s rental market moves fast during PCS season.
Join the NAS Pax River PCS Pay-It-Forward® group to connect with families already on the ground. Questions about neighborhoods, school boundaries, commute times, and local contractor recommendations — they have the real answers.
NAS Patuxent River is not a fleet base — it is the Navy’s premier center for aviation research, development, test, and evaluation. The two defining commands here are Naval Air Systems Command (NAVAIR) and Naval Air Warfare Center Aircraft Division (NAWCAD). Together, they employ more than 10,000 military and civilian personnel whose mission is to develop, test, evaluate, and sustain every aircraft and airborne system flown by the Navy and Marine Corps. If it flies in naval aviation — fighters, helicopters, drones, weapons systems — it was touched by Pax River at some point in its development. NAVAIR is currently commanded by Vice Admiral John E. Dougherty IV. Additional major tenant commands include the U.S. Naval Test Pilot School (USNTPS), the Atlantic Test Range, and the Naval Air Warfare Center Weapons Division detachment. The base also supports more than 165,000 air operations annually, flying 140 different aircraft over 780 restricted square miles of test airspace.
NAS Patuxent River sits 65 miles southeast of Washington, D.C. and 75 miles south of Baltimore in St. Mary’s County, Maryland — the southernmost county on the Western Shore of the Chesapeake Bay. The installation covers more than 13,800 total acres, including the Bloodsworth Island Range and the Webster Field Annex approximately 15 miles south. The base was established in 1943 and has been home to NAVAIR and its predecessor commands ever since. The waterfront location along the Patuxent River and Chesapeake Bay is genuinely stunning — 12 miles of shoreline, views across the bay, and access to some of the finest recreational waterways in the Mid-Atlantic. If you are transferring from a landlocked duty station, the setting here will surprise you.
| Detail | Information |
|---|---|
| Address | NAS Patuxent River, MD 20670 |
| County | St. Mary’s County, Maryland |
| Distance to Washington, D.C. | ~65 miles (1 hour 15 min – 1 hour 45 min depending on traffic) |
| Distance to Baltimore | ~75 miles (~1 hour 45 min) |
| Distance to Annapolis | ~50 miles (~1 hour) |
| Nearest Major Airport | BWI (~75 miles), Dulles (~80 miles), Reagan National (~75 miles) — all 1+ hour without traffic |
| Fleet & Family Support Center | 21993 Bundy Road, Bldg 2090 — (301) 342-4911 |
| School Liaison Officer | (301) 995-4004 |
| Official Website | cnic.navy.mil/NAS-Patuxent-River |
NAS Patuxent River falls under the Patuxent River, MD Military Housing Area (MHA). The 2026 national average BAH increase was 4.2%, and Southern Maryland followed that trend. Patuxent River’s BAH ranks 34th highest among Navy bases — moderate for the East Coast, reflecting the area’s mid-range cost of living relative to Northern Virginia or the DC suburbs. Your BAH here will cover most of your housing cost at nearly every pay grade, and the buy-vs-rent math is often compelling given home prices in St. Mary’s County. Use the official DTMO BAH Calculator to confirm your exact rate. For the full national picture, see the 2026 BAH Rates Guide.
| Pay Grade | With Dependents (2026) | Pay Grade | With Dependents (2026) |
|---|---|---|---|
| E-1 through E-4 | $2,268 / mo | O-1 | $2,433 / mo |
| E-5 | $2,406 / mo | O-2 | $2,544 / mo |
| E-6 | $2,547 / mo | O-3 / O-3E | $2,769 / $2,910 per mo |
| E-7 | $2,625 / mo | O-4 | $3,075 / mo |
| E-8 | $2,712 / mo | O-5 | $3,300 / mo |
| E-9 | $2,856 / mo | O-6 | $3,327 / mo |
| W-1 | $2,562 / mo | O-7 | $3,348 / mo |
| W-3 | $2,772 / mo | O-1E / O-2E | $2,637 / $2,754 per mo |
Without-dependents rates are typically 15–20% lower. Always verify with the official DTMO calculator or call the Housing Service Center at (301) 342-3846.
Southern Maryland is one of the strongest markets for using your VA Home Loan. Median home prices in the Lexington Park and Leonardtown area run $275,000–$375,000 — well below Northern Virginia and DC suburbs — putting a three- or four-bedroom purchase within reach for most mid-grade service members and officers. Many Pax River families buy, rent the home during follow-on orders, and return to significant equity. Talk to a VA-specialized lender before you arrive.
On-base family housing at NAS Patuxent River is managed by Liberty Military Housing, offering 749 single-family homes across six distinct neighborhoods. Amenities community-wide include a fitness center and swimming pool. The Navy manages the waitlist and application process; Liberty manages leases and property operations. Contact the Navy Housing Service Center as soon as you receive orders:
| Housing Resource | Contact |
|---|---|
| Navy Housing Service Center | 21967 Cuddihy Rd, Bldg 2371 · (301) 342-3846 |
| Housing email | PatuxentRiver_Housing@navy.mil |
| Housing Service Center hours | Mon–Thu 0700–1600; Fri 0700–1500 |
| Liberty Military Housing | (240) 384-2435 · livelmh.com |
| CNIC Navy Housing (official) | cnic.navy.mil |
| Neighborhood | Who It Serves | Notes |
|---|---|---|
| Lovell Cove | Enlisted (E1–E9) | Newer construction; spacious 3–4 bedroom homes; popular choice for families |
| Carpenter Park | Enlisted (E1–E9) | Historical neighborhood; renovated 3–4 bedroom homes on base |
| Gold Coast | Senior officers (O3–O9) | Located in the heart of the base overlooking the Patuxent River; most sought-after neighborhood on the installation |
| Challenger Estates | All ranks (E1–O6, WO) | 10–15 min from main base; mix of officer single-family homes and enlisted duplexes; 3–4 bedrooms |
| Columbia Colony | Officers (O1–O6, WO) | Officer community with family-oriented layout |
| Glenn Forest | Enlisted (E1–E9) | Modern 3–4 bedroom townhomes with in-home appliances and fenced backyards |
E1–E3 and E4s with fewer than four years of service are eligible for unaccompanied housing in Building 2818, which holds approximately 240 personnel. Each room includes a full bathroom, two captain’s beds, desk, dresser, two closets, and a 50″ TV. Shared spaces include a full kitchen, living room, and washer/dryer. Cable, internet, and phone outlets are provided; services are the occupant’s responsibility. For PCS arrivals who are single E4 and below, report directly to Bachelor Quarters for initial billeting. E5 and above single members on PCS orders must be billeted at the Navy Gateway Inns & Suites or Navy Lodge until permanent billeting is arranged.
Three main communities anchor the off-base housing market for Pax River families — each with its own character, price point, and commute profile. The dominant road connecting them all is Three Notch Road (Route 235), the base’s primary access corridor. Traffic on Three Notch can back up significantly during morning rush hour and at school release times, so commute time research before you sign a lease is not optional.
Lexington Park sits about two miles from the main gate and is the most convenient off-base option for day-to-day commuting. It’s the closest thing to an urban center in St. Mary’s County, with the highest concentration of restaurants, shops, and services in the area. Housing here includes a wide mix of apartments, townhomes, and single-family homes at a range of price points. Three-bedroom home purchases start around $329,000 and one-bedroom apartments begin near $940/month. Neighborhood quality varies by street, so research specific blocks before committing. If short commute and walkable amenities matter most to your family, Lexington Park is the clear choice.
California, MD (the town, not the state) sits about seven miles from the main gate with a commute of roughly 15–20 minutes. It’s a slightly quieter, more residential feel than Lexington Park while still offering easy access to the Wildewood Shopping Center and services along Route 235. Home prices here are notably lower — three-bedroom purchases starting around $157,000 and one-bedroom apartments beginning around $1,030/month. The Wildewood community on the California/Lexington Park border is consistently ranked among the most popular neighborhoods for military families, offering newer construction and a strong community feel. California is the sweet spot for families who want lower housing costs and a quiet neighborhood without giving up proximity to the base.
Leonardtown is the county seat of St. Mary’s County and one of the genuinely charming small towns on the Western Shore of Maryland. It sits about two to three miles from the base and offers a small-town Main Street environment with local restaurants, a waterfront park on Breton Bay, and a community that feels distinctly different from the more military-heavy Lexington Park area. Three-bedroom homes start around $275,000 and one-bedroom apartments begin near $633/month. Leonardtown High School, consistently described as the strongest of the three county high schools, serves students in this zone. Families who want character, lower rental prices, and a tight-knit community gravitate here. The two-mile commute is one of the shortest off-base options available.
Hollywood and Great Mills offer additional off-base options with rural character and somewhat lower prices than Lexington Park. Great Mills High School — with its established STEM program directly partnered with NAS Pax River — serves families in Great Mills. Solomons Island, a waterfront community at the mouth of the Patuxent River on the Calvert County side, is beloved by families who want waterfront views and Chesapeake Bay access. The Solomons commute runs 20–35 minutes under normal conditions and can lengthen during bridge traffic on Route 4. Note that families who cross into Calvert County fall under Calvert County Public Schools rather than St. Mary’s County Public Schools — verify your county and school district before signing.
| Community | Commute to Base | Home Prices (est.) | Best For |
|---|---|---|---|
| Lexington Park | 5–15 min | From ~$329K purchase; ~$940/mo 1BR | Short commute, widest amenity access |
| California, MD | 15–20 min | From ~$157K purchase; ~$1,030/mo 1BR | Affordable, family neighborhoods, Wildewood area |
| Leonardtown | 10–20 min | From ~$275K purchase; ~$633/mo 1BR | Small-town charm, lowest rental prices, LHS zone |
| Great Mills / Hollywood | 15–25 min | Varies; generally affordable | Rural character, Great Mills STEM High School |
| Solomons Island | 20–35 min | Waterfront premium applies | Bay access, recreational lifestyle (Calvert Co. schools) |
Ready to think through buy vs. rent? Start with your PCS Plan, then talk to a VA Home Loan specialist before you arrive. The PCS Toolkit has additional budgeting and housing decision resources. For moving logistics, the military moving tips guide is worth a read before you schedule your HHG shipment.
Naval Health Clinic Patuxent River is a Joint Commission-certified Primary Care Medical Home providing comprehensive outpatient care to more than 90 tenant commands on the installation. The clinic offers primary care, dental care, mental health services, pharmacy, and TRICARE beneficiary counseling. NHCPR recently added a “Sick Call for All” acute care clinic aligned with the Defense Health Agency’s updated care model, available to all TRICARE Prime beneficiaries. The clinic does not offer walk-in emergency services — for true emergencies, call 911 or proceed directly to a local emergency room.
| Service | Phone / Contact | Hours |
|---|---|---|
| NHCPR Appointments | (301) 342-1506 | Mon–Fri 0730–1800; Sat 0800–1600 |
| After-Hours (doctor on call) | (301) 342-1506 (ask for doctor on call) | After clinic hours, nights, weekends |
| TRICARE Nurse Advice Line | (800) 874-2273, option 1 | 24/7 |
| NHCPR Website | paxriver.tricare.mil | — |
The clinic is closed Sundays and all Federal Holidays. For after-hours non-emergency care, call the clinic number and ask for the doctor on call. For urgent care or inpatient needs beyond NHCPR’s capabilities, the area’s civilian hospitals are MedStar St. Mary’s Hospital in Leonardtown (25500 Point Lookout Road, (301) 475-8981) and CalvertHealth Medical Center in Prince Frederick (approximately 30 miles north on Route 4). EFMP coordination is handled through NHCPR — contact them as soon as you receive orders if you have a family member with special needs to confirm specialty care availability in Southern Maryland.
There are no DoDEA schools on NAS Patuxent River. All children attend St. Mary’s County Public Schools (SMCPS), a district of 27 schools serving approximately 17,223 students. The district is genuinely strong — over 94% of students graduate ready for college or careers, and the system is large enough to offer broad academic programs while small enough to maintain a personal, community feel. SMCPS includes 19 elementary schools, five middle schools, and four high schools. The district superintendent’s office is at 23160 Moakley Street, Leonardtown, MD 20650, phone (301) 475-5511.
A critical note for incoming families: the district is currently in the process of phased high school redistricting beginning in the 2026–27 school year. The boundary changes affect Great Mills, Leonardtown, and Chopticon High Schools and could impact your school zone depending on when you arrive and where you live. Contact the NAS Pax River School Liaison Officer at (301) 995-4004 before finalizing your neighborhood decision — they can tell you your exact assigned school for any prospective address.
| School | Location | Notes |
|---|---|---|
| Leonardtown High School | Leonardtown, MD | Consistently rated #1 public high school in the county; strong AP and honors program; serves Leonardtown and surrounding areas |
| Great Mills High School | 21130 Great Mills Rd, Great Mills, MD 20634 | 1,804 students; established STEM program partnered with NAS Pax River; serves Lexington Park and Great Mills; redistricting will affect zones in 2026–27 |
| Chopticon High School | Morganza, MD | Serves more rural western and southern areas of St. Mary’s County |
Great Mills High School has a long-standing STEM program with direct ties to NAS Patuxent River — students in the program benefit from partnerships, resources, and opportunities connected to the base’s engineering and aviation mission. This is worth knowing if you have a STEM-interested student. The school liaison officer can provide up-to-date zone maps and help you navigate the redistricting timeline as boundaries are finalized.
Southern Maryland has strong higher education options within a reasonable drive. St. Mary’s College of Maryland is a nationally ranked public liberal arts honors college just miles from the base. College of Southern Maryland has multiple campus locations in St. Mary’s, Charles, and Calvert Counties, offering associate and bachelor’s programs including strong STEM and nursing tracks. Embry-Riddle Aeronautical University and University of Maryland Global Campus (UMGC) both offer on-base and online programs for active duty and spouses. USAJOBS is also the primary resource for federal civilian employment at NAVAIR and NAWCAD — with 10,000+ employees, the contractor and GS-civilian ecosystem around Pax River is one of the most robust opportunities for educated military spouses on the East Coast.
NAS Patuxent River has a Commissary and Navy Exchange (NEX) on base. The Commissary is noted as being on the smaller side by base standards, but several families point out that a trip to the Commissary is worth combining with stops at the Amish markets and local farms for produce — Southern Maryland has a thriving agricultural community and the farm stands are genuinely exceptional. The NEX provides retail, auto, and specialty services. MWR at Pax River is well-developed given the large workforce. The MWR Community Recreation Office can be reached at (301) 342-3648.
The Navy Gateway Inns & Suites (NGIS) at NAS Patuxent River provides temporary lodging for incoming and outgoing PCS families. Book as early as possible — lodging fills quickly during peak PCS season. Contact the Navy Gateway Inn at 22103 Mandt Road, Building 406, at (301) 342-3601. Single E-4 and below on PCS orders report directly to Bachelor Quarters; E-5 and above must obtain lodging at NGIS or the Navy Lodge first. If no lodging is available, get a Certificate of Non-Availability (CNA) from lodging to authorize off-base hotel reimbursement. The Fleet & Family Support Center’s Loan Closet also provides kitchen items, air mattresses, and folding furniture for families awaiting household goods delivery.
| Facility / Service | Phone / Contact |
|---|---|
| Navy Gateway Inn (NGIS) | (301) 342-3601 — 22103 Mandt Rd, Bldg 406 |
| Fleet & Family Support Center | (301) 342-4911 — 21993 Bundy Rd, Bldg 2090 |
| MWR Community Recreation | (301) 342-3648 |
| School Liaison Officer | (301) 995-4004 |
| Household Goods / Transportation Office | (301) 757-9666 / (888) 271-7950 — 47253 Whalen Rd, Bldg 588 |
| MilitaryINSTALLATIONS (full directory) | MilitaryOneSource |
As soon as you receive orders to NAS Patuxent River, contact your gaining command for a sponsor — per OPNAVINST 1740.3C, your sponsor is one of your most valuable resources before and during the move. Allow 15 business days for your sponsor to contact you; if that window passes, call the Fleet & Family Support Center at (301) 342-4911. Schedule your household goods shipment through the Defense Personal Property System at move.mil. The Household Goods and Inbound Transportation Office at Bldg 588 can be reached at (301) 757-9666. For the PPM/DITY move option, the DITY/PPM move guide explains how to maximize your reimbursement. For 2026 CONUS-to-CONUS moves, TLE now covers up to 21 days of lodging costs. Keep every receipt — for what you can deduct at tax time, see the PCS tax write-off guide.
Military personnel reporting to NAS Patuxent River check in with the Command Duty Office upon arrival. There is no routine public transportation between NAS Pax River and the major airports (BWI, Dulles, Reagan National) — all are over an hour away. Plan for a rental car, taxi, or sponsor pickup for initial transportation. The FFSC “Welcome to Pax” newcomer’s briefing and windshield tour of the installation is offered twice quarterly — sign up immediately after arrival as a priority.
Southern Maryland punches well above its weight for outdoor and cultural experiences. The combination of Chesapeake Bay access, proximity to D.C., and surprisingly deep regional history makes Pax River one of the most enjoyable shore-duty assignments on the East Coast.
| Destination | Drive Time | Highlight |
|---|---|---|
| Washington, D.C. | ~1 hr 15 min–1 hr 45 min | Smithsonian museums, monuments, restaurants, cultural events — all free admission |
| Annapolis, MD | ~1 hour | Historic downtown, U.S. Naval Academy, sailing, excellent seafood |
| Baltimore, MD | ~1 hr 30 min–1 hr 45 min | Inner Harbor, National Aquarium, Fort McHenry, world-class dining |
| Virginia Beach / Norfolk | ~2 hours | Atlantic beach, Naval Station Norfolk, First Landing State Park |
| Williamsburg / Virginia Historic Triangle | ~2 hours | Colonial Williamsburg, Busch Gardens, Jamestown, Yorktown |
| Shenandoah Valley / Blue Ridge | ~2.5 hours | Skyline Drive, Luray Caverns, Shenandoah National Park, apple orchards |
| Philadelphia, PA | ~2.5 hours | Independence Mall, Liberty Bell, Reading Terminal Market, history |
Connect with the NAS Pax River PCS Pay-It-Forward® group for locals’ picks on the best crabbing spots, hidden hiking trails, and where to get the real Maryland blue crabs done right. You can also browse the Find Your Base directory to compare notes with other East Coast duty stations.
NAS Pax River is one of the best-kept secrets for VA Home Loan buyers on the East Coast. While DC and Northern Virginia get all the housing coverage, Southern Maryland’s prices remain moderate — and the NAVAIR workforce creates steady demand from GS civilians, contractors, and rotating military families that keeps the rental market healthy for future landlords. Many families buy a home at Pax River, PCS to their next duty station, and continue to rent the home to NAVAIR contractors for several years. The economics work because Southern Maryland rents are reasonable relative to purchase prices, and the employment base is stable. If your timeline is 2+ years, the buy math is often better here than almost anywhere on the East Coast. Talk to a VA-specialized lender before you arrive — your BAH can be counted as income on your loan application, significantly improving your qualification picture. See the full 2026 BAH guide and the PCS binder and checklist to make sure you’re financially prepared for closing.
NAS Patuxent River is the Navy’s center for aviation research, development, test, and evaluation. It is home to the headquarters of Naval Air Systems Command (NAVAIR) and Naval Air Warfare Center Aircraft Division (NAWCAD), the U.S. Naval Test Pilot School, and the Atlantic Test Range. NAVAIR employs more than 10,000 military and civilian personnel who provide full life-cycle support for every Navy and Marine Corps aircraft and airborne system. The base conducts over 165,000 air operations annually across 780 restricted square miles of airspace.
NAS Patuxent River falls under the Patuxent River, MD MHA. 2026 BAH rates with dependents range from $2,268/month (E1–E4) to $3,348/month (O-7). The 2026 national BAH average increased 4.2%, and Pax River’s rates followed that trend. Verify your exact rate at the DTMO BAH Calculator or call the Housing Service Center at (301) 342-3846.
Liberty Military Housing manages 749 homes across six neighborhoods: Lovell Cove and Carpenter Park (enlisted); Gold Coast (senior officers, waterfront); Challenger Estates (all ranks, 10–15 min from main base); Columbia Colony (officers); and Glenn Forest (enlisted townhomes). Contact the Navy Housing Service Center at (301) 342-3846 or email PatuxentRiver_Housing@navy.mil as soon as you receive orders.
Lexington Park offers the shortest commute (5–15 min) and the most urban amenities. California, MD offers lower home prices starting around $157,000 and includes the popular Wildewood community. Leonardtown provides small-town character, the best high school in the county, and some of the lowest rental prices in the area. Great Mills is a good choice for families whose high schoolers benefit from the STEM program tied to NAS Pax River. Check with the School Liaison Officer at (301) 995-4004 before choosing a neighborhood — redistricting beginning in 2026–27 could affect your assigned high school.
Naval Health Clinic Patuxent River (NHCPR) provides primary care, dental, pharmacy, mental health, and specialty referrals. Call (301) 342-1506 for appointments. Clinic hours are Monday–Friday 0730–1800 and Saturday 0800–1600. NHCPR does not offer walk-in emergency care — go to MedStar St. Mary’s Hospital (301-475-8981) in Leonardtown for emergencies. For 24/7 nurse advice, call the TRICARE Nurse Advice Line at (800) 874-2273, option 1. Visit paxriver.tricare.mil for full services and directory.
All students attend St. Mary’s County Public Schools (SMCPS), a 27-school district with over 17,000 students and a 94%+ college/career-ready graduation rate. The three public high schools are Leonardtown (highest-rated in the county), Great Mills (STEM program partnered with NAS Pax River), and Chopticon. SMCPS is proposing phased high school redistricting beginning in 2026–27 — call the NAS Pax River School Liaison Officer at (301) 995-4004 to verify your assigned school for any prospective address before you sign a lease.
NAS Patuxent River is approximately 65 miles southeast of Washington, D.C. The drive typically takes 1 hour 15 minutes to 1 hour 45 minutes depending on traffic and route — longer during commuter rush hours. All three major D.C.-area airports (BWI, Dulles, Reagan National) are over an hour from the base. There is no public transportation connecting Pax River to the airports — plan accordingly for travel days.
For most families with a 2+ year assignment, buying at Pax River is one of the strongest VA Home Loan decisions you can make on the East Coast. Home prices are moderate ($157,000–$375,000 in most neighborhoods), the NAVAIR contractor workforce creates consistent rental demand for future landlords, and your BAH can be counted as income on your loan application. Many Pax River families have bought, PCS’d, and rented their homes to contractors for years with strong results. Visit the VA Home Loan page to get started.
Several things set Pax River apart. The civilian-heavy workforce (NAVAIR contractors and GS employees outnumber active-duty military significantly) creates a different community dynamic — more stable, less transient, with deep local roots. The Chesapeake Bay waterfront location delivers genuine outdoor recreation that surprises most incoming families. Proximity to D.C., Baltimore, and Annapolis gives you a world-class cultural and dining scene within driving distance. And the work itself — especially for test pilots, engineers, and acquisition professionals — is career-defining in ways that most fleet assignments simply aren’t. If you care about where naval aviation is going, this is where it gets built.
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
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