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 Station Everett is the Navy’s most modern shore installation — a surface warfare homeport on Puget Sound with stunning mountain views, a tight-knit military community, and one of the more competitive housing markets in the Pacific Northwest. This guide covers 2026 BAH rates, housing costs, neighborhoods, schools, medical, base amenities, and real talk from families who’ve done this tour.
If you just got orders to Naval Station Everett and you’re staring at your phone wondering where to even start — you’re in the right place. NSE is a smaller base, which means the housing market moves fast. Moreover, the community is close-knit, and what you don’t know before you arrive can cost you real money and real stress. Together, we’ve pulled everything you’d find in the Facebook group, from the housing office, and in those late-night calls with people who’ve already done this tour — and put it all here.
| Detail | Info |
|---|---|
| Installation | Naval Station Everett (NSE / NAVSTA Everett) |
| Location | 2000 W Marine View Dr, Everett, WA 98207 |
| Main Gate Phone | (425) 304-3260 |
| Housing Office Phone | (425) 304-3402 |
| Branch Health Clinic Phone | (425) 304-4060 |
| Fleet & Family Support Center | (866) 854-0638 |
| School Liaison Officer | (425) 304-3688 |
| ID/CAC Card Processing | (425) 304-4256 |
| Nearest Major City | Seattle (~29 miles south) |
| Nearest Airport | Paine Field / Snohomish County (PAE) — 5 miles |
| State Income Tax | None — Washington has no state income tax |
| BAH Area | EVERETT, WA Military Housing Area |
Honest answer: yes — with caveats. NSE sits on the shores of Port Gardner Bay with views of the Olympic Mountains and the Cascades. The Pacific Northwest is genuinely beautiful and the outdoor recreation is world-class. Seattle is close enough for a day trip, but far enough that you’re not paying Seattle prices for everything. Additionally, Washington state has no personal income tax, which is a meaningful financial advantage when comparing duty stations.
Families who love this tour consistently point to the same things. First, the scenery and outdoor access are unmatched. Second, the community here is genuinely tight — NSE is small enough that people actually know each other. Third, the no-income-tax advantage effectively puts more money in your pocket every month. Additionally, Paine Field is just five miles from base with direct West Coast flights — a practical quality-of-life win that often gets overlooked.
Furthermore, NSE is on the edge of an exciting chapter. The Navy announced that Naval Station Everett will become the future homeport for the first 12 Constellation-class frigates (FFG-62), with the lead ship, USS Constellation, expected in 2026. Consequently, NSE’s mission profile — and the community around it — is set to grow significantly over the next decade.
The housing market in Snohomish County is competitive and expensive. Specifically, if you wait until you arrive to look for off-base housing, you will lose it. Deployment tempo can be heavy depending on which ship you’re attached to. Moreover, the clinic on base has a mixed reputation for appointment availability. Most experienced families establish a PCM in the civilian TRICARE network quickly after checking in.
However, the community here is genuinely tight. The NSE area has an active military spouse network, a strong Facebook group, and people who show up when your sailor deploys. That matters more than you might expect.
BAH at NSE is based on the EVERETT, WA Military Housing Area. Rates increased by an average of 4.2% in 2026, reflecting higher rental costs across the Puget Sound region. Washington’s no-income-tax status makes these rates even more effective than the dollar amounts suggest.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 | $2,568 | $2,085 |
| E-2 | $2,568 | $2,085 |
| E-3 | $2,568 | $2,085 |
| E-4 | $2,568 | $2,085 |
| E-5 | $2,748 | $2,277 |
| E-6 | $3,243 | $2,433 |
| E-7 | $3,363 | $2,574 |
| E-8 | $3,489 | $2,850 |
| E-9 | $3,630 | $2,997 |
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| O-1 | $2,814 | $2,385 |
| O-2 | $3,240 | $2,691 |
| O-3 | $3,567 | $3,063 |
| O-4 | $3,780 | $3,366 |
| O-5 | $3,936 | $3,435 |
| O-6 | $3,969 | $3,549 |
Rates effective January 1, 2026. Always verify current rates at the DoD BAH Calculator.
For the full 2026 BAH breakdown by zip code, pay grade, and how to use your BAH toward a home purchase, see our 2026 BAH rates guide.
On-base family housing at NSE is managed by Balfour Beatty Communities. Units range from townhomes to single-family homes, organized by pay grade.
Housing Service Center Contact:
Waitlists are real. The smaller the installation, the shorter the inventory. Get your name on the list the moment you receive orders — not when you arrive. Call the housing office as soon as your detachment date is confirmed. Specifically, ask for current waitlist times by pay grade, because they vary significantly.
The Everett and Snohomish County rental market is competitive. Families routinely report losing rentals to other applicants within hours of a listing going live. Here’s an honest breakdown by area:
💡 Real talk from the community: Most families start their housing search 90–120 days before their report date. The Everett market does not wait. Join the NSE PCS Pay-It-Forward® Facebook group for real-time housing leads, referrals to military-friendly landlords, and neighborhood intel from families currently stationed there.
Connect with a VA home loan specialist before you make an offer →
This is one of the most important things to understand about NSE — and one that surprises a lot of new arrivals. In fact, the commissary, NEX, and most family support services are NOT at the main base on Marine View Drive. Instead, they’re located at the Navy Family Support Complex at Smokey Point, approximately 11 miles north of the main gate near Marysville.
Smokey Point houses:
Specifically, if you’re house-hunting in Marysville, your proximity to both NSE and Smokey Point becomes a genuine advantage — you’re splitting the distance between both facilities.
Note: There is no DoDEA school at Naval Station Everett. All military children attend local public schools. Before choosing a neighborhood, confirm your address falls in your preferred district — boundary lines in this area can be counterintuitive. The School Liaison Officer at NSE can help you navigate this: call (425) 304-3688.
The most commonly recommended district for NSE families. It serves Mukilteo, parts of Everett, and Lynnwood.
Serves families living in Everett proper, closest to base.
Serves families living north of base in Marysville and Lakewood.
Covers the Snohomish area (~25 minutes from base), popular with families who want a more rural feel.
Check school ratings at GreatSchools.org and verify address-to-district boundaries before you sign a lease.
The on-base clinic handles primary care, pharmacy, and immunizations for active-duty and enrolled dependents.
Honest heads-up: the clinic has a mixed reputation, particularly for appointment availability and specialist referrals. Therefore, many experienced NSE families establish an off-base PCM through TRICARE Prime or TRICARE Select as a backup plan. Specifically, do this early — don’t wait until you need a referral to sort out your coverage.
Build your NSE PCS plan with a local Ambassador →
Naval Station Everett is a smaller installation, so amenities at the main base are focused on essentials. However, the Navy Support Complex at Smokey Point significantly expands what’s available to you. Together, the two facilities cover most of what you’d expect from a major fleet homeport.
| Amenity | Details |
|---|---|
| Fitness Center / Gym | Highly rated by service members; includes pool and modern equipment |
| Sailors Choice Marina | Private mooring; recreational boating on Puget Sound |
| Child Development Center (CDC) | On base — waitlists common; get on the list immediately upon orders |
| Fleet & Family Support Center | On base — deployment prep, financial counseling, relocation assistance |
| Branch Health Clinic | Primary care, pharmacy, immunizations |
| Amenity | Details |
|---|---|
| Navy Exchange (NEX) | Clothing, electronics, household goods |
| Commissary | Full-service grocery |
| Chapel | Religious education center and worship space |
| Auto Hobby Shop | Gear issue, DIY vehicle maintenance bays |
| Education Offices | TA, GI Bill counseling, tuition assistance coordination |
| MWR Programs | Recreation programs, events, mountaineering program (2026); see navylifepnw.com |
CDC waitlist tip: This is critical for families with young children. Get on the CDC waitlist the moment you have orders. Do not wait until check-in — waitlists here are real.
Naval Station Everett is the homeport for surface combatants assigned to Carrier Strike Group 11 (CSG-11) and Destroyer Squadron 9 (DESRON 9). Currently, NSE homeports seven guided-missile destroyers, along with Coast Guard vessels and Military Sealift Command ships.
Notably, the Navy has designated NSE as the future homeport for the first 12 Constellation-class frigates (FFG-62). USS Constellation, the lead ship, is expected for delivery in 2026. As a result, NSE’s role — and the community around it — will grow significantly over the next decade. If you’re heading here now, you’re arriving at a moment of real expansion for this installation.
Deployment tempo is real. Six-to-eight month deployments are common, and underways happen regularly even between deployments. Therefore, building your support network before deployment is the most important thing you can do at this duty station.
Fleet & Family Support Center (FFSC) on base offers:
The NSE PCS Pay-It-Forward® Facebook group is one of the best places to plug in early. People here rally hard during deployments — but you have to show up first.
The Everett and Snohomish County job market is genuinely strong for military spouses. Specifically, key industries in the area include aerospace, technology, healthcare, and government. Several specific resources exist to help you hit the ground running.
Additionally, Seattle’s tech sector is accessible via Sounder commuter rail from Everett. For spouses with remote or hybrid roles in the Seattle market, this is a realistic daily commute option.
Washington state’s no-income-tax status is a genuine financial win. However, the tradeoff is a higher cost of living than many other duty stations, particularly in housing. Groceries, utilities, and gas are comparable to other Pacific Northwest cities.
For how to put your BAH and no-tax advantage together into a buying strategy, see our VA home loan guide and 2026 BAH guide.
The Pacific Northwest reputation for rain is real — but nuanced. Everett averages about 35 inches of rain per year, which is actually less than Seattle. Moreover, most precipitation comes as overcast drizzle rather than heavy downpour. Summers from July through September are spectacular: sunny, mild, with temperatures typically in the 70s. Winters are grey and damp, but rarely feature snow at sea level. In fact, if you’re coming from a sunny duty station, a good rain jacket and intentional planning for clear-day outdoor time go a long way.
This is genuinely where Everett shines:
Here’s the short version of your first-30-days checklist for Naval Station Everett:
Need a moving checklist? Our PCS binder and checklist walks you through every step. The full PCS Toolkit has everything else you need in one place.
Yes, for most families. NSE offers a tight-knit community, access to world-class outdoor recreation, and Washington’s no-income-tax advantage. The downsides are a competitive housing market and deployment tempo that can be heavy depending on ship assignment. Families who plug into the community early consistently report positive tours here.
The most popular areas are Mukilteo (excellent schools, ~10 minutes south) and Everett itself (closest to base). Additionally, Marysville (~15 minutes north) offers more affordability, while Mill Creek (~20–25 minutes) draws families seeking newer construction.
BAH is based on the EVERETT, WA Military Housing Area. Key 2026 rates: E-5 with dependents is $2,748; E-6 with dependents is $3,243; O-3 with dependents is $3,567; O-5 with dependents is $3,936. See the full table above, and always verify at the DoD BAH Calculator.
Waitlist times vary by pay grade and unit type, but they are real. Therefore, call the Housing Service Center at (425) 304-3402 as soon as you have orders. Confirm current wait times and get your name on the list early. Do not assume on-base housing will be available upon arrival.
They are not at the main base. The Navy Exchange and commissary are located at the Navy Support Complex at Smokey Point, approximately 11 miles north of the main gate near Marysville. Plan your shopping trips accordingly, especially if you live south of base.
Mukilteo School District is most commonly recommended for its school quality and proximity to base. Everett Public Schools serves families living closest to the main gate. Research specific schools and confirm your address falls within your preferred district before signing a lease. The School Liaison Officer at (425) 304-3688 can help you navigate district boundaries.
Yes, there is an on-base CDC, but waitlists are common. Contact the CDC immediately upon receiving orders — do not wait until you arrive to get on the waitlist. This is one of the most consistent pieces of advice from families already stationed at NSE.
NSE falls under the TRICARE West Region, administered by Humana Military. Call 1-800-444-5445 or visit humanamilitary.com to find providers and manage enrollment. Many families also set up a civilian PCM as a backup given clinic capacity limitations on base.
Many NSE families do buy, particularly given 2026 BAH rates in the area and Washington’s no-income-tax advantage. The key factors are your tour length, the current market, and VA loan eligibility. See our VA home loan guide for a full breakdown of how to use your benefit at this duty station.
NSE homeports surface combatants with real operational commitments to CSG-11. Six-to-eight month deployments plus regular underways are common. Building your support network through Fleet & Family Support Center, the ombudsman network, and the NSE Facebook group before deployment is essential for families stationed here.
Have questions or want to connect with families already at NSE? Join the NSE PCS Pay-It-Forward® Facebook group — it’s the fastest way to get real answers from people living this tour right now.
Ready to build your full PCS plan? Start here →
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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This guide covers everything military families need to know about the VA home loan benefit — eligibility, how BAH counts as qualifying income, the four VA loan types (including IRRRL for refinancing a higher rate), funding fees, and how to use your benefit more than once when you PCS.
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