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
Orders to Naval Air Station Lemoore? You’re heading to the Navy’s largest and newest Master Jet Base — the West Coast home of the F/A-18E/F Super Hornet and F-35C Lightning II, planted right in the heart of California’s San Joaquin Valley. Before you sign a lease or commit to anything, start your free PCS Plan and join the NAS Lemoore PCS Pay It Forward® group — it’s the fastest way to get honest, current intel from families stationed there right now. This guide covers 2026 BAH rates, housing, schools, medical, base amenities, and what small-town Central Valley life is actually like for a military family.
| Fast Facts: NAS Lemoore | |
|---|---|
| Branch | United States Navy |
| Official Name | Naval Air Station Lemoore (NAS Lemoore / NASL) |
| Location | Kings County, California — San Joaquin Valley (Central California) |
| Mission | West Coast home of the F/A-18E/F Super Hornet and F-35C Lightning II; strike fighter training and operational readiness |
| Established | 1961 — Navy’s newest Master Jet Base |
| Population | ~6,500 active military, 7,476 dependents, plus 355 reservists and 2,403 civilians |
| Runways | Two 13,500-foot offset runways (Reeves Field) |
| Base Operator | (559) 998-0111 |
| Housing Office (HSC) | 800 Bon Homme Richard Rd., NAS Lemoore, CA 93246 | (559) 998-4949 | LemooreHousing@navy.mil |
| Naval Hospital Lemoore | 937 Franklin Avenue, NAS Lemoore, CA 93246 | (559) 998-4481 |
| Routine Medical Appointments | (559) 998-0889 | Mon–Fri 0630–1600 |
| School Liaison | (559) 998-2242 | DSN 949-2242 |
| Fleet & Family Support Center (FFSC) | (559) 998-4042 | DSN 312-949-4042 |
| Nearest Airport | Fresno Yosemite International (FAT) — ~40 min north |
| Official Website | cnic.navy.mil — NAS Lemoore |
NAS Lemoore BAH is calculated under the LEMOORE NAS, CA Military Housing Area. For 2026, rates decreased 0.9% from 2025 — one of the relatively rare instances of a BAH decrease, reflecting the Central Valley’s affordable rental market. This is worth knowing upfront: Lemoore’s BAH is lower than most California Navy bases because the local cost of living is genuinely low. The silver lining is that your BAH here typically covers full rent with room to spare, and goes further toward a mortgage than at coastal California installations. Use the DoD BAH Calculator to confirm your exact rate, and see our full 2026 BAH rates guide for context.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 | $1,944 | $1,581 |
| E-2 | $1,944 | $1,581 |
| E-3 | $1,944 | $1,581 |
| E-4 | $1,944 | $1,581 |
| E-5 | $2,139 | $1,680 |
| E-6 | $2,277 | $1,764 |
| E-7 | $2,337 | $1,950 |
| E-8 | $2,406 | $2,175 |
| E-9 | $2,514 | $2,202 |
| W-1 | $2,292 | $1,884 |
| W-2 | $2,364 | $2,172 |
| W-3 | $2,454 | $2,211 |
| W-4 | $2,535 | $2,283 |
| W-5 | $2,643 | $2,352 |
| O-1 | $2,166 | $1,743 |
| O-2 | $2,274 | $2,079 |
| O-3 | $2,451 | $2,220 |
| O-4 | $2,673 | $2,334 |
| O-5 | $2,835 | $2,367 |
| O-6 | $2,856 | $2,430 |
BAH reality check at Lemoore: Despite being the lowest of California’s Navy bases, your BAH here typically covers rent or a mortgage payment in the Lemoore/Hanford area. Median rents in Lemoore run $1,200–$1,800/month for a 3-bedroom, and homes sell in the $280,000–$380,000 range. That means an E-5 or above with dependents can realistically own here using a VA loan with no out-of-pocket down payment. Talk to a VA loan specialist before you commit to renting.
On-base family housing is privatized under a Public-Private Venture (PPV) partnership with Liberty Military Housing (LMH). There are 1,630 PPV homes across six neighborhoods at NAS Lemoore, offering 2–4 bedroom single-family homes assigned by rank and family size. All are pet-friendly. Community amenities include swimming pools, playgrounds, tot-lots, and a fitness center. Maximum rent equals your full BAH — meaning no out-of-pocket housing cost when you live on base.
| Housing Contact | Address | Phone / Email | Hours |
|---|---|---|---|
| Navy Housing Service Center (HSC) | 800 Bon Homme Richard Rd., NAS Lemoore, CA 93246 | (559) 998-4949 | LemooreHousing@navy.mil | Mon–Fri 8am–4pm |
| Liberty Military Housing (LMH) | 700 Avenger Avenue, NAS Lemoore, CA 93246 | (559) 772-1444 | Business hours |
How to apply: Submit your application along with your PCS Orders, Record of Emergency Data (Page 2), and Detaching Endorsement from your current command. Applications can be submitted in person, by mail, fax, or email. Your official waitlist date begins on the date of detachment from your last permanent duty station — not when you submit paperwork. You must check in with the HSC within 30 days of arrival to secure full local move benefits. Contact the HSC at (559) 998-4949 or email LemooreHousing@navy.mil for an application. You can choose a 6- or 12-month initial lease term, with month-to-month available after that. The lease includes a military clause.
Single service members may be eligible for the Combined Bachelor Quarters (CBQ). Contact the BQ Front Desk (Hornet Desk) at (559) 998-4609, located at 800 Bon Homme Richard Rd., NAS Lemoore, CA 93246.
NAS Lemoore sits in a genuinely rural part of California — surrounded by agricultural fields, with the nearest major city (Fresno) about 40 minutes north. Most military families choose between the city of Lemoore (closest to base) and Hanford (about 8–19 miles east with more shopping and dining options). A smaller number live further out in Visalia or Fresno for more urban amenities. Get current neighborhood opinions from families living there now in the NAS Lemoore PCS Pay It Forward® group.
| Area | Distance to Gate | Best For | Avg. 3BR Rent | Avg. Home Price |
|---|---|---|---|---|
| City of Lemoore | 5–15 min | Closest commute; most affordable; small-town atmosphere | $1,200–$1,800/mo | $260,000–$360,000 |
| Hanford | 15–25 min | More shopping/dining; historic downtown; family-friendly; better school options | $1,400–$2,000/mo | $310,000–$420,000 |
| Armona | ~20 min | Quiet, very affordable; small community between Lemoore and Hanford | $1,000–$1,500/mo | $220,000–$320,000 |
| Visalia | ~35–45 min | Larger city; excellent schools; more dining/retail; longer commute | $1,600–$2,400/mo | $370,000–$550,000 |
| Fresno | ~40–50 min | Full city amenities; airport access; higher cost; long commute | $1,500–$2,500/mo | $320,000–$500,000 |
Honest housing intel from the community: Lemoore is primarily residential — it has a Starbucks and a Save-Mart, but that’s about it for major retail. Hanford is where most families go for Target, Costco, Walmart, and chain restaurants. For the best grocery prices, Visalia has a WinCo and more competitive options. Homes in Lemoore and Hanford move fast — inventory is consistently tight, and homes often go under contract within days of listing. If you’re buying, connect with a VA-experienced agent early. The market here strongly favors buyers with VA loans since prices are well within VA loan limits. See our VA home loan guide to understand your 2026 buying power.
Kings County has 13 public school districts serving the NAS Lemoore area. Your child’s school is determined by your home address. There are two public schools physically located on the installation, and the School Liaison Officer (SLO) at (559) 998-2242 is your best first call for enrollment help, record transfers, IEP coordination, and EFMP transitions.
| School | Grades | Location | Notes |
|---|---|---|---|
| Admiral Akers Elementary School | K–8 | On-base, NAS Lemoore | Part of Central Union School District; primary option for on-base families |
| R. J. Neutra Elementary School | K–8 | On-base, NAS Lemoore | Part of Central Union School District; second on-base elementary option |
| District / School | Grades | Serves | Contact |
|---|---|---|---|
| Lemoore Union High School District (Lemoore High School) | 9–12 | On-base families and Lemoore city residents | luhsd.net |
| Hanford Joint Union High School District | 9–12 | Hanford residents — Hanford High, Hanford West, Sierra Pacific HS | hjuhsd.k12.ca.us |
| Hanford Elementary School District | K–8 | Hanford residents | hanfordesd.org |
| Central Union School District | K–8 | On-base and surrounding areas | Includes Akers and Neutra on base |
| NAS Lemoore School Liaison | All grades | All military families — enrollment, records, IEP/EFMP | (559) 998-2242 | DSN 949-2242 |
Bus transportation to Lemoore high schools is provided for on-base residents. There are also charter school options in the area, including University Charter (6–8) and Lemoore Middle College High (9–12). Charter school enrollment periods can open a year in advance — contact the School Liaison early if a charter school is a priority. Families in Hanford tend to have access to a broader range of school options; this is one reason many families with older children prefer Hanford over Lemoore. For special needs: contact the SLO at (559) 998-2242 and coordinate your EFMP enrollment prior to arrival, as rural area services require advance planning.
NAS Lemoore has a full on-base hospital — Naval Hospital Lemoore — a 16-bed facility providing urgent care 24/7 and comprehensive outpatient services. This is a meaningful advantage over bases with only a branch health clinic. It provides primary care, specialty care, dental services, and emergency care for active duty, retirees, and their dependents.
| Facility | Address | Phone | Hours |
|---|---|---|---|
| Naval Hospital Lemoore (Main / Urgent Care) | 937 Franklin Avenue, NAS Lemoore, CA 93246 | (559) 998-4481 | Urgent care: 24/7 | Information desk: (559) 998-4481 |
| Routine Appointments | Same campus | (559) 998-0889 | Mon–Fri 0630–1600 |
| Dental Clinic | Building 926 (south of hospital) | Via main line | Business hours |
| Pharmacy | On campus | Via main line | Mon–Fri 0730–1800 | Weekends & Holidays 0900–1300 |
| EFMP Enrollment | On campus | (559) 998-4440 | Business hours |
For complex specialty care not available on base, TRICARE West network referrals typically go to civilian providers in Fresno (~40 minutes north). The nearest civilian emergency room is in Hanford or Lemoore. For TRICARE enrollment, network questions, and referrals, visit lemoore.tricare.mil.
| Facility | Details |
|---|---|
| Navy Exchange (NEX) | Full retail, services, and dining on base |
| Commissary | Full-service grocery commissary — important given limited civilian grocery options in Lemoore |
| Fitness Centers | Two fitness centers on base |
| Swimming Pools | Three pools on base including Spuds Pool with adjacent picnic area |
| Bowling Alley | On base at Coyote Entertainment Center — discounted rates |
| Movie Theater | On base — discounted rates for military families |
| Coyote Entertainment Center | Bowling, dining, e-gaming, arcade — primary on-base entertainment hub |
| Child Development Center (CDC) | Full-day daycare and preschool; (559) 998-4344 for child/youth programs including homeschool PE |
| Liberty Center | Activities, trips, and programs for single service members |
| ITT (Information, Tickets & Travel) | Discounted tickets for parks, attractions, and travel — highly useful given proximity to national parks |
| Fleet & Family Support Center (FFSC) | (559) 998-4042 — spouse employment, financial counseling, deployment support, classes and activities |
| Chapel | Multi-faith services and counseling |
| Combined Bachelor Quarters (CBQ) | 800 Bon Homme Richard Rd. | (559) 998-4609 |
The commissary here is especially important to budget. Lemoore’s only major civilian grocery is Save-Mart — so commissary savings are real money compared to driving to Hanford for a Costco or to Visalia for a WinCo. The ITT office is worth visiting early in your tour: they sell discounted tickets for Disneyland, Six Flags, Kings Canyon, Sequoia, and dozens of other California attractions at significant savings. Contact the NAS Lemoore PCS Pay It Forward® group for current ITT deals and base event schedules.
NAS Lemoore is one of those duty stations that surprises families — usually for the better, once they get past the initial “where am I?” adjustment. Here’s what families actually say after they’ve been there a year.
The San Joaquin Valley has a Mediterranean climate — which sounds idyllic until you experience a Central Valley summer. July and August regularly hit 100–108°F, and humidity can make it feel worse. Winters are mild (daytime highs in the 50s–60s) but the Valley is famous for tule fog — dense ground fog from November through February that can reduce visibility to near zero and causes serious accidents on Highway 99 and surrounding roads. If you’re driving to Fresno, Visalia, or anywhere during fog season, give yourself extra time and stay off the roads until it burns off midday.
| Season | Typical Temps | What to Know |
|---|---|---|
| Summer (Jun–Sep) | 95–108°F highs; 65–75°F nights | Extreme dry heat; outdoor activities best early morning or after sunset |
| Fall (Oct–Nov) | 65–85°F highs; 45–60°F nights | Pleasant; harvest season; fog begins late October |
| Winter (Dec–Feb) | 50–60°F highs; 35–45°F nights | Tule fog season — dangerous driving conditions; plan commutes accordingly |
| Spring (Mar–May) | 65–85°F highs; 50–60°F nights | Best season; wildflowers in the foothills; comfortable for outdoor activities |
This is Lemoore’s biggest financial advantage. You’re in California — but not coastal California. Gas is typically cheaper than the state average, groceries are affordable (with commissary access), and housing costs are a fraction of what you’d pay at San Diego or Ventura. California does not exempt active-duty military pay from state income tax, which is worth factoring into your budget planning compared to states like New Mexico or Texas. See our PCS tax write-offs guide for what you can recapture at tax time.
| Expense | Estimated Range (2026) | Notes |
|---|---|---|
| 3BR Rent (Lemoore) | $1,200–$1,800/mo | BAH covers most options; inventory is tight — apply early |
| 3BR Rent (Hanford) | $1,400–$2,000/mo | More inventory than Lemoore; move fast when listed |
| Median Home Price (Lemoore) | $260,000–$360,000 | Strong VA loan market; tight inventory; homes often sell within days |
| Median Home Price (Hanford) | $310,000–$420,000 | Slightly higher; better school access worth the premium for many families |
| Utilities | Water/sewer/garbage: $75–$125/mo | Electricity: higher in summer | Summer AC bills can run $200–$350/mo in extreme heat months |
| Gas | Cheaper in Lemoore vs. Hanford by $0.45–$1.00/gal | Fill up in Lemoore — don’t wait until you’re in Hanford or Fresno |
Lemoore’s Central California location is genuinely excellent for weekend exploration. You’re within 2 hours of the Sierra Nevada mountains, national parks, and the Central Coast. Active-duty military and dependents receive free admission to national parks — and you have some of the country’s best ones nearby.
| Destination | Drive Time | Military Benefit |
|---|---|---|
| Sequoia & Kings Canyon National Parks | ~1.5–2 hrs (east) | Free entry for active duty and families — world’s largest trees, stunning canyon |
| Yosemite National Park | ~2.5 hrs (north) | Free entry for active duty; reserve timed entry passes in advance |
| Kaweah, Shaver & Huntington Lakes | ~1.5–2 hrs (east) | Hiking, boating, fishing, skiing in winter; popular summer escape from Valley heat |
| Pismo Beach / Central Coast | ~2 hrs (west) | Ocean, sand dunes, wine country; closest Pacific Coast beaches |
| Kings River | ~45 min (north) | Whitewater rafting, kayaking, fishing; popular summer activity |
| Fresno | ~40 min (north) | Chaffee Zoo, Bitwise District, shopping malls, Target/Costco, concerts and events |
| Pinnacles National Park | ~2.5 hrs (northwest) | Free entry for active duty; rock climbing and cave hiking |
| Los Angeles | ~3 hrs (south) | Major day trip or weekend destination; military discounts throughout LA |
| San Francisco Bay Area | ~3 hrs (north) | Weekend destination; equally distant to both major California metros |
Lemoore is small-town California — the kind of place that takes adjustment if you’re coming from a major metro, but wins people over with community warmth and the pace of life. There’s a weekly Thursday Night Farmers Market in Hanford (late May through September), the Kings County Fair in summer, Blues and Roots festival in fall, and live concerts in the park featuring touring country artists. The Hanford Fox Theater — a restored 1920s gem on Main Street — hosts live performances year-round. Lemoore has the Surf Ranch, a unique Kelly Slater Wave Co. facility where you can surf nearly 100 miles from the ocean. Multiple equestrian barns offer rides, lessons, and tours for horse-loving families. The Sarah A. Mooney Museum in Lemoore preserves the history of one of the Valley’s original pioneer families and is worth a visit.
NAS Lemoore is accessible via CA-41 and CA-198. The Visitor Control Center handles all base access questions for new arrivals. Contact the HSC at (559) 998-4949 and the FFSC at (559) 998-4042 as your first calls after receiving orders — both offices run new arrival orientation programs and provide relocation assistance. Use our PCS binder checklist and military moving tips to stay organized through your first 30 days, and check your 2026 military pay charts to confirm entitlements in your first paycheck.
Naval Air Station Lemoore is the Navy’s largest and newest Master Jet Base, established in 1961. It serves as the West Coast home of the F/A-18E/F Super Hornet and F-35C Lightning II strike fighters, supporting all Pacific Fleet carrier-based strike fighter squadrons. The installation operates under Commander, Strike Fighter Wing, U.S. Pacific Fleet, and currently supports one Fleet Replacement Squadron and sixteen operational squadrons. Two 13,500-foot runways (Reeves Field) handle the operational tempo required for carrier-based aviation training.
NAS Lemoore 2026 BAH rates decreased 0.9% from 2025 — a reflection of the Central Valley’s affordable rental market. Rates range from $1,581/month (E-1 without dependents) to $2,856/month (O-6 with dependents). Despite being lower than coastal California Navy bases, your BAH here typically covers full rent in the Lemoore/Hanford area. Verify your exact rate using the DoD BAH Calculator, or see the full table above and our 2026 BAH rates guide.
On-base family housing is a Public-Private Venture managed by Liberty Military Housing (LMH). There are 1,630 PPV homes across six neighborhoods offering 2–4 bedroom single-family homes by rank and family size. Rent equals your full BAH — no out-of-pocket housing cost. Contact the Navy Housing Service Center (HSC) at (559) 998-4949 or LemooreHousing@navy.mil to apply and check waitlist status. You need PCS Orders, a Page 2, and a Detaching Endorsement to submit an application.
Most families choose between the city of Lemoore (5–15 minutes to gate, most affordable, small-town feel) and Hanford (15–25 minutes, more shopping and dining, better selection of schools). Hanford is preferred by families with older children due to the Hanford Joint Union High School District options and greater access to amenities. Armona (between the two) is very affordable and quiet. Visalia (35–45 minutes) offers excellent schools and a larger city feel if commute time is acceptable. Get current recommendations in the NAS Lemoore PCS Pay It Forward® group.
On-base families attend Admiral Akers Elementary or R. J. Neutra Elementary (both K–8, Central Union School District), then transition to Lemoore High School for 9–12. Hanford residents attend schools in the Hanford Elementary School District (K–8) and Hanford Joint Union High School District (Hanford High, Hanford West, or Sierra Pacific). Bus service to Lemoore high schools is provided for on-base residents. Call the School Liaison at (559) 998-2242 before your move to coordinate enrollment, records, IEPs, and EFMP.
Yes — Naval Hospital Lemoore is a 16-bed facility at 937 Franklin Avenue on the installation, providing urgent care 24/7 and full outpatient services Monday through Friday. Call (559) 998-4481 for general information or emergencies. For routine appointments, call (559) 998-0889 (Mon–Fri 0630–1600). The pharmacy is open Monday–Friday 0730–1800 and weekends/holidays 0900–1300. The dental clinic is in Building 926 just south of the hospital. Visit lemoore.tricare.mil for the full directory and TRICARE enrollment information.
For many families, especially those who get orders for 2–3 years, buying makes strong financial sense here. Home prices are well within VA loan limits ($260,000–$420,000 depending on area), your BAH can cover or nearly cover a mortgage payment, and the VA loan requires zero down payment. The catch: the market is tight and homes move fast — sometimes within 24–48 hours of listing. If buying is your plan, get pre-approved before you arrive and work with an agent who knows military buyers. Connect with a VA loan specialist through our VA home loan page.
More than most people expect. Sequoia and Kings Canyon National Parks are 1.5–2 hours east (free admission for active duty). Yosemite is 2.5 hours north. The Central Coast and Pismo Beach are 2 hours west. The Kings River nearby offers excellent whitewater rafting and fishing. Locally, the Hanford Fox Theater, Thursday Night Farmers Market, Kings County Fair, and the unique Kelly Slater Surf Ranch in Lemoore keep families busy. Fresno (40 minutes) has the Chaffee Zoo, sports events, concerts, and full city amenities. The base ITT office sells discounted tickets for all major California attractions — make that one of your first stops after check-in.
Tule fog is a real safety issue in the Central Valley, typically running from November through February. This dense ground fog — different from coastal sea fog — can reduce visibility to near zero, especially on Highway 99 and surrounding agricultural roads. It’s responsible for serious multi-car accidents every year. Adjust your commute and driving habits during fog season: leave earlier, reduce speed significantly, and wait for it to burn off (usually by midday) before making non-essential trips. It’s not a minor inconvenience — it’s a genuine safety hazard that catches transplants off guard every winter.
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 PCS Plan Start Your Free Pay it Forward PCS Plan© — Personalized Support for Your Next Move Tell us where you’re headed and
Free for All Branches · No Credit Pull · No Obligation Your VA Home Loan Benefit.$0 Down. No PMI. No Guessing. A free personalized report
Free PCS Planning Toolkit — Military Families Since 2016 Your Personal Guide to Every Military Move Whether it’s your first PCS or your fifth, you