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 Base Kitsap put you at the center of one of the most strategically important — and genuinely beautiful — duty stations in the Navy. The third-largest naval installation in the United States, NBK spans the Kitsap Peninsula across three primary areas: Bremerton, Bangor, and Keyport. Home to fleet ballistic missile submarines, aircraft carrier maintenance, nuclear weapons support, and 70+ tenant commands, this is a high-stakes installation surrounded by old-growth forest, Puget Sound waterways, and mountain views that never get old. The cost of living is above average, the rain is real, and most families who serve here end up wishing they could stay. Start your housing and school research now at PCS PLAN and connect with the Naval Base Kitsap PCS Pay-It-Forward® group for advice from families already on the peninsula.
Naval Base Kitsap was created in 2004 by merging Naval Station Bremerton with Naval Submarine Base Bangor, consolidating five separate installations under one command. NBK encompasses more than 12,000 acres across the Kitsap Peninsula and is the largest employer in Kitsap County, supporting over 15,000 active duty personnel.
The key strategic fact about NBK: it is home to one of only four U.S. Navy nuclear shipyards and one of only two strategic nuclear weapons facilities in the country. The West Coast’s only dry dock capable of accommodating a Nimitz-class aircraft carrier is here. This isn’t just any Navy base — it’s a linchpin of Pacific Fleet readiness.
| Detail | Info |
|---|---|
| Official Name | Naval Base Kitsap (NBK) |
| Branch | U.S. Navy / Navy Region Northwest |
| Location | Kitsap Peninsula, Washington State |
| Size | 12,000+ acres across three primary areas |
| Established (current form) | 2004 (merger of NS Bremerton + NSB Bangor) |
| Active Duty Personnel | 15,000+ |
| Tenant Commands | 70+ |
| Base Operator (Bremerton) | (360) 476-2111 |
| Base Operator (Bangor) | (360) 396-6111 |
| Official Website | cnrnw.cnic.navy.mil — Naval Base Kitsap |
| Fleet & Family Readiness | kitsap.navylifepnw.com |
NBK is not one campus — it’s three distinct areas with different missions, gate locations, housing options, and school zones. Knowing which area you’re reporting to before you arrive will shape every housing and school decision you make.
| Area | Location | Primary Mission | School District |
|---|---|---|---|
| NBK–Bremerton (incl. Puget Sound Naval Shipyard) | Bremerton, WA | Surface ship maintenance, nuclear shipyard, aircraft carrier dry dock; Puget Sound Naval Shipyard is the West Coast’s only dry dock for Nimitz-class carriers | Bremerton School District |
| NBK–Bangor (incl. Jackson Park housing) | Silverdale area (north Kitsap) | Naval Submarine Base; home to Ohio-class fleet ballistic missile submarines (Trident); one of two strategic nuclear weapons facilities in the U.S. | Central Kitsap or North Kitsap (based on housing address); Jackson Park residents: Bremerton or Central Kitsap |
| NUWC Keyport | Keyport, WA | Naval Undersea Warfare Center Division; research, development, test and evaluation of undersea weapons systems | North Kitsap School District |
The Kitsap Peninsula sits across Puget Sound from Seattle — geographically close, logistically more involved. Your primary access to and from Seattle is by Washington State Ferries, and understanding the ferry system is essential before choosing where to live.
| Destination | How to Get There | Time |
|---|---|---|
| Downtown Seattle | Bremerton–Seattle ferry (Washington State Ferries) OR drive via Tacoma Narrows Bridge + I-5 | ~60 min by ferry; ~90–120 min by car depending on traffic |
| Seattle (Edmonds–Kingston route) | Kingston–Edmonds ferry (30 min) then drive south to Seattle | ~75 min total to Seattle |
| Seattle–Bainbridge ferry | From downtown Bremerton area; 35-min ferry to Bainbridge Island, then bridge to Seattle | ~45 min ferry + drive |
| Tacoma, WA | Drive south via WA-16 / Tacoma Narrows Bridge | ~35–45 min |
| Olympic National Park | Drive north and west across Hood Canal Bridge | ~90 min to park entrance |
| Seattle–Tacoma International Airport (SEA) | Ferry to Seattle then drive, or drive via Tacoma | ~90–120 min |
Real talk on the ferry: Living on the Kitsap Peninsula and commuting to Seattle by ferry is a popular choice for military spouses working in the city — but it requires planning. Ferries run on fixed schedules, can fill during peak hours, and are weather-dependent (rarely but occasionally delayed). For families where only the service member works on base, the ferry is mostly a weekend adventure. For dual-income families with one spouse commuting to Seattle, it becomes a daily logistics exercise. Plan your home location based on where both of you actually need to be.
There is no public transportation on base. A personal vehicle is essential for daily life in the Kitsap area.
NBK housing is privatized and managed by Hunt Military Communities (West Sound Family Housing). There are ten on-base neighborhoods serving Bremerton, Bangor, and Keyport, plus apartments, and a Rental Partnership Program (RPP) that connects families with off-base landlords offering military-friendly leases. On-base housing fills quickly during summer PCS season — contact the Housing Service Center the moment you receive orders.
Important: You must visit the Housing Service Center when you arrive, even if you plan to live off base, to receive counseling and guidance.
| Location | Address | Phone |
|---|---|---|
| Housing Service Center – Bangor | 2720 Ohio St., Building 2720, Silverdale, WA 98315 | (360) 396-4399 |
| Housing Service Center – Bremerton | 120 S. Dewey, Bremerton, WA | (360) 476-1002 |
| West Sound Family Housing (Hunt) | 4168 Greenfish Drive, Silverdale, WA 98315 | (360) 598-5831 |
| General Housing Info (toll-free) | — | 1-800-876-7022 |
| On-Base Housing Applications | — | (360) 627-4024 |
| Neighborhood | Area | Character / Highlights |
|---|---|---|
| Bangor Valley / Bangor Valley II | Bangor | Newly built; 3–4 bedroom options; gas ranges, washer/dryer hookups, large yards; walking distance to base facilities; playgrounds, walking paths, beaches |
| Bangor Creek | Bangor | Walking distance to most Bangor base facilities; good community feel |
| Bremerton (waterfront neighborhood) | Bremerton | Waterfront parks and 300 miles of shoreline; range of homes 1,200–7,500 sq ft; pet-friendly |
| Keyport | Keyport | Smaller, rural feel; playgrounds, beach access, walkways; ferry access to Seattle’s downtown |
| Jackson Park | Between Bremerton and Bangor | Large housing area; serves both sides of NBK; no bus service to base from Jackson Park |
| Meredith Heights | Off-base RPP | Highly rated by military families; popular choice; excellent access to Silverdale amenities |
| Freestone | Off-base RPP | Top-rated among military community members; newer construction; family-friendly |
Most NBK families live off-post. The Kitsap Peninsula offers a wide range of communities depending on which installation you’re assigned to, your school priorities, and your budget.
| Community | Nearest Installation | Character | Best For |
|---|---|---|---|
| Silverdale | NBK–Bangor (~5–10 min) | Main commercial hub of North Kitsap; shopping, restaurants, Kitsap Mall, newer housing developments | Families wanting city conveniences with short Bangor commute; excellent Central Kitsap schools |
| Poulsbo (“Little Norway”) | NBK–Bangor (~10–15 min) | Scandinavian-themed downtown on Liberty Bay; charming, arts-focused, community events year-round | Families who value community character, walkable waterfront, North Kitsap schools |
| Bremerton (off-base) | NBK–Bremerton (~5 min) | Urban waterfront city; dining, arts, ferry terminal; significant ongoing revitalization; most affordable rents near base | Single sailors, junior enlisted; families working at shipyard or Bremerton side |
| Port Orchard | NBK–Bremerton (~15–20 min via ferry or bridge) | Small waterfront city across from Bremerton; affordable; family neighborhoods; South Kitsap schools | Budget-conscious families; strong military community |
| Gig Harbor | NBK–Bremerton (~25–30 min via Narrows Bridge) | Affluent waterfront community; upscale dining, marinas, excellent schools | Senior enlisted and officers prioritizing school quality and community character |
| Kingston | NBK–Bangor (~20–25 min) | Small waterfront community with ferry to Edmonds; laid-back, rural-ish feel | Families wanting quiet living; spouses commuting to Seattle via ferry |
Cost of living reality: Housing in the Kitsap area is above the national average, though significantly more affordable than Seattle proper. Median home prices in Kitsap County have historically run in the $400,000–$500,000 range, with rentals for a 3-bedroom home typically ranging $1,800–$2,800/month depending on location and condition. Your BAH is set for this market — it will cover a reasonable off-base rental in most communities. Washington State has no income tax, which partially offsets the higher housing costs.
NBK falls under the Bremerton Military Housing Area (MHA WA306). For 2026, BAH rates increased 2.5% from 2025. Service members with dependents receive 20.5% more BAH than those without. NBK–Bremerton ranks 28th highest among all Navy bases for BAH. Use the official DTMO BAH Calculator with your specific duty station ZIP code to confirm your exact rate. For a full guide, see our 2026 BAH rates guide.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 through E-4 | $2,265/mo | $1,974/mo |
| E-5 | $2,364/mo | $2,091/mo |
| E-6 | $2,730/mo | $2,169/mo |
| E-7 | $2,844/mo | $2,265/mo |
| E-8 | $2,967/mo | $2,442/mo |
| E-9 | $3,105/mo | $2,547/mo |
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| W-1 | $2,751/mo | $2,244/mo |
| W-2 | $2,895/mo | $2,439/mo |
| W-3 | $3,048/mo | $2,562/mo |
| W-4 | $3,126/mo | $2,754/mo |
| W-5 | $3,228/mo | $2,871/mo |
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| O-1 | $2,415/mo | $2,163/mo |
| O-2 | $2,727/mo | $2,337/mo |
| O-3 | $3,045/mo | $2,595/mo |
| O-4 | $3,258/mo | $2,847/mo |
| O-5 | $3,411/mo | $2,913/mo |
| O-6 | $3,438/mo | $3,027/mo |
| O-7 | $3,462/mo | $3,078/mo |
NBK is served by a full-service military hospital — Naval Hospital Bremerton (NHB) — which provides comprehensive inpatient and outpatient care for active duty, family members, and retirees in the region. This is one of the most complete military medical facilities on the West Coast. There is also a branch health clinic at Bangor for personnel and families on the north end of the peninsula.
| Facility | Address | Phone | Hours / Notes |
|---|---|---|---|
| Naval Hospital Bremerton (NHB) | 1 Boone Road, Bremerton, WA 98312 | (360) 475-4000 or 1-800-422-1383 | Full-service hospital; inpatient, surgical, ER, specialty care; Mon–Fri 8am–4pm primary care; ER open daily |
| NHB Branch Health Clinic Bangor | 2050 Barb St., Suite A, Silverdale, WA 98315 | (360) 315-4391 | Primary care and acute care for Bangor-area personnel; Mon–Fri 0730–1530 |
| TRICARE Appointment Line | — | (800) 404-4506 | Schedule appointments at NHB or affiliated providers |
| TRICARE Nurse Advice Line (24/7) | — | 1-800-TRICARE (874-2273), option 1 | Available 24 hours / 7 days |
| Naval Hospital Bremerton Website | — | bremerton.tricare.mil | Appointments, referrals, clinic directories |
There are no DoDEA schools at NBK. School attendance is determined entirely by your residential address — which means the neighborhood you choose directly determines which school district your children attend. Washington State ranks among the top states for education quality nationally, and all three primary districts serving NBK are considered solid.
School Liaison Officer (SLO): (360) 396-5139 — Located at NBK, this is your first call for enrollment questions, records transfer, district boundary verification, and EFMP school coordination. For full school district listings, visit kitsap.navylifepnw.com.
| If You Live In / At | School District | Phone | Website |
|---|---|---|---|
| NBK–Bremerton on-base housing | Bremerton School District | (360) 473-1000 | bremertonschools.org |
| NBK–Bangor on-base housing (most areas) | Central Kitsap School District | (360) 662-1610 | ckschools.org |
| NBK–Bangor (some areas) / Jackson Park / Poulsbo area | Central Kitsap or North Kitsap | CK: (360) 662-1610 / NK: (360) 396-3001 | nkschools.org |
| NUWC Keyport / Kingston area | North Kitsap School District | (360) 396-3001 | nkschools.org |
| Port Orchard / South Kitsap | South Kitsap School District | (360) 874-7000 | skschools.org |
Note on bus service: Bus transportation is provided from base to Bremerton School District schools. There is no bus service from Jackson Park housing or Bangor base itself — families in those areas arrange their own transportation. Confirm bus availability with your specific school district before finalizing your housing decision.
| Facility | Location | Programs |
|---|---|---|
| Kitsap Jackson Park–Bremerton CDC | Jackson Park / Bremerton area | Full-day care: infant, pre-toddler, toddler, preschool |
| Kitsap Bangor CDC | Bangor area | Full-day care: infant, pre-toddler, toddler, preschool |
| Kitsap Jackson Park–Bremerton School Age Care | Jackson Park / Bremerton area | School Year Care and Summer Camp for school-aged children |
| Kitsap Bangor Litehouse School Age Care | Bangor area | School Year Care and Summer Camp for school-aged children |
CDC waitlists at NBK can be significant — register at MilitaryChildCare.com as soon as you have orders. Do not wait until you’ve arrived.
Both Bremerton and Bangor have full facility packages. Keyport has more limited amenities given its smaller size.
| Facility / Service | Phone | Notes |
|---|---|---|
| Base Operator (Bremerton) | (360) 476-2111 | General Bremerton inquiries |
| Base Operator (Bangor) | (360) 396-6111 | General Bangor inquiries |
| Commissary – Bangor | (360) 396-6025 | 2604 Ohio Street, Silverdale, WA 98315 | Tue–Fri 10am–7pm, Sat–Sun 10am–6pm, closed Mon and holidays |
| Commissary – Bremerton | (360) 405-1971 | 120 S. Dewey, Building 990, Bremerton | Mon, Wed–Sun 10am–7pm |
| Navy Exchange (NEX) – Bremerton | (360) 478-5570 | Main store on NBK–Bremerton side |
| Fleet & Family Support Center | (360) 396-5469 / (360) 475-4205 | Relocation assistance, financial readiness, employment, deployment support; also 1-866-854-0638 |
| Navy–Marine Corps Relief Society – Bangor | (360) 396-6704 | Emergency financial assistance, interest-free loans, grants |
| Navy–Marine Corps Relief Society – Bremerton | (360) 377-0602 | Emergency financial assistance, interest-free loans, grants |
| PSD – Bremerton (ID Cards) | (360) 396-5660 | 120 S. Dewey, Bldg. 1013, Bremerton, WA 98314 |
| ID/CAC – Bangor | (360) 396-5731 | ID card processing for Bangor personnel |
| Vehicle Registration – Bremerton | (360) 476-4882 | Pass and ID Office for Bremerton-area vehicle registration |
| Vehicle Registration – Bangor | (360) 396-4665 | Visitor Base Control Center |
| Navy Gateway Inn & Suites – Bremerton (Lodging) | (360) 824-3337 | TDY/PCS temporary lodging; book early during summer |
| Navy Gateway Inn & Suites – Silverdale (Lodging) | (360) 930-6830 | TDY/PCS temporary lodging near Bangor |
| TRICARE / Health Net | (844) 866-9378 | TRICARE West Region (Health Net Federal Services) |
| SARP (Substance Abuse Rehabilitation) | (360) 475-5350 | Behavioral health and substance abuse support |
| FFR Programs (general) | (360) 396-4081 | MWR, recreation, fitness, childcare, dining; kitsap.navylifepnw.com |
Both Bremerton and Bangor have a full MWR package. Highlights include:
Use our PCS Binder and Checklist to track every step of your NBK move, and see our DITY/PPM guide if you’re considering a personally procured move.
Kitsap County’s job market is anchored by the federal government and military — Puget Sound Naval Shipyard is itself a massive civilian employer with thousands of positions. The broader economy includes defense contracting, healthcare, technology, education, and maritime industries. Remote work is common among NBK military spouses, and the Seattle tech corridor (across the Sound) is accessible for those willing to use the ferry.
The Fleet and Family Support Center at (360) 396-5469 offers career counseling, resume assistance, networking events, and access to the SECO (Spouse Education and Career Opportunities) program. Washington State also has strong license reciprocity protections for military spouses in licensed professions. Check USAJobs.gov for federal positions at PSNS and other Kitsap federal agencies.
The Pacific Northwest rewards exploration. Families who embrace the outdoors — even in the rain — consistently rate this as one of the best quality-of-life assignments in the Navy.
Naval Base Kitsap is the third-largest naval installation in the United States, located on the Kitsap Peninsula in Washington State. It was formed in 2004 by merging Naval Station Bremerton with Naval Submarine Base Bangor. NBK supports fleet ballistic missile submarines (Ohio-class Trident), surface ship maintenance, aircraft carrier dry dock, nuclear weapons storage, and over 70 tenant commands. It is home to one of four U.S. Navy nuclear shipyards and is the largest employer in Kitsap County with 15,000+ active duty personnel.
NBK falls under the Bremerton Military Housing Area (MHA WA306). BAH rates increased 2.5% in 2026. Enlisted rates range from $1,974/month (E-1 to E-4 without dependents) to $3,105/month (E-9 with dependents). Officer rates go up to $3,462/month for O-7 with dependents. Service members with dependents receive 20.5% more than those without. Use the DTMO BAH Calculator with your specific duty station ZIP code to confirm your exact rate.
They are two distinct areas of the same installation with different missions and locations. NBK–Bremerton (including Puget Sound Naval Shipyard) is in the city of Bremerton and focused on surface ship maintenance and the aircraft carrier dry dock. NBK–Bangor is north on the peninsula near Silverdale and is home to fleet ballistic missile submarines and the Trident nuclear program. Your orders will specify which area you’re reporting to, and that determines your housing search area, school district, and daily commute.
Washington State Ferries runs multiple routes in the Puget Sound area. The Bremerton–Seattle ferry takes about 60 minutes. For Bangor-area families, the Kingston–Edmonds ferry (30 minutes) connects to the north Seattle corridor. Ferries run on fixed schedules (roughly hourly during peak times) and can fill during commute hours in summer — plan ahead. For families where only the service member works on base, ferries are primarily a weekend adventure to Seattle. For families with a spouse commuting to Seattle for work, the ferry becomes a daily logistics exercise — research schedules and costs at wsdot.wa.gov/ferries/ before choosing your neighborhood.
There are no DoDEA schools at NBK. School attendance is based entirely on your home address. NBK–Bremerton on-base residents attend Bremerton School District (360-473-1000). NBK–Bangor residents generally attend Central Kitsap School District (360-662-1610) or North Kitsap School District (360-396-3001) depending on their specific address. Jackson Park housing residents may fall under Bremerton or Central Kitsap. NUWC Keyport residents attend North Kitsap. Contact the School Liaison Officer at (360) 396-5139 to confirm your specific school zone before finalizing housing. Bus service is available from base to Bremerton schools, but not from Jackson Park or Bangor base itself.
On-base housing is privatized and managed by Hunt Military Communities — West Sound Family Housing at (360) 598-5831. There are ten neighborhoods across Bremerton, Bangor, and Keyport. Highlights include Bangor Valley/Bangor Valley II (newly built, 3–4 bedrooms, large yards), Bangor Creek (walkable to base facilities), and Bremerton waterfront neighborhoods (300 miles of shoreline access). The Rental Partnership Program (RPP) also connects families with off-base landlords near base. Contact the Housing Service Center at (360) 396-4399 (Bangor) or 1-800-876-7022 (general) as soon as you receive orders.
Naval Hospital Bremerton (1 Boone Road, Bremerton, WA 98312) provides full-service inpatient and outpatient care including emergency services, surgery, and specialty clinics. Appointments: (360) 475-4000 or 1-800-422-1383. A branch health clinic at Bangor (2050 Barb St., Suite A, Silverdale — (360) 315-4391) serves Bangor-area personnel for primary and acute care Monday through Friday. For the TRICARE appointment line, call (800) 404-4506. The 24/7 Nurse Advice Line is 1-800-TRICARE (874-2273), option 1.
No. Washington State has no state income tax at all — this applies to all income including military pay. Combined with NBK’s competitive BAH rates, this is a meaningful financial benefit for families stationed here. The absence of state income tax partially offsets the region’s higher cost of living.
The Kitsap Peninsula has a classic Pacific Northwest maritime climate — mild year-round, famously cloudy and rainy from October through May, and genuinely beautiful from June through September. Winters are cool (lows in the 30s–40s°F) but rarely freeze hard. Summer highs rarely exceed 80–85°F and are often sunny and spectacular. Snow is occasional and typically doesn’t last long at sea level. The key adjustment for most families is the nine months of overcast skies — vitamin D supplements and strong outdoor habits are common recommendations from families who thrive here. Washingtonians genuinely say “there’s no bad weather, just bad clothing” — and they mean it.
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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