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 Weapons Station Yorktown? You landed one of the best-kept secrets on the East Coast. Tucked between Colonial Williamsburg and the York River, NWS Yorktown offers four seasons, top-ranked schools, a rich military community, and some of the most historically significant real estate you’ll ever call home. Before you make any housing decisions, start your free PCS Plan and join the Yorktown PCS Pay It Forward® group — families there right now will answer your specific questions fast. This guide covers everything you need: BAH rates, housing, neighborhoods, schools, medical, and the honest intel most guides skip.
| Fast Facts: NWS Yorktown | |
|---|---|
| Branch | United States Navy |
| Official Name | Naval Weapons Station (WPNSTA) Yorktown |
| Location | York County, Virginia — Virginia’s Historic Triangle |
| Installation Size | 108.5 square miles (includes Cheatham Annex) |
| Mission | Ordnance logistics, storage, and distribution for the Atlantic Fleet |
| Tenant Commands | 25+, including Navy Munitions Command and Marine Corps 2nd Fleet Antiterrorism Security Team |
| Base Operator | (757) 887-4000 | DSN 312-953-4000 |
| Quarterdeck | (757) 887-4125 |
| Visitor Control Center | 2019 Longfellow Rd — (757) 887-7338 / 7339 |
| Official Website | cnrma.cnic.navy.mil |
| Nearest Airport | Newport News/Williamsburg International (PHF) — ~25 min; Norfolk International (ORF) — ~40 min |
NWS Yorktown falls under the Virginia Beach–Norfolk–Newport News Military Housing Area. For 2026, BAH at NWS Yorktown increased 6.4% from 2025 — well above the national average increase of 4.2%. That’s meaningful buying power. Use the official DoD BAH Calculator to verify your exact rate, and see our 2026 BAH rates guide for a full breakdown of how to maximize your housing allowance at this duty station.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 | $2,082 | $1,599 |
| E-2 | $2,082 | $1,599 |
| E-3 | $2,082 | $1,599 |
| E-4 | $2,082 | $1,599 |
| E-5 | $2,274 | $1,779 |
| E-6 | $2,421 | $1,905 |
| E-7 | $2,439 | $2,088 |
| E-8 | $2,457 | $2,310 |
| E-9 | $2,571 | $2,343 |
| W-1 | $2,436 | $2,022 |
| W-2 | $2,445 | $2,307 |
| W-3 | $2,478 | $2,349 |
| W-4 | $2,610 | $2,415 |
| W-5 | $2,778 | $2,439 |
| O-1 | $2,301 | $1,884 |
| O-2 | $2,418 | $2,214 |
| O-3 | $2,475 | $2,361 |
| O-4 | $2,835 | $2,427 |
| O-5 | $3,099 | $2,442 |
| O-6 | $3,123 | $2,451 |
BAH and buying power: The Hampton Roads market offers real opportunity for military homebuyers. With no down payment required on a VA loan and a 6.4% BAH increase in 2026, your housing allowance goes further here than it did last year. If you’re considering buying, connect with a VA loan specialist before you sign a lease — you may be surprised what your BAH qualifies you for in Yorktown or Williamsburg.
On-base family housing is privatized and managed by Liberty Military Housing (formerly Lincoln Military Housing). There are four named neighborhoods on the installation, assigned by pay grade. All homes are pet-friendly, and average utility costs are included in your monthly rent — no separate utility bills on top of BAH.
| Neighborhood | Eligible Ranks | Home Types |
|---|---|---|
| Mason Row | O-4 through O-6 | Single-family and duplex homes |
| Kiskiak Village | E-1 through W-3 | Single-family and duplex homes |
| Covenant Trace | E-1 through E-9 | 2–4 bedroom single-family and duplex |
| Hamilton Redoubt | E-1 through E-9 | 2–4 bedroom single-family and duplex |
Community amenities include playgrounds, community centers, dog parks, pools, and access to 24/7 maintenance. There are no credit checks and no out-of-pocket expenses when you live on base.
| Housing Contact | Address | Phone | Hours |
|---|---|---|---|
| Liberty Military Housing (Leasing) | 2099 Von Steuben Drive, Newport News, VA 23603 | (757) 369-5016 | Mon–Fri, 8am–5pm |
| Navy Housing Service Center (HSC) | On installation | (757) 847-7806 | Business hours |
Important: Contact the Housing Service Center (HSC) at (757) 847-7806 for the most current waitlist and availability information before making any off-base housing commitments. The HSC is your advocate — if issues arise with Liberty, go through the HSC. A valid CAC card is required for base access, and cell phones are prohibited while driving on the installation.
Unaccompanied Housing (UH) is available on WPNSTA Yorktown for approximately 314 personnel across two buildings. Building 2075 is the check-in point. Linens are provided at check-in, and facilities include TV lounges, washers/dryers, vending machines, and nearby recreational, fitness, and dining options.
The Navy Nelson House provides Visitor Enlisted Quarters (VEQ) and Visitor Officer Quarters (VOQ) for TDY and PCS personnel. Make reservations by calling (877) 628-9233.
NWS Yorktown’s location is genuinely one of its strongest selling points. The base sits between Williamsburg and Newport News, giving families real choices depending on lifestyle priorities — quiet historic neighborhoods, busy suburban living, or something in between. The Yorktown PCS Pay It Forward® group is the best place to get real, current opinions from families in each area.
| Area | Drive to Gate | Best For | Approx. Rent Range | Approx. Home Prices |
|---|---|---|---|---|
| Yorktown / York County | 5–15 min | Top-rated schools, quiet, small-town feel, waterfront access | $1,800–$2,600/mo | $350,000–$550,000 |
| Williamsburg / James City County | 15–25 min | Historic charm, strong schools, more dining/shopping | $1,700–$2,500/mo | $325,000–$600,000 |
| Newport News | 15–25 min | More home for the money, busier lifestyle, more inventory | $1,400–$2,200/mo | $250,000–$430,000 |
| Hampton | 30–40 min | Budget-friendly, near JBL Eustis and Hampton VA Medical Center | $1,300–$2,000/mo | $220,000–$380,000 |
The HSC maintains a current database of off-base rental properties that have been inspected for suitability — ask them for referrals before hitting Zillow. They also offer lease reviews, move-in/move-out inspections, and issue resolution support. For those ready to buy, the VA loan benefit is powerful in this market — no down payment, no PMI, and your BAH can cover a solid mortgage payment. Start with our VA home loan guide and see what your 2026 buying power looks like.
This is where Yorktown truly separates itself from most duty stations. Your school assignment depends on where you live, as three different school divisions serve the NWS Yorktown area. For military families in York County specifically, the schools are exceptional — all 14 York County elementary and middle schools rank in the top 12% of public schools in Virginia, according to U.S. News & World Reports.
York County School Division (YCSD) is consistently among Virginia’s highest-rated public school systems. The division serves approximately 1,100 employees and has earned national recognition for music education (named a “Best Community for Music Education” four consecutive years). NJROTC programs at both Tabb High and York High have repeatedly earned Distinguished Unit with Honors awards.
| Contact | Details |
|---|---|
| York County School Division | 302 Dare Road, Yorktown, VA 23692 | (757) 898-0300 | yorkcountyschools.org |
| York High School | 9–12 | Yorktown | (757) 898-0420 |
| Tabb High School | 9–12 | Yorktown | (757) 898-0440 |
| Yorktown Middle School | 6–8 | Yorktown | (757) 898-0360 |
| Tabb Middle School | 6–8 | Yorktown | (757) 898-0380 |
| School Liaison Office (NWS) | (757) 887-4912 — for questions about school enrollment, transfers, and records |
| Division | Serves | Contact |
|---|---|---|
| Williamsburg-James City County Schools | Williamsburg / JCC off-base families | wjccschools.org | (757) 603-6400 |
| Newport News City Public Schools | Families living in Newport News | sbo.nn.k12.va.us | (757) 591-4500 |
School pro tip: Your school district is determined by your home address, not the installation. Before signing a lease or closing on a home, confirm the school zone with the School Liaison at (757) 887-4912 — especially if attending York County schools is a priority for your family. For families with special-needs students, contact the School Liaison early in the PCS process to coordinate EFMP and IEP transitions.
NWS Yorktown has an on-base Branch Health Clinic that provides primary care and most outpatient needs through TRICARE East. This is not a full hospital — it does not provide emergency services. For emergencies, proceed to the nearest civilian emergency room (Riverside Regional Medical Center in Newport News is the closest major option).
| Facility | Phone | Notes |
|---|---|---|
| Branch Health Clinic Yorktown | (757) 888-5000 | Primary care, preventive care, outpatient; NO emergency services |
| Child Development Center (CDC) | Via MCCS/Navy Life | Full-day, part-day, and hourly care; school-year programs available |
| ID Card Office | (757) 887-7702 | Appointments via RAPIDS |
For specialty care and complex medical needs, TRICARE East network referrals typically go to Naval Medical Center Portsmouth or civilian providers in the Hampton Roads network. For TRICARE enrollment, network questions, and referrals, visit tricare.mil.
| Facility | Details / Hours |
|---|---|
| Commissary | 140 Main Road, Yorktown, VA 23691 | Mon–Sat 9am–6pm |
| Navy Exchange (NEX) | On base — retail, dining, services |
| Fitness Center | On base; multiple facilities |
| Child Development Center | Full-day and part-day care for infants through pre-K |
| Youth Center | After-school programs, camps, teen programs |
| Chapel | Protestant and Catholic services; counseling available |
| MWR Programs | Seasonal events, sports leagues, outdoor recreation, movie nights |
| Navy Nelson House (Lodging) | VEQ/VOQ | (877) 628-9233 |
| Post Office | On base |
| Legal Services | Available through Fleet and Family Support Center |
For current MWR schedules, recreation programming, and event calendars, check with the Navy Life Mid-Atlantic portal. The Fleet and Family Support Center (FFSC) is your go-to for transition assistance, financial counseling, employment support, deployment readiness, and spouse programs — ask at the Quarterdeck for the current location and contact.
NWS Yorktown sits at the heart of one of America’s most historically significant regions. Your backyard includes the battlefields of Yorktown (where the Revolution effectively ended), the living history of Colonial Williamsburg, and the original settlement at Jamestown. For families who prioritize both quality of life and educational experiences, it’s hard to beat.
| Attraction | Distance from Base | Military Benefit |
|---|---|---|
| Colonial Williamsburg | ~15 min | Military discounts available; immersive living history experience |
| Busch Gardens Williamsburg | ~15 min | Military discounts and promotional tickets through MWR |
| Water Country USA | ~15 min | Military discounts; great for families in summer |
| Yorktown Riverwalk Landing | ~5 min | Free waterfront access; farmers market, live music, dining |
| Virginia Air & Space Center | ~25 min (Hampton) | IMAX theater; military discounts |
| Jamestown Settlement & Historic Jamestowne | ~20 min | Free entry to the National Park for active duty and families |
| Virginia Beach Oceanfront | ~50 min | Large military community; abundant military discounts |
| Richmond, VA | ~1 hr | Arts, dining, sports (Richmond Flying Squirrels), day trip destination |
| Washington, D.C. | ~2.5–3 hrs | Free Smithsonian museums; national monuments |
| Shenandoah National Park | ~2.5 hrs | Free entry for active duty and families; stunning Blue Ridge hiking |
One thing families love about Yorktown specifically: the waterfront. The Riverwalk Landing along the York River hosts weekend live music, local farmers markets, and community festivals year-round — and it’s a short drive from base. It’s the kind of small-town community gathering that military families often miss at larger installations.
Virginia’s Historic Triangle gets four distinct seasons, which is a genuine selling point for families coming from extreme climates (think: Yuma, 29 Palms, or Anchorage). Summers are warm and humid (highs 85–90°F), winters are mild with occasional snow (highs 40–55°F, lows can dip to the 20s), and spring and fall are spectacular. Hurricane season (June–November) is worth monitoring given the coastal location — WPNSTA maintains an emergency preparedness plan and you should familiarize yourself with it on arrival.
Yorktown and the surrounding Historic Triangle are more affordable than the Norfolk/Virginia Beach urban core, but not as cheap as some rural Virginia duty stations. The 6.4% BAH increase in 2026 meaningfully closes the gap between your allowance and actual market rents in most neighborhoods. York County and Williamsburg tend to run slightly higher in home prices due to school quality and desirability; Newport News offers more inventory at lower price points.
| Expense | Estimated Range (2026) | Notes |
|---|---|---|
| 2BR Rent (Yorktown/WBG) | $1,700–$2,400/mo | BAH covers most options for E-5 and above |
| 3BR Rent (Newport News) | $1,500–$2,200/mo | Strong inventory; more competition from other military |
| Median Home Price (York County) | $380,000–$500,000 | Top school district drives premium; stable appreciation |
| Median Home Price (Newport News) | $280,000–$400,000 | More entry-level inventory; good for first-time VA loan buyers |
| HUD Fair Market Rent (2BR, Hampton Roads) | ~$1,696/mo | DoD benchmark; asking rents vary by neighborhood and condition |
| Groceries / Gas | Near national average | Commissary savings meaningful for large families |
If you’re buying, the Hampton Roads market is historically steady — not a boom-bust market like some coastal cities. Military families buy here and sell well when PCS orders come. Our VA home loan page connects you with lenders who specialize in the Hampton Roads military market and know the contract contingencies that protect you during a PCS cycle. Also worth reading: our PCS tax write-offs guide and our DITY/PPM move guide to maximize your moving budget.
When arriving via Interstate 64, take Exit 247. Heading east on I-64, turn left at the bottom of the ramp onto Route 143 (Jefferson Avenue) and proceed to Gate 3 at Longfellow Road. Heading west on I-64, turn right onto Yorktown Road, left at the first light onto Route 143, then right onto Longfellow Road into Gate 3. If reporting to a tenant command, go directly to Gate 3 and ask security personnel for directions.
Upon arrival, report immediately to your command’s duty officer and your sponsor. Personnel flying into the area should use Newport News/Williamsburg International Airport (PHF) at (757) 877-0221 or Norfolk International Airport (ORF) at (757) 857-3351 — arrange transportation with your sponsor in advance. Contact the HSC at (757) 847-7806 before committing to any housing. The PCS binder checklist and your PCS Plan can help you stay organized through the first 30 days.
One of NWS Yorktown’s best-kept secrets is its proximity to the largest concentration of military installations in the world. This matters for dual-military couples, reserve/guard members with obligations elsewhere, and families planning the next PCS.
| Installation | Branch | Drive from NWS Yorktown |
|---|---|---|
| Joint Base Langley-Eustis | Air Force / Army | ~20 min |
| Coast Guard Training Center Yorktown | Coast Guard | ~10 min |
| Naval Station Norfolk | Navy | ~45 min |
| Joint Expeditionary Base Little Creek-Fort Story | Navy | ~50 min |
| Naval Air Station Oceana | Navy | ~50 min |
| Norfolk Naval Shipyard (Portsmouth) | Navy | ~50 min |
Together, these installations support approximately 85,000 joint-force military personnel, 120,000+ family members, and over 68,000 retirees — making the Hampton Roads region one of the most military-saturated communities in the country. That means military discounts are widespread, community understanding of service life runs deep, and the support network around you is exceptional. Check out our base guide directory to research other installations in the region, and explore the full PCS Toolkit as you plan your move.
Naval Weapons Station (WPNSTA) Yorktown is a U.S. Navy installation in York County, Virginia, serving as one of the primary ordnance storage and distribution facilities for the Atlantic Fleet. It covers 108.5 square miles including Cheatham Annex and hosts 25+ tenant commands across multiple branches. While it is a Navy installation, service members from several branches serve there. The base operator is (757) 887-4000.
NWS Yorktown BAH increased 6.4% for 2026 — one of the stronger increases in the Hampton Roads region. Rates range from $1,599/month (E-1 without dependents) to $3,123/month (O-6 with dependents). Use the DoD BAH Calculator to verify your exact rate, and see the full table above or our 2026 BAH rates guide.
There are four on-base neighborhoods managed by Liberty Military Housing: Mason Row (O-4 through O-6), Kiskiak Village (E-1 through W-3), Covenant Trace (E-1 through E-9), and Hamilton Redoubt (E-1 through E-9). All are pet-friendly and include average utilities in the rent. Contact Liberty at (757) 369-5016 or the Housing Service Center at (757) 847-7806 for current availability and waitlist times.
School assignment depends on your home address. Families living on base or in York County typically attend York County School Division — consistently ranked among Virginia’s best, with all 14 elementary and middle schools in the top 12% statewide. Families in Williamsburg/James City County attend Williamsburg-James City County Schools; those in Newport News attend Newport News City Public Schools. Call the School Liaison at (757) 887-4912 to confirm your specific zone and coordinate enrollment paperwork.
There is a Branch Health Clinic on base providing primary and preventive outpatient care through TRICARE East — but it does not have emergency services. For emergencies, go to the nearest civilian ER, with Riverside Regional Medical Center in Newport News being the closest major facility. Specialty care and referrals typically route to Naval Medical Center Portsmouth. Reach the clinic at (757) 888-5000.
Yorktown and York County offer the best schools and a quiet, historic feel with 5–15 minute commutes; home prices run $350,000–$550,000. Williamsburg is great for families who want more dining, shopping, and historic charm at 15–25 minutes out. Newport News provides more home inventory for the dollar (from $250,000) and a 15–25 minute commute. Hampton is the most budget-friendly option at 30–40 minutes. The Housing Service Center at (757) 847-7806 maintains an inspected rental property database — use it. And ask real families in the Yorktown PCS Pay It Forward® group for current intel.
For many families, absolutely. The Hampton Roads market is historically stable, VA loan demand is high here and lenders know the process well, and the 6.4% BAH increase in 2026 improves your mortgage-to-BAH coverage ratio. York County homes hold value well due to the school system. Newport News offers more entry-level opportunities for first-time VA loan buyers. With no down payment and no PMI required on a VA loan, buying here is worth a serious look — start at our VA home loan page to connect with a Hampton Roads specialist.
From the east on I-64: Take Exit 247, turn left at the bottom of the ramp onto Route 143 (Jefferson Avenue), proceed to the first stoplight, and continue to Gate 3 on Longfellow Road. From the west on I-64: Take Exit 247, turn right onto Yorktown Road, left at the first light onto Route 143, then right onto Longfellow Road into Gate 3. If reporting to a tenant command, proceed directly to Gate 3 and security personnel will direct you. The Visitor Control Center at 2019 Longfellow Road handles civilian visitor processing at (757) 887-7338.
The Navy Nelson House provides both Visitor Enlisted Quarters (VEQ) and Visitor Officer Quarters (VOQ) for TDY and PCS personnel. Book early — temporary lodging at NWS fills up quickly during peak PCS season (May through August). Call (877) 628-9233 to make a reservation. If the Nelson House is full, the HSC at (757) 847-7806 can refer you to approved off-base options in the area.
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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