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 Whidbey Island put you on the largest island in Washington State — 90 miles north of Seattle, surrounded by the Puget Sound, the Cascade Mountains to the east, and the Olympic Mountains to the west. NASWI is home to the EA-18G Growler electronic attack community, P-8A Poseidon maritime patrol squadrons, and over 50 tenant commands. Nearly 10,000 people live and work on the installation. The lifestyle here is genuinely special: small-town Pacific Northwest with mountain views, outstanding outdoor recreation, and a military community that looks out for each other. The housing market is tight and requires real advance planning — start your research now at PCS PLAN and connect with the NAS Whidbey Island PCS Pay-It-Forward® group for real talk from families already on the island.
NAS Whidbey Island has been in continuous operation since 1942. Today it is one of three installations forming Navy Region Northwest’s third-largest fleet concentration area in the continental United States. The base is divided into two sites five miles apart on Whidbey Island, and understanding both helps before you search for housing.
| Detail | Info |
|---|---|
| Official Name | Naval Air Station Whidbey Island (NASWI) |
| Branch | U.S. Navy / Navy Region Northwest |
| Location | Oak Harbor, Island County, Washington |
| Size | 168+ square miles |
| Established | 1942 |
| Personnel & Dependents | ~10,000 living and working on base |
| Tenant Commands | 50+, including 17 squadrons |
| ZIP Code | 98278 (Ault Field) / 98277 (Seaplane Base) |
| Base Operator | (360) 257-6289 / (360) 257-2211 |
| Official Website | cnrnw.cnic.navy.mil — NAS Whidbey Island |
| Fleet & Family Readiness | whidbey.navylifepnw.com |
| Site | What’s There | Notes |
|---|---|---|
| Ault Field | Main airfield; EA-18G Growler and P-8A Poseidon squadrons; Housing Services Center; Fleet & Family Support Center; most administrative services | Where most personnel report; Ault Field gate is the primary daily access point |
| Seaplane Base | Main Navy Exchange; Commissary; primary family housing areas (Maylor Point, Forbes Point); Navy Gateway Inn & Suites; Naval Health Clinic Oak Harbor | 5 miles from Ault Field; most shopping and medical done here; Langley and Saratoga gates serve this area |
| Command / Mission | Notes |
|---|---|
| Electronic Attack Wing, U.S. Pacific Fleet (CVWP) | EA-18G Growler squadrons — electronic warfare; suppression of enemy air defenses; NASWI is the Center of Excellence for Electronic Combat Warfare |
| Patrol and Reconnaissance Wing 10 (CPRW-10) | P-8A Poseidon maritime patrol aircraft; anti-submarine warfare; ISR missions |
| Electronic Attack Weapons School (EAWS) | Training for electronic attack aircrew |
| Marine Aviation Training Support Group (MATSG) | Marine aviation training tenant command |
| Search and Rescue (SAR) | Active SAR unit serving the Puget Sound region |
Whidbey Island is connected to the mainland by two ways: the Deception Pass Bridge (State Route 20) on the north end, and the Mukilteo–Clinton ferry on the south end. Your daily commute route depends heavily on where you live — both on and off island.
| Destination | Route | Drive / Transit Time |
|---|---|---|
| Oak Harbor (city center) | On island | 5–15 min from base |
| Anacortes, WA | North via SR-20, over Deception Pass Bridge | ~20–25 min from Ault Field |
| Burlington / Mount Vernon | North via SR-20, over Deception Pass Bridge + SR-20 | ~35–45 min |
| Everett, WA | South via Clinton ferry + drive, or north route via bridge + I-5 | ~60–75 min (north route); ferry adds 20 min crossing |
| Seattle, WA | South ferry route or north via bridge + I-5 | ~90–120 min depending on route and traffic |
| Mukilteo–Clinton Ferry | South end of island | 20-min ferry crossing; runs frequently |
| Seattle–Anacortes (San Juan ferry) | Anacortes terminal, ~20 min from base | Ferries to San Juan Islands depart from here |
The housing market reality on Whidbey Island: The off-base rental market on the island has been consistently tight for years. Property managers report near-zero vacancy during PCS season, and landlords can be selective — requiring 3x income verification, 640+ credit scores, and up to 3 months deposit. This is not universal, but families who wait until they have orders in hand and then start looking have been caught off guard. Start researching and reaching out before your report date drops.
Housing at NASWI is privatized and managed by Hunt Military Communities (Pacific Northwest). There are 12 on-base neighborhoods totaling over 1,500 units — a mix of single-family homes, duplexes, and apartments. Maylor Point and Forbes Point are the only two neighborhoods physically on the Seaplane Base; all others are on government property adjacent to or just outside the base perimeter. Waitlists apply for most neighborhoods, and availability varies by bedroom entitlement and rank.
You must contact the Housing Services Center before signing any lease or purchase agreement, even if you plan to live off base.
| Office | Address | Phone |
|---|---|---|
| Housing Services Center | 3675 W. Lexington Street, Building 2556, Ault Field, Oak Harbor, WA 98278 | (360) 257-3331 or 1-800-876-7022 |
| Hunt Military Communities (Whidbey Family Housing) | 2205 Egret Drive, Oak Harbor, WA 98277 | (360) 679-4241 |
| Unaccompanied Personnel Housing (UPH) | 1175 W. Midway Street, Building 973, Oak Harbor, WA 98278 | (360) 257-2038 |
E1–E3 and E4 with fewer than 4 years of service are required to live in unaccompanied housing unless married. Contact UPH at (360) 257-2038 when orders drop.
| Neighborhood | Eligible Ranks | Home Type / Size |
|---|---|---|
| Crescent Harbor | E2–E7 | 3–4 bed, 2 bath single-family; 1,080–1,250 sq ft |
| Crescent Harbor II | E6–E7 | 3–4 bed, 2–2.5 bath single-family; 1,722–2,160 sq ft |
| Forbes Point | O5–O6, W2–W5 | 3–4 bed, 2.5 bath single-family; 1,722–2,219 sq ft; on Seaplane Base |
| Maylor Coral | E8–E9, O1 | 3–4 bed, 2–2.5 bath single-family; on Seaplane Base |
| Victory Terrace | Various enlisted | Townhome/duplex style; community amenities |
| Maylor Point | Various officer/senior enlisted | Single-family homes; on Seaplane Base; waterfront proximity |
All 12 neighborhoods offer mountain or shoreline views, professional landscaping, 24-hour emergency maintenance, 35 playgrounds, BBQ areas, community centers, and fitness facilities. Pets are allowed (limit 2, some breed restrictions). Contact Hunt Military Communities at (360) 679-4241 for current availability and waitlist details.
| Community | Distance to Base | Character | Best For |
|---|---|---|---|
| Oak Harbor | ~5–15 min | Main military town; full commercial corridor, schools, dining; most inventory | Most families; largest selection of rentals and for-sale homes near base |
| Coupeville | ~20 min south | Historic island town on Penn Cove; charming, slower pace, Victorian architecture | Families wanting small-town island living away from Oak Harbor bustle |
| Anacortes | ~20–25 min north (over bridge) | Waterfront city, arts scene, ferry terminal to San Juan Islands; more amenities than Oak Harbor | Families who want more city options; spouses with mainland job access |
| Burlington / Mount Vernon | ~35–45 min north | Larger mainland towns; big-box shopping, more housing inventory, lower prices | Families needing more housing options or mainland employment |
| Langley | ~25–30 min south | Small arts community on south Whidbey; galleries, farm-to-table dining, scenic | Families valuing character and quiet over commute convenience |
Important note on the off-base market: The Whidbey Island BAH MHA covers not just the island but also Fidalgo Island (Anacortes), Mount Vernon, Burlington, and Sedro-Woolley — areas within roughly an hour of base. Moving to the mainland can relieve housing pressure significantly. Families living in Burlington or Mount Vernon have more selection, lower prices per square foot, and closer proximity to big-box shopping and larger employers. The tradeoff is daily commute time, especially during winter.
NAS Whidbey Island falls under the Whidbey Island Military Housing Area (MHA WA312), which covers Whidbey Island, Fidalgo Island, Mount Vernon, Burlington, and Sedro-Woolley. BAH rates increased 3.8% from 2025. Service members with dependents receive 25% more BAH than those without. NASWI ranks 27th highest among all Navy bases. Use the official DTMO BAH Calculator (ZIP code 98278 for Ault Field, 98277 for Seaplane Base) to confirm your exact rate. See also our 2026 BAH rates guide.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 through E-4 | $2,013/mo | $1,839/mo |
| E-5 | $2,073/mo | $1,905/mo |
| E-6 | $2,745/mo | $2,058/mo |
| E-7 | $2,877/mo | $2,157/mo |
| E-8 | $3,018/mo | $2,265/mo |
| E-9 | $3,159/mo | $2,412/mo |
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| W-1 | $2,766/mo | $2,076/mo |
| W-2 | $2,934/mo | $2,208/mo |
| W-3 | $3,111/mo | $2,436/mo |
| W-4 | $3,174/mo | $2,772/mo |
| W-5 | $3,258/mo | $2,910/mo |
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| O-1 | $2,157/mo | $1,950/mo |
| O-2 | $2,736/mo | $2,160/mo |
| O-3 | $3,105/mo | $2,499/mo |
| O-4 | $3,279/mo | $2,880/mo |
| O-5 | $3,402/mo | $2,958/mo |
| O-6 | $3,429/mo | $3,090/mo |
| O-7 | $3,453/mo | $3,144/mo |
Medical care at NASWI is provided by the Naval Health Clinic Oak Harbor (NHCOH), a primary care clinic on the installation. NHC Oak Harbor provides outpatient medical, dental, and behavioral health services. For inpatient care, surgery, or complex specialty needs, patients are referred to civilian facilities in the region — Skagit Valley Hospital (Burlington), Whidbey General Hospital (Coupeville), and Harborview Medical Center (Seattle) for major trauma.
| Facility | Address | Phone |
|---|---|---|
| Naval Health Clinic Oak Harbor (NHCOH) | 3475 N. Saratoga St., Building 993, Oak Harbor, WA 98278 | (360) 257-9500 |
| NHCOH Website | — | oakharbor.tricare.mil |
| TRICARE West Region (Health Net) | — | (844) 866-9378 |
| TRICARE Nurse Advice Line (24/7) | — | 1-800-TRICARE (874-2273), option 1 |
| Nearest Civilian ER | WhidbeyHealth (Coupeville): 101 N Main St, Coupeville | Skagit Valley Hospital (Burlington): 1415 E Kincaid St | WhidbeyHealth: (360) 678-5151 | Skagit: (360) 424-4111 |
There are no DoDEA schools at NASWI. All military children attend public schools based on their residential address. Most families at NAS Whidbey Island are served by Oak Harbor Public Schools, which partners closely with the base to support military family transitions.
School Liaison Officer (SLO): (360) 257-6863 — Located at 3675 W. Lexington Street, Building 2556, Oak Harbor, WA 98278. Contact for enrollment, records transfer, inter-district transfer policies, and EFMP school support.
| Where You Live | School District | Phone |
|---|---|---|
| On-base housing / Oak Harbor city | Oak Harbor Public Schools | (360) 279-5000 |
| Coupeville area | Coupeville School District | (360) 678-4522 |
| Anacortes | Anacortes School District | (360) 293-1200 |
| Burlington / Mount Vernon | Burlington-Edison or Mount Vernon School District | BE: (360) 757-3311 | MV: (360) 428-6110 |
| Langley / South Whidbey | South Whidbey School District | (360) 221-6100 |
Oak Harbor Public Schools serves most NASWI families and actively supports military-connected students. The district includes 5 elementary schools, 2 middle schools, and 1 high school (Oak Harbor High), plus a program for alternative learners and cooperative homeschool services. The district partners closely with the base for transition support. Contact the SLO at (360) 257-6863 before finalizing your housing to confirm which school your children will attend.
NASWI has a Child Development Center on base providing full-day care for infants through preschool age. A School Age Care program serves school-aged children. Waitlists are common — register at MilitaryChildCare.com immediately upon receiving orders.
Skagit Valley College has a campus in Oak Harbor (full degrees, certificates, workforce training) and is the primary college option directly in the community. Western Washington University (Bellingham, ~60 miles north) and University of Washington (Seattle, ~90 miles south) are the flagship options for degree completion. The Whidbey area supports a growing remote-education community given the island’s distance from major campuses.
| Facility / Service | Phone | Address / Notes |
|---|---|---|
| Base Operator | (360) 257-6289 or (360) 257-2211 | General base inquiries |
| Housing Services Center | (360) 257-3331 | 3675 W. Lexington Street, Bldg 2556, Ault Field — required stop before any lease or purchase |
| Hunt Military Communities (Family Housing) | (360) 679-4241 | 2205 Egret Drive, Oak Harbor, WA 98277 |
| Unaccompanied Housing (UPH) | (360) 257-2038 | 1175 W. Midway St., Bldg 973, Oak Harbor, WA 98278 |
| Commissary | (360) 257-3318 | 2090 N. Coral Sea Ave., Oak Harbor, WA 98278 (Seaplane Base area) |
| Navy Exchange (NEX) | (360) 257-0600 | 2110 N. Coral Sea Ave., Building 17, Oak Harbor, WA 98278 |
| Fleet & Family Support Center | (360) 257-6289 or 1-866-854-0638 | 3675 W. Lexington Street, Bldg 2556, Ault Field — relocation, financial counseling, employment, deployment support |
| School Liaison Officer | (360) 257-6863 | 3675 W. Lexington Street, Bldg 2556, Oak Harbor, WA 98278 |
| DEERS / ID Cards | (360) 257-6070 | 260 W. Pioneer Way, Building 13, Room 151, Oak Harbor, WA 98278 |
| Naval Health Clinic Oak Harbor | (360) 257-9500 | 3475 N. Saratoga St., Bldg 993 | oakharbor.tricare.mil |
| Navy Gateway Inn & Suites (Lodging) | (360) 257-2311 | On Seaplane Base — TDY/PCS temporary lodging; book early |
| The Convergence Zone (MWR) | See whidbey.navylifepnw.com | Bowling, indoor playground, gaming, toddler play area, resource center, Kegler’s Bar & Grill |
| Gate | Hours | Notes |
|---|---|---|
| Ault Field Main Gate | 24 hours / 7 days | Primary access to airfield and admin area |
| Langley Gate (Seaplane Base) | Mon–Fri 0530–1730 | Weekday access to Seaplane Base / NEX / Commissary side |
| Saratoga / Hospital Gate | Mon–Fri 0630–0830 inbound; 1530–1730 outbound | Limited rush-hour access near Naval Health Clinic |
Use our PCS Binder and Checklist to track your full move to Whidbey Island. For the DITY/PPM option, see our DITY move guide.
Oak Harbor’s economy is heavily military-dependent, which means strong demand for service workers, healthcare, retail, and education — but fewer large employers than a major metro. The biggest civilian employers near NASWI include WhidbeyHealth hospital system, Oak Harbor Public Schools, Skagit Valley College, and local government. Remote work has become central to the Whidbey spouse employment picture — the island’s serene quality of life attracts remote professionals, and broadband infrastructure has improved substantially.
For families where the spouse works in Seattle or Everett, the south-island communities (Coupeville, Langley, and mainland via Clinton ferry) offer commute options, though ferry schedules require planning. The Fleet & Family Support Center at 1-866-854-0638 offers career counseling, resume services, and access to the SECO program. Check USAJobs.gov for federal positions in Oak Harbor and the Skagit/Island County area.
Families who embrace the outdoors consistently rate NASWI as one of the best quality-of-life postings in the Navy. The island and surrounding region pack in extraordinary natural beauty and recreation.
NASWI is primarily home to two aviation communities. The EA-18G Growler electronic attack aircraft support the Electronic Attack Wing, U.S. Pacific Fleet — NASWI is the Center of Excellence for Electronic Combat Warfare. The P-8A Poseidon maritime patrol aircraft fly anti-submarine warfare and ISR missions for Patrol and Reconnaissance Wing 10. The installation also hosts over 50 tenant commands including search and rescue, Marine aviation training, and electronic attack weapons school.
NASWI falls under the Whidbey Island MHA (WA312), which also covers Anacortes, Mount Vernon, Burlington, and Sedro-Woolley. BAH rates increased 3.8% in 2026. Enlisted rates range from $1,839/month (E-1 to E-4 without dependents) to $3,159/month (E-9 with dependents). Officer rates go to $3,453/month for O-7 with dependents. Service members with dependents receive 25% more BAH than those without. Use the DTMO BAH Calculator with ZIP 98278 or 98277 to confirm your exact rate.
Honest answer: tight. Property managers near NASWI have reported near-zero vacancy during PCS season for years. Landlords can be selective, sometimes requiring 3x income verification, 640+ credit scores, and multiple months of deposit. This doesn’t mean finding housing is impossible — many families do it successfully — but it requires starting early, being financially prepared, and staying flexible. Expanding your search to mainland communities like Burlington or Mount Vernon (35–45 min from base) significantly increases your options and can lower your monthly costs. Contact the Housing Services Center at (360) 257-3331 as soon as orders drop.
On-base housing is privatized and managed by Hunt Military Communities at (360) 679-4241 (2205 Egret Drive). There are 12 neighborhoods with 1,500+ total units — single-family homes, duplexes, and apartments ranging from 3–4 bedrooms. Maylor Point and Forbes Point are on the Seaplane Base; all other neighborhoods are on adjacent government property. Waitlists exist for most neighborhoods. Contact the Housing Services Center at (360) 257-3331 immediately upon receiving orders to get on the list and understand your timeline.
There are no DoDEA schools at NASWI. Most on-base and Oak Harbor families are served by Oak Harbor Public Schools (360-279-5000), which has 5 elementary schools, 2 middle schools, and 1 high school. The district actively partners with the base for military family transitions. Your exact school assignment depends on your home address — contact the School Liaison Officer at (360) 257-6863 before finalizing housing to confirm school zone boundaries. Families in Coupeville, Anacortes, or mainland communities fall under different districts.
Naval Health Clinic Oak Harbor (NHCOH) provides outpatient primary care, dental, and behavioral health services on base at 3475 N. Saratoga St., Building 993. Phone: (360) 257-9500. Website: oakharbor.tricare.mil. For inpatient care or emergencies, the nearest civilian hospitals are WhidbeyHealth in Coupeville ((360) 678-5151) and Skagit Valley Hospital in Burlington ((360) 424-4111). TRICARE 24/7 Nurse Advice Line: 1-800-TRICARE (874-2273), option 1.
No. Washington State has no income tax at all, which applies to all income including military pay. This is a meaningful financial benefit — combined with NASWI’s solid BAH rates, the overall compensation picture here is strong despite the Pacific Northwest’s higher cost of living.
Deception Pass State Park is Washington’s most-visited state park, located approximately 5 minutes north of Ault Field at the north end of Whidbey Island. The dramatic Deception Pass Bridge spans a tidal channel connecting Whidbey Island to Fidalgo Island — it’s one of the most photographed spots in the state. The park offers swimming beaches, hiking trails, camping, kayaking, and wildlife watching year-round. Living near NASWI means one of Washington’s premier natural wonders is essentially in your backyard.
They are two separate sites of NAS Whidbey Island, about 5 miles apart. Ault Field is the main airfield where most squadrons, administrative buildings, the Housing Services Center, and Fleet & Family Support are located. The Seaplane Base (also called the main base) is where the Navy Exchange, Commissary, Naval Health Clinic, Navy Gateway Inn & Suites, and the primary family housing areas (Maylor Point, Forbes Point) are located. Your gaining command will be at one or the other, and that determines your daily gate. The Langley Gate and Saratoga Gate serve the Seaplane Base; the main Ault Field Gate is the 24-hour access point.
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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