NAS Jacksonville
Jacksonville, Florida · Navy
NAS Jacksonville is one of the Navy's largest air stations — home to multiple P-8A Poseidon maritime patrol squadrons and helicopter squadrons on the St. Johns River.
NAS Jacksonville puts you in a major Florida city with no state income tax and a cost of living below the national average. BAH covers rent with a comfortable buffer, and Jacksonville's housing market is more affordable than Tampa, Miami, or the Space Coast. The St. Johns County school district is a major draw for families willing to commute.
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Showing E-5 with dependents for the Jacksonville, FL MHA.
E-5 w/dep BAH
$2,181/mo
Tax-free housing allowance
Median rent
$1,600/mo
Zillow / Zumper 2025–2026
Monthly surplus
+$581/mo
BAH minus median rent
What Your BAH Buys Here
If you rent at median, you keep about $581/month. But what about buying?
Median home price
$320,000
Zillow / Redfin 2026
Est. monthly mortgage (PITI)
$2,150–$2,350/mo
$0 down, ~6.5% rate, ~0.9% property tax + insurance
At $2,181/month BAH and an estimated $2,150–$2,350/month PITI on a median-priced home, BAH may cover a significant portion of a typical mortgage in this market — though actual costs vary based on rate, taxes, insurance, and individual circumstances.
Housing cost estimates are approximate and based on publicly available market data. Actual mortgage costs depend on interest rate, property taxes, insurance, HOA dues, maintenance, credit profile, and lender requirements. This is not financial advice — use these numbers as a starting point for your own research.
How This Market Compares
NAS Jacksonville BAH for E-5 with dependents is $120/mo above the national average — and Jacksonville's cost of living is below the national average and Florida has no income tax — a strong combination for military families.
E-5 w/dep BAH here
$2,181/mo
Natl median E-5 w/dep
$2,061/mo
vs. natl avg
+$120/mo
2026 BAH Rates — Jacksonville, FL
Monthly rates for all pay grades. Source: DTMO 2026 BAH data. BAH is not taxable income.
E-4 w/dep: $2,046/mo·E-5 w/dep: $2,181/mo·E-6 w/dep: $2,241/mo
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| Enlisted | ||
| E-1 (PVT/SR/Amn/Pvt) | $2,046 | $1,623 |
| E-2 (PV2/FA/A1C/PFC) | $2,046 | $1,623 |
| E-3 (PFC/SA/SrA/LCpl) | $2,046 | $1,623 |
| E-4 (SPC/Cpl/SN/Cpl) | $2,046 | $1,623 |
| E-5 (SGT/PO2/SSgt) | $2,181 | $1,803 |
| E-6 (SSG/PO1/TSgt) | $2,241 | $1,920 |
| E-7 (SFC/CPO/MSgt) | $2,283 | $2,049 |
| E-8 (MSG/1SG/SCPO) | $2,331 | $2,199 |
| E-9 (SGM/CSM/MCPO) | $2,424 | $2,205 |
| Warrant Officer | ||
| W-1 (WO1) | $2,256 | $2,010 |
| W-2 (CW2) | $2,301 | $2,196 |
| W-3 (CW3) | $2,367 | $2,208 |
| W-4 (CW4) | $2,445 | $2,241 |
| W-5 (CW5) | $2,550 | $2,292 |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $2,289 | $2,178 |
| O-2E (1LT — prior enlisted) | $2,355 | $2,202 |
| O-3E (CPT — prior enlisted) | $2,463 | $2,229 |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $2,196 | $1,908 |
| O-2 (1LT/LTJG/1stLt) | $2,238 | $2,139 |
| O-3 (CPT/LT/Capt) | $2,364 | $2,211 |
| O-4 (MAJ/LCDR/Maj) | $2,580 | $2,277 |
| O-5 (LTC/CDR/LtCol) | $2,736 | $2,301 |
| O-6 (COL/CAPT/Col) | $2,757 | $2,343 |
| O-7 (BG/RDML/BGen) | $2,775 | $2,382 |
O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026.
Local cost of living context
Overall cost of living is roughly roughly 5–8% below the national average.
Florida has no state income tax on military pay. Your entire paycheck goes further here than at duty stations in income-tax states.
What to know before you move
Jacksonville is a massive city — one of the largest by area in the US. The mistake is not factoring commute distance. NAS Jax is on the west side near the river, while many newer neighborhoods are on the south side (St. Johns County) 30+ minutes away. Orange Park and Westside Jacksonville keep you within 15 minutes of the gate.
Housing data is approximate and provided for informational and educational purposes only. Median rents and home prices reflect market estimates at time of publication and may not reflect current conditions. School ratings are sourced from third-party services and reflect their methodology. MilPayTools does not endorse specific neighborhoods, properties, landlords, or housing decisions. Always verify figures independently and consult with a qualified professional before making financial commitments.
What to do next
BAH is the starting point. Here are the calculations that matter most for your PCS decision.
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Data Source & Disclaimer
BAH rates are from the Defense Travel Management Office (DTMO) 2026 BAH data, effective January 1, 2026. Rates are set by Military Housing Area (MHA), not individual ZIP code — all ZIPs in the same MHA receive identical rates. This page is for informational purposes only and is not affiliated with DoD, DTMO, or any government agency. Verify your entitlement at travel.dod.mil.