Naval Air Station Whidbey Island
Oak Harbor, Washington · Navy
NAS Whidbey Island is home to all Navy EA-18G Growler electronic attack squadrons — the fleet's premier electronic warfare capability, on a scenic island in Puget Sound.
Check your rate
Select your rank and dependent status below
See it vs. local rent
Compare your BAH to the area's Fair Market Rent
Plan your move
Compare stations or estimate PCS costs
Quick reference: 2026 BAH rates at Naval Air Station Whidbey Island
For 2026, BAH rates at Naval Air Station Whidbey Island (Whidbey Island, WA MHA) are: E-4 with dependents: $2,013/mo · E-5 without dependents: $1,905/mo · E-5 with dependents: $2,073/mo · E-6 with dependents: $2,745/mo · E-7 with dependents: $2,877/mo · O-3 with dependents: $3,105/mo. BAH is excluded from federal taxable income. Full rates for all pay grades are in the table below.
Showing E-5 with dependents for the Whidbey Island, WA MHA.
Year over year: ▲ +$45 (2.2%) vs 2025
How This Market Compares
Naval Air Station Whidbey Island BAH for an E-5 with dependents is $2,073/month — $12/month above the national median of $2,061. That ranks the Whidbey Island, WA MHA 165th-highest of the 338 military housing areas tracked nationwide (top 49%) for the E-5 with-dependents rate.
E-5 w/dep BAH here
$2,073/mo
Natl median E-5 w/dep
$2,061/mo
vs. national median
+$12/mo
BAH vs. Local Rent
Across this area, 2-bedroom Fair Market Rent runs about $1,565–$1,790 (median $1,680).
E-5 w/dep BAH
$2,073/mo
2BR rent (HUD FMR, FY2026)
$1,680 median
$1,565–$1,790 range
The 2026 BAH for E-5 with dependents ($2,073) is above the area's 75th-percentile 2-bedroom rent — it covers a 2-bedroom across most of this area.
BAH is designed to cover about 95% of typical local housing costs — rent plus utilities — for a member's pay grade and dependency status, leaving a roughly 5% member cost share.
2-bedroom Fair Market Rent (HUD, FY2026). 2-bedroom is the reference point closest to junior- and mid-grade housing; larger households and senior grades typically need more space. Rent figures are HUD Small Area Fair Market Rents matched to this installation's Military Housing Area by ZIP code. MHA boundaries and HUD rent areas don't align perfectly, so these are area-level reference figures, not a personalized rent estimate. FMR is a gross-rent figure that includes tenant-paid utilities — the same basis BAH is built on.
How Naval Air Station Whidbey Island BAH is set
BAH is set by Military Housing Area (MHA), not by your specific ZIP code or neighborhood. Naval Air Station Whidbey Island falls in the Whidbey Island, WA MHA — every installation and address in that MHA receives the same rate for a given pay grade and dependency status, so multiple bases can share one rate.
For 2026, the E-5 with-dependents rate at Naval Air Station Whidbey Island rose $45 (+2.2%) from 2025's $2,028/month — about $540 more over the year, excluded from federal taxable income. That's below the national average BAH increase of 4.2% for 2026. Year-over-year change reflects published table rates; individual rate protection may keep your personal rate higher.
2026 BAH Rates — Whidbey Island, WA
Monthly rates for all pay grades. Source: DTMO 2026 BAH data. BAH is not taxable income.
E-4 w/dep: $2,013/mo·E-5 w/dep: $2,073/mo·E-6 w/dep: $2,745/mo
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| Enlisted | ||
| E-1 (PVT/SR/Amn/Pvt) | $2,013▲ +$36 (1.8%) | $1,839▲ +$249 (15.7%) |
| E-2 (PV2/FA/A1C/PFC) | $2,013▲ +$36 (1.8%) | $1,839▲ +$249 (15.7%) |
| E-3 (PFC/SA/SrA/LCpl) | $2,013▲ +$36 (1.8%) | $1,839▲ +$249 (15.7%) |
| E-4 (SPC/Cpl/SN/Cpl) | $2,013▲ +$36 (1.8%) | $1,839▲ +$249 (15.7%) |
| E-5 (SGT/PO2/SSgt) | $2,073▲ +$45 (2.2%) | $1,905▲ +$102 (5.7%) |
| E-6 (SSG/PO1/TSgt) | $2,745▲ +$105 (4.0%) | $2,058▲ +$78 (3.9%) |
| E-7 (SFC/CPO/MSgt) | $2,877▲ +$87 (3.1%) | $2,157▲ +$63 (3.0%) |
| E-8 (MSG/1SG/SCPO) | $3,018▲ +$75 (2.5%) | $2,265▲ +$57 (2.6%) |
| E-9 (SGM/CSM/MCPO) | $3,159▲ +$60 (1.9%) | $2,412▲ +$78 (3.3%) |
| Warrant Officer | ||
| W-1 (WO1) | $2,766▲ +$102 (3.8%) | $2,076▲ +$78 (3.9%) |
| W-2 (CW2) | $2,934▲ +$81 (2.8%) | $2,208▲ +$57 (2.6%) |
| W-3 (CW3) | $3,111▲ +$66 (2.2%) | $2,436▲ +$78 (3.3%) |
| W-4 (CW4) | $3,174▲ +$54 (1.7%) | $2,772▲ +$99 (3.7%) |
| W-5 (CW5) | $3,258▲ +$48 (1.5%) | $2,910▲ +$87 (3.1%) |
| Officer (Prior Enlisted) | ||
| O-1E (2LT — prior enlisted) | $2,901▲ +$87 (3.1%) | $2,175▲ +$63 (3.0%) |
| O-2E (1LT — prior enlisted) | $3,084▲ +$63 (2.1%) | $2,367▲ +$72 (3.1%) |
| O-3E (CPT — prior enlisted) | $3,189▲ +$57 (1.8%) | $2,739▲ +$105 (4.0%) |
| Officer | ||
| O-1 (2LT/ENS/2ndLt) | $2,157▲ +$51 (2.4%) | $1,950▲ +$27 (1.4%) |
| O-2 (1LT/LTJG/1stLt) | $2,736▲ +$102 (3.9%) | $2,160▲ +$63 (3.0%) |
| O-3 (CPT/LT/Capt) | $3,105▲ +$63 (2.1%) | $2,499▲ +$81 (3.3%) |
| O-4 (MAJ/LCDR/Maj) | $3,279▲ +$39 (1.2%) | $2,880▲ +$87 (3.1%) |
| O-5 (LTC/CDR/LtCol) | $3,402▲ +$30 (0.9%) | $2,958▲ +$75 (2.6%) |
| O-6 (COL/CAPT/Col) | $3,429▲ +$27 (0.8%) | $3,090▲ +$63 (2.1%) |
| O-7 (BG/RDML/BGen) | $3,453▲ +$24 (0.7%) | $3,144▲ +$60 (1.9%) |
O-8, O-9, and O-10 receive the same BAH as O-7. Rates effective January 1, 2026. Year-over-year change reflects published BAH table rates. Individual rate protection means your personal rate may differ if you've maintained eligibility at this location.
Calculator
BAH is just one piece of your pay
See your full compensation at Naval Air Station Whidbey Island — including base pay, BAS, tax advantages, and what a civilian would need to earn to match it.
Calculate your total compensation →State income tax
Washington has no state income tax on military pay.
Rent and cost figures on this page are approximate and provided for informational and educational purposes only. They reflect market estimates at time of publication and may not reflect current conditions. This is not financial, tax, or housing advice. Always verify figures independently and consult a qualified professional before making financial commitments.
Frequently Asked Questions
What is the 2026 BAH rate for an E-5 with dependents at Naval Air Station Whidbey Island?
For 2026, an E-5 with dependents at Naval Air Station Whidbey Island receives $2,073/month in BAH (Whidbey Island, WA MHA). Other grades with dependents: E-6 $2,745/month, E-7 $2,877/month, O-3 $3,105/month. E-5 without dependents is $1,905/month. BAH is excluded from federal taxable income.
Which Military Housing Area (MHA) is used for Naval Air Station Whidbey Island BAH?
Naval Air Station Whidbey Island is assigned to the Whidbey Island, WA Military Housing Area (MHA). Every installation and address in the same MHA receives the same rate, regardless of exact ZIP or neighborhood. Rates are published annually by the Defense Travel Management Office (DTMO) and take effect January 1.
How much did Naval Air Station Whidbey Island BAH change from 2025 to 2026?
For 2026, the E-5 with-dependents rate at Naval Air Station Whidbey Island rose $45 (+2.2%) from 2025's $2,028/month — about $540 more over the year, excluded from federal taxable income. That's below the national average BAH increase of 4.2% for 2026. Rate protection means a member who stays at the same location with the same dependency status keeps their rate even if the published table rate falls.
Does Naval Air Station Whidbey Island BAH depend on my exact ZIP code?
No. BAH is set by Military Housing Area (MHA), not by your specific ZIP or neighborhood. Naval Air Station Whidbey Island falls in the Whidbey Island, WA MHA, so every ZIP in that area receives the identical rate for a given pay grade and dependency status.
How does Naval Air Station Whidbey Island BAH compare with nearby installations?
Nearby installations have their own MHA rates. For an E-5 with dependents: Joint Base Lewis-McChord is $483/month higher, Joint Base Elmendorf-Richardson is $801/month higher, and Naval Base Kitsap is $291/month higher — compared with Naval Air Station Whidbey Island's $2,073/month.
How does BAH at Naval Air Station Whidbey Island compare with local rent?
For 2026, an E-5 with dependents at Naval Air Station Whidbey Island receives $2,073/month in BAH. Across the Whidbey Island, WA area, 2-bedroom Fair Market Rent (HUD, FY2026) runs about $1,565–$1,790 (median $1,680). The 2026 BAH for an E-5 with dependents ($2,073) is above the area's 75th-percentile 2-bedroom rent — it covers a 2-bedroom across most of this area. BAH is designed to cover about 95% of typical local housing costs — rent plus utilities — for a member's pay grade and dependency status.
Is BAH taxable for service members stationed at Naval Air Station Whidbey Island?
No. BAH is excluded from federal taxable income under the Military Pay Tax Exclusion. Most states also exempt BAH from state income tax, though treatment varies by state. Service members keep the full dollar value of their housing allowance.
What to do next
BAH is the starting point. Here are the calculations that matter most for your PCS decision.
Compare Naval Air Station Whidbey Island to another duty station→Get notified when 2027 BAH rates update for Naval Air Station Whidbey Island
Updates when rates change. No spam.
We'll only email you when official rates change or new tools launch. Unsubscribe anytime.
Nearby & Comparable Installations
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.