NAS Jacksonville: rent or buy? (2026)
E-5 with dependents: $2,181/mo BAH.
- Typical 3BR rent: $2,043 (HUD FY2026). You keep about $138/mo.
- Typical home: $294,079 in Duval County FL (Jacksonville) (Zillow, Sept 2026).
- VA loan, $0 down: about $2,386/mo with tax and insurance (est.).
- O-3 with dependents: $2,364/mo BAH.
Your plan for NAS Jax
2026 BAH at NAS Jacksonville
Military Housing Area FL058: Jacksonville, FL. Duty ZIP 32212. Monthly rates from DTMO, effective Jan 1, 2026. Confirm your ZIP on the DTMO lookup.
| Grade | With dependents | Without |
|---|---|---|
| E-1 | $2,046 | $1,623 |
| E-2 | $2,046 | $1,623 |
| E-3 | $2,046 | $1,623 |
| E-4 | $2,046 | $1,623 |
| E-5 | $2,181 | $1,803 |
| E-6 | $2,241 | $1,920 |
| E-7 | $2,283 | $2,049 |
| E-8 | $2,331 | $2,199 |
| E-9 | $2,424 | $2,205 |
| W-1 | $2,256 | $2,010 |
| W-2 | $2,301 | $2,196 |
| W-3 | $2,367 | $2,208 |
| W-4 | $2,445 | $2,241 |
| W-5 | $2,550 | $2,292 |
| O-1E | $2,289 | $2,178 |
| O-2E | $2,355 | $2,202 |
| O-3E | $2,463 | $2,229 |
| O-1 | $2,196 | $1,908 |
| O-2 | $2,238 | $2,139 |
| O-3 | $2,364 | $2,211 |
| O-4 | $2,580 | $2,277 |
| O-5 | $2,736 | $2,301 |
| O-6 | $2,757 | $2,343 |
| O-7+ | $2,775 | $2,382 |
Rent near NAS Jax
| Size | HUD FY2026 Fair Market Rent |
|---|---|
| Studio | $1,355 |
| 1 bedroom | $1,382 |
| 2 bedrooms | $1,658 |
| 3 bedrooms | $2,043 |
| 4 bedrooms | $2,561 |
Jacksonville, FL HUD Metro FMR Area (Duval County FL (Jacksonville)). 40th-percentile rent including utilities. Zillow ZORI (all sizes, Sept 2026): $1,603.
Buying with a VA loan
- Typical home value
- $294,079 (Zillow ZHVI, Duval County FL (Jacksonville), Sept 2026)
- Loan, $0 down
- $300,402 incl. 2.15% funding fee (first use)
- Principal + interest
- $2,080/mo at 7.4% (Freddie Mac avg, 2026-10-15)
- Property tax (est.)
- $184/mo (0.75% of value, Census ACS)
- Insurance (placeholder)
- $123/mo
- Total (est.)
- $2,386/mo
- 2026 loan limit
- $832,750 (only matters with partial entitlement)
All numbers are estimates for planning. BAH: DTMO 2026. Rent: HUD FY2026 FMR. Home value: Zillow ZHVI, Sept 2026. Rate: Freddie Mac 7.4% (2026-10-15). Tax: Census ACS county median. Insurance: our placeholder (0.5% of value, min $1,200/yr), not a quote.
FAQ
What is the 2026 BAH at NAS Jacksonville?
For an E-5 with dependents it's $2,181 a month; without dependents $1,803. O-3 with dependents: $2,364. Military Housing Area FL058 (Jacksonville, FL). Source: DTMO 2026 rates.
How much is rent near NAS Jacksonville?
HUD's FY2026 Fair Market Rent for Duval County FL (Jacksonville): $1,658 for 2 bedrooms, $2,043 for 3 bedrooms, including utilities. Zillow's typical observed rent (all sizes) was $1,603 in Sept 2026.
Should I buy a house at NAS Jacksonville?
It depends on how long you'll stay and whether you'd keep it as a rental. Run the planner above with your rank and plans.
What's the VA loan limit near NAS Jacksonville?
With full entitlement there's no VA loan limit. With partial entitlement, VA uses the 2026 FHFA one-unit limit for Duval County FL (Jacksonville): $832,750.