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NAS Whidbey Island: rent or buy? (2026)
E-5 with dependents: $2,073/mo BAH.
- Typical 3BR rent: $2,324 (HUD FY2026). About $251/mo over BAH.
- Typical home: $634,229 in Island County WA (Zillow, Sept 2026).
- VA loan, $0 down: about $5,104/mo with tax and insurance (est.).
- O-3 with dependents: $3,105/mo BAH.
Your plan for Whidbey
2026 BAH at NAS Whidbey Island
Military Housing Area WA312: Whidbey Island, WA. Duty ZIP 98278. Monthly rates from DTMO, effective Jan 1, 2026. Confirm your ZIP on the DTMO lookup.
| Grade | With dependents | Without |
|---|---|---|
| E-1 | $2,013 | $1,839 |
| E-2 | $2,013 | $1,839 |
| E-3 | $2,013 | $1,839 |
| E-4 | $2,013 | $1,839 |
| E-5 | $2,073 | $1,905 |
| E-6 | $2,745 | $2,058 |
| E-7 | $2,877 | $2,157 |
| E-8 | $3,018 | $2,265 |
| E-9 | $3,159 | $2,412 |
| W-1 | $2,766 | $2,076 |
| W-2 | $2,934 | $2,208 |
| W-3 | $3,111 | $2,436 |
| W-4 | $3,174 | $2,772 |
| W-5 | $3,258 | $2,910 |
| O-1E | $2,901 | $2,175 |
| O-2E | $3,084 | $2,367 |
| O-3E | $3,189 | $2,739 |
| O-1 | $2,157 | $1,950 |
| O-2 | $2,736 | $2,160 |
| O-3 | $3,105 | $2,499 |
| O-4 | $3,279 | $2,880 |
| O-5 | $3,402 | $2,958 |
| O-6 | $3,429 | $3,090 |
| O-7+ | $3,453 | $3,144 |
Rent near Whidbey
| Size | HUD FY2026 Fair Market Rent |
|---|---|
| Studio | $1,172 |
| 1 bedroom | $1,356 |
| 2 bedrooms | $1,671 |
| 3 bedrooms | $2,324 |
| 4 bedrooms | $2,733 |
Island County, WA (Island County WA). 40th-percentile rent including utilities. Zillow ZORI (all sizes, Sept 2026): $2,100.
Buying with a VA loan
- Typical home value
- $634,229 (Zillow ZHVI, Island County WA, Sept 2026)
- Loan, $0 down
- $647,865 incl. 2.15% funding fee (first use)
- Principal + interest
- $4,486/mo at 7.4% (Freddie Mac avg, 2026-10-15)
- Property tax (est.)
- $354/mo (0.67% of value, Census ACS)
- Insurance (placeholder)
- $264/mo
- Total (est.)
- $5,104/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 Whidbey Island?
For an E-5 with dependents it's $2,073 a month; without dependents $1,905. O-3 with dependents: $3,105. Military Housing Area WA312 (Whidbey Island, WA). Source: DTMO 2026 rates.
How much is rent near NAS Whidbey Island?
HUD's FY2026 Fair Market Rent for Island County WA: $1,671 for 2 bedrooms, $2,324 for 3 bedrooms, including utilities. Zillow's typical observed rent (all sizes) was $2,100 in Sept 2026.
Should I buy a house at NAS Whidbey Island?
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 Whidbey Island?
With full entitlement there's no VA loan limit. With partial entitlement, VA uses the 2026 FHFA one-unit limit for Island County WA: $832,750.