E-5 BAH in the Norfolk MHA (2026)
Official 2026 BAH for E-5 with dependents in the Norfolk Military Housing Area. Plus the max home price this rate supports on a VA loan and the Hampton Roads neighborhoods that fit best.
2026 BAH (with dependents)
$2,430
per month
Max home price
~$389,000
VA loan, 0% down
MHA
IZ325
Norfolk / Hampton Roads
The E-5 with-dependents rate of $2,430/mo applies uniformly across all Hampton Roads installations: Naval Station Norfolk, NAS Oceana, JEB Little Creek-Fort Story, Joint Base Langley-Eustis, Norfolk Naval Shipyard, NSA Hampton Roads, Naval Medical Center Portsmouth, and Coast Guard Base Portsmouth.
Source: Defense Travel Management Office BAH Calculator (Norfolk MHA, ZIP 23511). Verify your exact rate using your specific installation ZIP.
Who This Rate Fits
Junior NCO with family. Just married, growing family, or dual-mil household where one income covers the mortgage.
At $2,430/mo, an E-5 with dependents can comfortably support a home around $389K with 0% down VA loan. Most E-5 families I work with target $300K-$370K to keep BAH covering PITI plus an emergency margin.
Max home price assumes 30-year fixed VA loan, current 2026 rates, no other significant debt, and BAH covering 100% of principal + interest + taxes + insurance. Actual approval depends on credit and lender overlays.
Listings That Fit Your E-5 BAH
Ready to get pre-approved?
I can connect you with a Hampton Roads VA-specialist lender and send a curated home list.
Sources: DTMO BAH Calculator; VA Home Loans; REIN MLS.