O-3 BAH in the Norfolk MHA (2026)
Official 2026 BAH for O-3 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)
$2,694
per month
Max home price
~$432,000
VA loan, 0% down
MHA
IZ325
Norfolk / Hampton Roads
The O-3 with-dependents rate of $2,694/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
Lieutenant / Captain. Mid-career officer with family.
At $2,694/mo, an O-3 with dependents can support a home around $432K. This opens up Chesapeake top-tier (Greenbrier, Great Bridge), Larchmont, and most VB neighborhoods except oceanfront.
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 O-3 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.