O-5 BAH in the Norfolk MHA (2026)
Official 2026 BAH for O-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)
$3,318
per month
Max home price
~$531,000
VA loan, 0% down
MHA
IZ325
Norfolk / Hampton Roads
The O-5 with-dependents rate of $3,318/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
Commander / Lieutenant Colonel. Senior officer at the peak of operational career.
At $3,318/mo, an O-5 with dependents can support a home around $531K. This opens up most premium Hampton Roads markets including East Beach, Harbour View, top-tier Chesapeake, and beach-adjacent VB.
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-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.
About the Hampton Roads Real Estate Market
Hampton Roads is one of the most dynamic real estate markets on the East Coast, anchored by the largest naval complex in the world at Naval Station Norfolk and home to roughly 120,000 active-duty, reserve, and civilian Department of Defense personnel. The region spans seven cities — Virginia Beach, Norfolk, Chesapeake, Suffolk, Portsmouth, Hampton, and Newport News — plus the Peninsula communities of Williamsburg, Yorktown, and Poquoson, with each market carrying its own personality, school district, and price profile.
Buying or selling here means thinking about more than just a house. Tidewater geography means flood zones, hurricane preparation, and waterfront premiums matter. Military presence means BAH affordability, PCS season inventory crunches (May through August), and VA loan eligibility are top of mind for a meaningful share of every neighborhood. School quality varies block by block, especially across the seven independent city school divisions, and is often the deciding factor for relocating families.
Why Buyers and Sellers Choose VaHome
The VaHome Team — Tom and Dariya Milan with LPT Realty — focuses on the Hampton Roads region with deep expertise in military relocation, VA financing, and the trade-offs that local buyers actually face. From listing strategy that gets your home in front of the right relocating buyer to buyer representation that respects your BAH cap and PCS timeline, the team treats every transaction as a long-term relationship. The site is built to make decisions clearer: BAH-aware search, drive-time mapping to every major installation, neighborhood guides written by people who live here, and a calculator that shows real monthly cost — taxes, insurance, HOA, and PMI included — instead of a teaser headline number.
Plan Your Next Move
Whether you are buying your first home with a VA loan, moving up while your kids transition between school districts, or selling a Hampton Roads property to relocate to your next duty station, the resources on this site are organized around the questions you are actually asking. Browse listings filtered by base proximity, paygrade-aware BAH cap, and commute time. Read neighborhood guides for Virginia Beach, Norfolk, Chesapeake, Suffolk, Hampton, Newport News, Williamsburg, and the Peninsula communities. Use the mortgage calculator to compare conventional, FHA, VA, USDA, and jumbo loan scenarios side by side. When you are ready to talk, the contact form goes directly to a specialist who knows the area, the lenders, and the timing.