Military Resources Hub
PCSing is stressful enough. We've compiled the essentials you need before you arrive in the 757
From your PCS checklist to BAH estimates, base breakdowns, and VA loan tips written by
People who actually understand military moves.
PCS Move Checklist
Use this timeline to stay ahead of the chaos. PCSing to a new duty station is a full-time job on top of your actual full-time job — give yourself as much runway as possible.
6–12 Months Out
Request your orders in writing
Research schools and neighborhoods near your gaining installation
Contact your gaining base housing office for wait times
Connect with a military-focused real estate agent (VA loan pre-approval takes time)
Join Facebook groups for the gaining installation — spouses groups are invaluable
3–6 Months Out
Connect your kids with the School Liaison Officer for enrollment support
Norfolk Area BAH Overview
Hampton Roads is one MHA (Military Housing Area) designated as "Norfolk/Portsmouth/Newport News." Rates change annually — these are estimates to help you start budgeting. Always verify exact current rates using your zip code at the DoD Defense Travel Management Office (DTMO).
| Pay Grade | With Dependents (Est.) | Without Dependents (Est.) |
|---|---|---|
| E-4 | $1,950 – $2,100 | $1,600 – $1,750 |
| E-5 | $2,100 – $2,300 | $1,700 – $1,900 |
| E-6 | $2,200 – $2,400 | $1,800 – $2,000 |
| E-7 | $2,350 – $2,550 | $1,950 – $2,150 |
| O-3 | $2,600 – $2,800 | $2,300 – $2,500 |
| O-4 | $3,000 – $3,200 | $2,600 – $2,800 |
| O-5 | $3,200 – $3,400 | $2,800 – $3,000 |
*Estimates only. Always verify exact current rates at the DoD DTMO using zip code 23511 for Hampton Roads/Norfolk.
Major Installations
Hampton Roads is home to one of the highest concentrations of military bases in the country. Here is a breakdown of the major installations and what to expect if you're stationed there.
Naval Station Norfolk (NOB)
The world's largest naval station. Home to dozens of ships and aircraft squadrons. Traffic on Hampton Blvd and I-564 gets heavy during quarters — plan your commute accordingly. Popular housing areas include Norfolk's Ghent, Larchmont, Ocean View, and Virginia Beach's Bayside and Great Neck.
OfficialNOBWebsite
NAS OceanaNavy
The Navy's East Coast Master Jet Base in Virginia Beach. You will hear jet noise ('the sound of freedom'). Excellent location for coastal lifestyle living. Popular nearby areas include Great Neck, Princess Anne, and Red Mill.
Official Oceana Website
JEB Little Creek-Fort StoryNavy / Army
At the mouth of the Chesapeake Bay. Home to the Navy SEALs and East Coast amphibious forces. Very accessible from the northern Virginia Beach neighborhoods of Chic's Beach, Alanton, and Cape Henry.
Official JEB LCS Website
NSA Hampton RoadsNavy
A large support installation covering multiple sites in the Norfolk area. Personnel often live in western Norfolk, Portsmouth, or Chesapeake to avoid tunnel congestion.
Coast Guard Base PortsmouthCoast Guard
Located across the Elizabeth River from Norfolk. Personnel commonly live in Portsmouth, Chesapeake, or Suffolk to minimize tunnel commutes. The Churchland and Western Branch areas of Portsmouth/Chesapeake are popular.
Official CGBP Website
Using Your VA Loan in Hampton Roads
Hampton Roads is one of the best markets in the country to use your VA loan. Sellers are accustomed to VA buyers, VA appraisers know the local market well, and the no-down-payment benefit is enormous in an area with strong appreciation.
As a military-focused real estate team, Jon Shepheard and the Shepheard Real Estate Team know exactly how to structure a VA offer to win in a competitive situation — without costing you more out of pocket.
