Naval Submarine Base Kings Bay
Verified profile · 2026-10-22St. Marys, GA · ~9,000 assigned
Installation overview
BAH Cost Index
0.85
Median Home Price
$310,000
Average Commute
5–45 min
VA Loan Activity
High
What this installation is
The East Coast home of the Ohio-class ballistic-missile and guided-missile submarine fleet and the only Atlantic Fleet base that supports the Trident II missile — a submarine community on Georgia's coast, about 40 miles north of Jacksonville.
Editorial guidanceWritten for context, not sourced from official DoD mission statements — see methodology.
BAH & cost of living
Typical monthly BAH at Naval Submarine Base Kings Bay
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E4 | $2,016 | $1,656 |
| E6 | $2,157 | $1,905 |
| O3 | $2,418 | $2,157 |
VerifiedReal 2026 DFAS with-dependents rate. Without-dependents figures are estimated — see the full BAH Calculator.
Full calculatorHousing market snapshot
Median home price
$310,000
Average commute
5–45 min
VA loan activity
HighHigh VA loan activity here usually means agents and lenders are used to VA timelines and appraisal requirements — that's a real advantage over an installation where VA loans are rare.
Compare buying vs. rentingWhere families live
Sort by what matters to you — price, commute, or our recommended order.
VerifiedReviewed by the panel credited at the top of this page — commute and price ranges are directional, not guaranteed for any specific address.
St. Marys
Very Family-Friendly- Commute
- 5–10 min
- Median price
- $335,000
- Walkability
- Somewhat Walkable
- Home styles
- Single-family, Historic
Best fit: A historic waterfront town at the base's gate, with the Cumberland Island ferry and a small-town feel
Kingsland
Very Family-Friendly- Commute
- 10–15 min
- Median price
- $295,000
- Walkability
- Car-Dependent
- Home styles
- Single-family, Newer construction
Best fit: A fast-growing, practical community with strong shopping and newer homes
Yulee, Florida
Very Family-Friendly- Commute
- 30–40 min
- Median price
- $385,000
- Walkability
- Car-Dependent
- Home styles
- Single-family, New construction
Best fit: Across the state line in Nassau County, with no state income tax, at the cost of a longer commute
Schools families ask about most
Individual school profiles for this installation haven’t been built yet.
Who's building here
No builder profiles for this installation yet.
Your relocation, step by step
Orders in hand, plan the move
- Confirm report date and entitlements with your losing unit's admin section
- Decide buy, rent, or wait-and-see for your destination
- Start a PCS folder: orders, LES, dependents' records
Common mistake: Waiting on the housing decision until move week — the best rentals and quick-close new builds get taken early.
Lock the logistics
- Schedule your HHG shipment (or start a PPM/DITY estimate)
- Line up financing pre-approval if buying
- Start the lease or purchase process at your destination
Common mistake: Booking movers at the last minute during peak PCS season (May–August), when good dates disappear fast.
Final details
- Confirm final walkthrough / turnover for on-post housing if applicable
- Transfer or schedule utility disconnect/connect dates
- Update your address with DEERS, banks, and insurance
Common mistake: Forgetting to schedule utility connection at the new home in advance — showing up to a house with no power is common and avoidable.
Get settled
- In-process at your gaining unit and register at the newcomers office
- Enroll kids in school and register vehicles if required by the state
- Confirm your BAH rate actually reflects your new duty station and dependency status
Common mistake: Not double-checking that BAH updated correctly on the first LES at the new station — pay errors are common right after a PCS.
Financing this move
Purchase information first, refinancing later — the order a relocating family actually needs it.
Eligibility
VA Loan Eligibility & Entitlement
Who qualifies, how entitlement is calculated, and how to pull your Certificate of Eligibility.
Read moreBuying here
Already have a VA loan?
The VA IRRRL Refinance
A streamlined refinance for veterans who already have a VA loan — when it helps and when it doesn't.
Read moreLooking for loan assumption or SCRA protections? Those live in the full VA Loan Center.
What a local would tell you
Traffic, weather, utilities, and the things that don't show up in a listing.
Weather
Coastal Georgia sits in hurricane country with tidal-marsh flooding that can affect low-lying streets — check an address's flood zone and elevation.
Insurance
Wind and flood coverage along the Georgia coast is a meaningful cost; get quotes before you commit to a lease or purchase.
Recreation
Cumberland Island National Seashore, reachable by ferry from St. Marys, offers wild beaches and feral horses, a defining local outing.
Veteran Resources
Naval Health Clinic Kings Bay provides care on base, with Naval Hospital Jacksonville and a Jacksonville VA outpatient clinic for fuller services.
Live data — coming soonThese notes are written editorially today. Live traffic, weather, and flood-zone data feeds are a planned future integration — see the README’s architecture notes.
Worth reading before you move
SCRA Protections During a PCS
Lease termination rights and interest rate caps every service member should know.
6 min read · Reviewed by Legal review panel
Leaving the Military: A Housing Timeline for Separation
You're not PCSing to a new duty station — here's what to plan for instead, and when.
9 min read · Reviewed by Transition & VA lending panel
EFMP and PCS: Why These Moves Take Longer
Your gaining installation has to be able to support your family member's needs before orders are final.
8 min read · Reviewed by PCS relocation panel
Shipping Your Pet and Vehicle During a PCS
What the military covers, what you pay for, and the quarantine paperwork that trips people up.
7 min read · Reviewed by PCS relocation panel
What to do next
Not a funnel — pick whichever actually moves you forward.
Two partners, only if you need them
Homebird
A PCS often means selling at your losing base and buying — or renting — at your gaining one, on a fixed timeline. Homebird runs the whole thing as one coordinated move: sourcing your listing agent and purchasing agent, a right-fit lender, movers, insurance, and getting your new place actually livable — utilities, internet, and home security — whether or not you have an employer relocation benefit.
- 1.Sell your current home — Listing agent sourced and managed for you.
- 2.Buy or rent at your next base — A purchasing agent who knows the area.
- 3.Move in and get connected — Movers, insurance, utilities, internet, and home security — coordinated on your timeline, not pieced together after you arrive.
Opens www.homebird.com in a new tab.
Salute Mortgage
Salute Mortgage is our financing partner for VA-eligible buyers — including as the right-fit lender inside a Homebird-coordinated move. Check eligibility, run the numbers, and talk to a licensed loan officer when you're ready, not before.
- 1.Confirm eligibility — Pull your Certificate of Eligibility.
- 2.Run the numbers — Compare VA financing against conventional.
- 3.Talk to a loan officer — Only when you're ready to move forward.
Opens salutemortgage.com in a new tab.
Salute Mortgage LLC — Company NMLS #2601951. Licensed in Arkansas, Colorado, Florida, Georgia, Kansas, Louisiana, Minnesota, Missouri, Oklahoma, Tennessee, Texas, and Wyoming. This is not an offer to enter into an agreement; not all customers will qualify; rates and programs are subject to change without notice. Equal Housing Opportunity. NMLS Consumer Access.