Moving to Naval Submarine Base Kings Bay
Housing, neighborhoods, schools, and 2026 BAH for families PCSing to St. Marys, Georgia.
Also known as: Kings Bay, SUBASE Kings Bay
Naval Submarine Base Kings Bay, on the southeast Georgia coast near the Florida line, is the Atlantic home of the Navy’s ballistic-missile (Trident) submarines. Families PCSing here settle in St. Marys and Kingsland right by the base or across the border in Fernandina Beach, Florida, in an affordable coastal market.
Last updated: 2026-07-19
On-base vs off-base housing
On-base housing serves families with the usual waitlists. Off-base, St. Marys and Kingsland sit closest with the most affordable inventory and the well-regarded Camden County schools, while Fernandina Beach across the Florida line offers beaches and no Florida state income tax for those willing to commute. Coastal Georgia prices are low, so buying is common.
Where military families live near Naval Submarine Base Kings Bay
Families PCSing to Naval Submarine Base Kings Bay most often settle in St. Marys, Kingsland, Fernandina Beach, FL. The table below shows typical rents, home prices, and drive time to the gate for each.
| Area | 3-bed rent | Home prices | To gate | Notes |
|---|---|---|---|---|
| St. Marys | $1,300-$1,800 | $240k-$350k | 10-20 min | Historic town closest to the base with Camden County schools. |
| Kingsland | $1,250-$1,750 | $230k-$330k | 10-20 min | Most inventory and amenities just west of St. Marys. |
| Fernandina Beach, FL | $1,600-$2,300 | $350k-$520k | 25-40 min | Beaches and no FL income tax across the border to the south. |
2026 BAH near Naval Submarine Base Kings Bay
Basic Allowance for Housing (BAH) at Naval Submarine Base Kings Bay is set by the GA074 (Kings Bay/Brunswick, GA) military housing area. Rates below are monthly, by pay grade, for 2026.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-5 | $2,133 | $1,806 |
| E-7 | $2,250 | $2,019 |
| O-3 | $2,418 | $2,157 |
Source: DoD/DTMO 2026 BAH rate table (travel.dod.mil), effective January 1, 2026.
Schools near Naval Submarine Base Kings Bay
| School | Level | District | Town |
|---|---|---|---|
| Camden County High School | High | Camden County Schools | Kingsland |
| St. Marys Middle School | Middle | Camden County Schools | St. Marys |
| Sugarmill Elementary | Elementary | Camden County Schools | St. Marys |
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Where do most families live near Kings Bay?
St. Marys and Kingsland, right by the base, have the most affordable homes and the well-regarded Camden County schools, making them the default. Fernandina Beach, across the border in Florida, offers beaches and no state income tax for families willing to commute 25 to 40 minutes for the coastal lifestyle.
Is the Kings Bay area affordable?
Yes. St. Marys, Kingsland, and coastal Camden County have home prices below the national average, so buying with a VA loan is realistic for most ranks. Camden County schools are a draw for families, and the historic small-town feel plus proximity to both Georgia and Florida coasts makes it a popular assignment.
Related bases
Naval Air Station Jacksonville
Jacksonville, Florida
NavyNaval Submarine Base New London
Groton, Connecticut
Side-by-side comparisons: Naval Submarine Base Kings Bay vs Naval Air Station JacksonvilleNaval Submarine Base Kings Bay vs Naval Submarine Base New London
More: Navy bases · Bases in Georgia