Fort Gregg-Adams vs Naval Station Norfolk
2026 BAH, cost of living, and housing compared side by side.
Naval Station Norfolk has the higher housing allowance ($2,430 vs $2,358 for an E-5 with dependents, a $72/month difference), reflecting its higher local cost of living. Fort Gregg-Adams is the more affordable market, where a housing allowance stretches further toward buying a home with a VA loan.
| Fort Gregg-Adams | Naval Station Norfolk | |
|---|---|---|
| Branch | Army | Navy |
| Location | Petersburg, VA | Norfolk, VA |
| Personnel | 34,000+ | 46,000+ |
| Cost of living | Moderate | High |
| E-5 BAH (w/dep) | $2,358 | $2,430 |
| E-7 BAH (w/dep) | $2,676 | $2,604 |
| O-3 BAH (w/dep) | $2,760 | $2,694 |
| Typical home price | $240k-$340k | $280k-$400k |
BAH source: DoD/DTMO 2026 rate tables (travel.dod.mil). Home prices are typical local ranges.
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