Compare military bases / NAS Whidbey Island → NAS Key West
Whidbey → Key West
Compare NAS Whidbey Island and NAS Key West
Will my BAH (Basic Allowance for Housing) go up or down if I move from NAS Whidbey Island to NAS Key West?
This calculator uses 2026 DTMO (Defense Travel Management Office) rates for selected pay grade and dependent status.
Monthly BAH at E-5 pay grade without dependents.
- NAS Whidbey Island
- $1,905
- NAS Key West
- $3,459
- Higher BAH at NAS Key West
BAH vs typical 2-bedroom rent nearby.
- NAS Whidbey Island
- $285/mo left over
- NAS Key West
- $959/mo left over
Housing just outside the gate: Oak Harbor vs Key West
Rents shown on table are the 40th-percentile for 2 and 3 bedroom figures for the residential ZIP code nearest the base.
| NAS Whidbey Island Oak Harbor 98277 | NAS Key West Key West 33041 | |
|---|---|---|
| Median home value (city) | $461,200 | $852,400 |
| Median gross rent (city) | $1,645/mo | $2,220 |
| HUD ZIP 2-BR rent | $1,620/mo | $2,500 |
| HUD ZIP 3-BR rent | $2,250/mo | $3,300 |
| HUD metro 2-BR rent (wider area) | $1,671/mo | $2,504 |
| E-5 without dependents minus 2-BR | +$285/mo | +$959/mo |
| E-5 with dependents minus 3-BR | −$177/mo | +$669/mo |
E-5 without dependents vs a HUD 2-bedroom is +$285/mo at NAS Whidbey Island vs +$959/mo at NAS Key West. E-5 with dependents vs a 3-bedroom is −$177/mo vs +$669/mo.
Host-state comparison: Washington vs. Florida
| Washington | Florida | |
|---|---|---|
| Sales tax | 9.51% | 6.98% |
| Property tax | 0.75% | 0.78% |
| Personal property tax | No | No |
| Top state income tax | 0.0% | 0.0% |
| Median home value | $609,756 | $378,667 |
| Branch | Navy | Navy |
| HUD 2-BR FMR | $1,671 | $2,504 |
| Climate high/low | 59° / 45°F | 84° / 74°F |
| Annual precip | 19.9 in | 40.4 in |
| Nearby city | Oak Harbor | Key West |
| Host state | Washington | Florida |
Click here for the full state comparison: Washington → Florida
PCS checklist for NAS Key West
- Update DEERS. BAH at NAS Key West uses MHA FL069 (ZIP 33040).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near NAS Key West is $2,504/mo. On-base housing is separate.
- New Florida residents typically have 30 days for a license and 30 days to title a car.
- Reporting: NAS Key West.
Biggest differences
- E-5 with-dependents BAH is higher at NAS Key West ($3,969 vs $2,073).
- Median owner-occupied home value in the off-base city is $852,400 in Key West vs $461,200 in Oak Harbor (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $2,500 in 33041 vs $1,620 in 98277.
- Combined sales tax averages 6.98% in Florida vs 9.51% in Washington.
Common questions
Does BAH go up from NAS Whidbey Island to NAS Key West?
DTMO CY2026 with- and without-dependents rates for every pay grade are in the BAH table on this page. E-5 with dependents: $2,073 vs $3,969; without dependents: $1,905 vs $3,459.
What is local rent like near NAS Key West?
HUD FY2026 Small Area FMR for ZIP 33041 (Key West) is $2,500/mo for a 2-bedroom and $3,300/mo for a 3-bedroom. The wider metro 2-BR FMR is $2,504/mo.
Will BAH cover off-base rent if I PCS from NAS Whidbey Island to NAS Key West?
E-5 without dependents minus a HUD 2-bedroom is +$285/mo at NAS Whidbey Island vs +$959/mo at NAS Key West. E-5 with dependents minus a 3-bedroom is −$177/mo vs +$669/mo. Use the calculator for other pay grades. Actual listings vary; BAH is untaxed housing pay, not a rent cap.
How does sales tax near NAS Key West compare with NAS Whidbey Island?
Combined sales tax averages 6.98% in Florida vs 9.51% in Washington. This follows where you live, not legal residence for military pay.
What do homes cost in Oak Harbor vs Key West?
Census ACS 5-year (2020–2024) median value of owner-occupied homes is $461,200 in Oak Harbor city, Washington vs $852,400 in Key West city, Florida. Median gross rent in those cities is $1,645 vs $2,220. These are city medians (owners’ reported values), not last month’s sale prices.
How different is the climate from NAS Whidbey Island to NAS Key West?
Annual normals at Whidbey Island NAS (NWS) are 59° / 45°F and 19.9 in of precipitation vs 84° / 74°F and 40.4 in at Key West Intl (NWS) (NOAA 1991–2020).
Related PCS
Your PCS
Only destinations that share a service with the origin are listed.
Sources
Housing figures below are for the installation (MHA, HUD rent, climate). Host-state tax rates are statewide averages — not a tax return. County add-ons can differ, and wage tax on military pay follows legal residence, not the duty station.
- BAH (with and without dependents). DTMO CY2026 BAH tables for NAS Whidbey Island (WA312); NAS Key West (FL069). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — Island County $1,671; Monroe County $2,504.
- Off-base ZIP rent (HUD Small Area FMR). FY2026 ZIP 2- and 3-bedroom 40th-percentile rents from the HUD Small Area FMR tables: 98277 (Oak Harbor) $1,620 / $2,250; 33041 (Key West) $2,500 / $3,300.
- Off-base city home value and rent. U.S. Census Bureau American Community Survey 5-year 2020–2024 tables B25077 (median value of owner-occupied homes) and B25064 (median gross rent) for Oak Harbor city, Washington ($461,200, $1,645/mo) and Key West city, Florida ($852,400, $2,220/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — Whidbey Island NAS (NWS) (USW00024255); Key West Intl (NWS) (USW00012836).
- Host-state wage tax. Statewide listed rates for Washington and Florida from the Tax Foundation 2026 individual income-tax tables. On this page they describe the host state, not automatically the tax on a military LES (legal residence can stay put). BAH is untaxed.
- Combined sales tax near the installation. Tax Foundation January 2026 state-and-local sales-tax averages for Washington and Florida. Used as an off-base shopping stand-in; city and county add-ons vary.
- Effective property tax if you buy off-base. Tax Foundation 2026 property taxes by state for Washington and Florida. On-base housing is not in this figure.
- Vehicle title tax and new-resident clocks. Washington motor-vehicle agency (license 30 days, title 30 days; title tax 6.50%); Florida motor-vehicle agency (license 30 days, title 30 days; title tax 6.00%). These are host-state motor-vehicle rules, not BAH.
- Vehicle personal-property tax on the host-state snapshot. WalletHub 2026 vehicle property-tax table for Washington and Florida. This is a statewide car-tax flag, not real-estate tax and not BAH.
- Statewide median home value on the host-state snapshot. Experian / Zillow March 2026 state medians for Washington and Florida. Backdrop for off-base purchase prices; on-base housing and BAH are separate.