Compare military bases / Naval Base San Diego → NAS Pensacola
NBSD → NASP
Compare Naval Base San Diego and NAS Pensacola
Will my BAH (Basic Allowance for Housing) go up or down if I move from Naval Base San Diego to NAS Pensacola?
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.
- Naval Base San Diego
- $3,147
- NAS Pensacola
- $1,644
- Lower BAH at NAS Pensacola
BAH vs typical 2-bedroom rent nearby.
- Naval Base San Diego
- $727/mo left over
- NAS Pensacola
- $26/mo short
Housing just outside the gate: San Diego vs Pensacola
Rents shown on table are the 40th-percentile for 2 and 3 bedroom figures for the residential ZIP code nearest the base.
| Naval Base San Diego San Diego 92113 | NAS Pensacola Pensacola 32507 | |
|---|---|---|
| Median home value (city) | $906,700 | $314,400 |
| Median gross rent (city) | $2,313/mo | $1,322 |
| HUD ZIP 2-BR rent | $2,420/mo | $1,670 |
| HUD ZIP 3-BR rent | $3,220/mo | $2,220 |
| HUD metro 2-BR rent (wider area) | $3,001/mo | $1,471 |
| E-5 without dependents minus 2-BR | +$727/mo | −$26/mo |
| E-5 with dependents minus 3-BR | +$755/mo | −$357/mo |
E-5 without dependents vs a HUD 2-bedroom is +$727/mo at Naval Base San Diego vs −$26/mo at NAS Pensacola. E-5 with dependents vs a 3-bedroom is +$755/mo vs −$357/mo.
Host-state comparison: California vs. Florida
| California | Florida | |
|---|---|---|
| Sales tax | 8.99% | 6.98% |
| Property tax | 0.70% | 0.78% |
| Personal property tax | Yes — 0.65% effective | No |
| Top state income tax | 13.3% | 0.0% |
| Median home value | $778,217 | $378,667 |
| Branch | Navy | Navy |
| HUD 2-BR FMR | $3,001 | $1,471 |
| Climate high/low | 71° / 58°F | 84° / 71°F |
| Annual precip | 9.8 in | 67.4 in |
| Nearby city | San Diego | Pensacola |
| Host state | California | Florida |
Click here for the full state comparison: California → Florida
PCS checklist for NAS Pensacola
- Update DEERS. BAH at NAS Pensacola uses MHA FL064 (ZIP 32508).
- Look up your exact rate on the DTMO BAH lookup.
- HUD 2-bedroom FMR near NAS Pensacola is $1,471/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 Pensacola.
Biggest differences
- E-5 with-dependents BAH is lower at NAS Pensacola ($1,863 vs $3,975).
- Median owner-occupied home value in the off-base city is $314,400 in Pensacola vs $906,700 in San Diego (Census ACS 5-year, 2020–2024).
- HUD ZIP 2-bedroom rent just outside the gate is $1,670 in 32507 vs $2,420 in 92113.
- Host-state wage tax is 1%–12.3%, plus 1% over $1M (13.3% top) in California vs No personal income tax in Florida (military pay usually follows legal residence, not the duty station).
- Combined sales tax averages 6.98% in Florida vs 8.99% in California.
Common questions
Does BAH go down from Naval Base San Diego to NAS Pensacola?
DTMO CY2026 with- and without-dependents rates for every pay grade are in the BAH table on this page. E-5 with dependents: $3,975 vs $1,863; without dependents: $3,147 vs $1,644.
What is local rent like near NAS Pensacola?
HUD FY2026 Small Area FMR for ZIP 32507 (Pensacola) is $1,670/mo for a 2-bedroom and $2,220/mo for a 3-bedroom. The wider metro 2-BR FMR is $1,471/mo.
Will BAH cover off-base rent if I PCS from Naval Base San Diego to NAS Pensacola?
E-5 without dependents minus a HUD 2-bedroom is +$727/mo at Naval Base San Diego vs −$26/mo at NAS Pensacola. E-5 with dependents minus a 3-bedroom is +$755/mo vs −$357/mo. Use the calculator for other pay grades. Actual listings vary; BAH is untaxed housing pay, not a rent cap.
Does my state income tax change if I PCS from Naval Base San Diego to NAS Pensacola?
Usually not just because the duty station changes. Military pay generally follows legal residence under the Servicemembers Civil Relief Act; spouses may have similar protection. California: 1%–12.3%, plus 1% over $1M (13.3% top). Florida: No personal income tax. BAH is not taxed. Sales tax and titling a car follow the state you live in.
How does sales tax near NAS Pensacola compare with Naval Base San Diego?
Combined sales tax averages 6.98% in Florida vs 8.99% in California. This follows where you live, not legal residence for military pay.
How different is the climate from Naval Base San Diego to NAS Pensacola?
Annual normals at San Diego Intl (NWS) are 71° / 58°F and 9.8 in of precipitation vs 84° / 71°F and 67.4 in at Pensacola Intl (NWS) (NOAA 1991–2020).
What do homes cost in San Diego vs Pensacola?
Census ACS 5-year (2020–2024) median value of owner-occupied homes is $906,700 in San Diego city, California vs $314,400 in Pensacola city, Florida. Median gross rent in those cities is $2,313 vs $1,322. These are city medians (owners’ reported values), not last month’s sale prices.
Related PCS
NAS Pensacola → Naval Base San Diego · Naval Station Norfolk → Naval Base San Diego
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 Naval Base San Diego (CA038); NAS Pensacola (FL064). Confirm current rates on the DTMO BAH lookup.
- 2-bedroom Fair Market Rent. HUD FY2026 FMR — San Diego County $3,001; Escambia County $1,471.
- Off-base ZIP rent (HUD Small Area FMR). FY2026 ZIP 2- and 3-bedroom 40th-percentile rents from the HUD Small Area FMR tables: 92113 (San Diego) $2,420 / $3,220; 32507 (Pensacola) $1,670 / $2,220.
- 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 San Diego city, California ($906,700, $2,313/mo) and Pensacola city, Florida ($314,400, $1,322/mo). Owner-reported values, not transaction prices.
- Climate normals (1991–2020). NOAA NCEI U.S. Climate Normals — San Diego Intl (NWS) (USW00023188); Pensacola Intl (NWS) (USW00012839).
- Host-state wage tax. Statewide listed rates for California 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 California 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 California and Florida. On-base housing is not in this figure.
- Vehicle title tax and new-resident clocks. California motor-vehicle agency (license 10 days, title 20 days; title tax 7.25%); 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 California 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 California and Florida. Backdrop for off-base purchase prices; on-base housing and BAH are separate.