Naval Base San Diego vs Naval Base Ventura County
2026 BAH, cost of living, and housing compared side by side.
Naval Base San Diego has the higher housing allowance ($3,975 vs $3,537 for an E-5 with dependents, a $438/month difference), reflecting its higher local cost of living. Naval Base Ventura County is the more affordable market, where a housing allowance stretches further toward buying a home with a VA loan.
| Naval Base San Diego | Naval Base Ventura County | |
|---|---|---|
| Branch | Navy | Navy |
| Location | San Diego, CA | Oxnard, CA |
| Personnel | 45,000+ | 19,000+ |
| Cost of living | Very high | Very high |
| E-5 BAH (w/dep) | $3,975 | $3,537 |
| E-7 BAH (w/dep) | $4,446 | $4,083 |
| O-3 BAH (w/dep) | $4,518 | $4,212 |
| Typical home price | $720k-$920k | $580k-$760k |
BAH source: DoD/DTMO 2026 rate tables (travel.dod.mil). Home prices are typical local ranges.
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