Naval Submarine Base Kings Bay vs Naval Submarine Base New London
2026 BAH, cost of living, and housing compared side by side.
Naval Submarine Base New London has the higher housing allowance ($2,580 vs $2,133 for an E-5 with dependents, a $447/month difference), reflecting its higher local cost of living. Naval Submarine Base Kings Bay is the more affordable market, where a housing allowance stretches further toward buying a home with a VA loan.
| Naval Submarine Base Kings Bay | Naval Submarine Base New London | |
|---|---|---|
| Branch | Navy | Navy |
| Location | St. Marys, GA | Groton, CT |
| Personnel | 10,000+ | 12,000+ |
| Cost of living | Moderate | High |
| E-5 BAH (w/dep) | $2,133 | $2,580 |
| E-7 BAH (w/dep) | $2,250 | $3,159 |
| O-3 BAH (w/dep) | $2,418 | $3,306 |
| Typical home price | $240k-$350k | $280k-$400k |
BAH source: DoD/DTMO 2026 rate tables (travel.dod.mil). Home prices are typical local ranges.
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