Naval Base Ventura County

BAH Calculator for Ventura County and VA Home Payment Estimator

Pick your pay grade to see your 2026 BAH, then plug in a home price, your down payment and the interest rate from your own loan quote. You will see the full monthly payment next to your BAH.

Your estimate

Loan amount with funding fee: $0
Principal and interest: Enter a rate
Property tax: $0
Insurance: $0
HOA and special tax: $0
Estimated monthly payment: $0
Your BAH: $0
Difference: $0

This is an estimate for planning only. It is not a loan offer, a quote or a commitment to lend, and it does not show or suggest any interest rate. Your actual payment depends on your credit, your loan terms, the property and current taxes and insurance. Property tax is entered as a yearly dollar amount, about 1.1 percent of the price in much of the county; check the tax bill for any home you like.

Send me homes at this price

2026 BAH for Port Hueneme and Point Mugu

Pay grade	With dependents	Without dependents
E-1 to E-4	$3,378	$2,652
E-5	$3,537	$3,018
E-6	$4,008	$3,228
E-7	$4,083	$3,381
E-8	$4,161	$3,636
E-9	$4,305	$3,771
W-1	$4,029	$3,333
W-2	$4,116	$3,633
W-3	$4,215	$3,789
W-4	$4,341	$4,020
W-5	$4,497	$4,101
O-1E	$4,095	$3,534
O-2E	$4,200	$3,741
O-3E	$4,365	$4,002
O-1	$3,600	$3,213
O-2	$4,002	$3,486
O-3	$4,212	$3,834
O-4	$4,545	$4,080
O-5	$4,788	$4,122
O-6	$4,830	$4,194
O-7	$4,866	$4,269

2026 BAH for the Ventura, CA (CA025) Military Housing Area, which covers Port Hueneme and Point Mugu. Effective January 1, 2026. BAH resets every January, so update this table each year. Confirm your own amount with your pay office.

How to read your number

BAH resets every January. If rates in your area drop, rate protection keeps your BAH where it is as long as you stay at the same duty station and your status does not change.

For many pay grades, BAH alone lands below the median house price here. That is normal on this coast, and it does not mean you cannot buy. Your whole income counts when you qualify, including base pay, BAS, special pays and a working spouse's income.

VA home loan basics that save real money

Zero down and no monthly mortgage insurance. With full entitlement there is no VA loan limit, even in a county this expensive.
The funding fee is 2.15 percent of the loan the first time you use a VA loan with less than 5 percent down, and 3.3 percent after that. It drops with 5 or 10 percent down. You can roll it into the loan, and it is waived if you receive VA disability compensation. The calculator adds it for you.
Seller help. The seller can pay your closing costs and add concessions up to 4 percent of the home's value.
Keep it when you leave. You can rent the home out on your next orders and buy again with your remaining entitlement.

Costs people forget

HOA dues on condos and townhomes, from under $200 to over $700 a month at the beach.
Mello-Roos special taxes in newer tracts like RiverPark in Oxnard.
Supplemental tax bill after you buy, when the county reassesses the home.
Insurance in fire hazard zones can cost more. Get a quote during your inspection period.

Questions families ask me

What is the 2026 BAH for Port Hueneme?

For 2026, E-1 to E-4 with dependents get $3,378 a month, E-5 gets $3,537, E-6 gets $4,008 and O-3 gets $4,212. Without dependents, E-5 gets $3,018.

Is BAH the same at Point Mugu and Port Hueneme?

Yes. Both are in the Ventura, CA Military Housing Area, CA025.

Why does the calculator not show an interest rate?

Rates change daily and depend on you. Enter the rate from your own written loan quote and the calculator does the rest.

Can I buy a house on BAH alone in Ventura County?

BAH alone usually covers a condo or townhome. Your whole household income counts when you qualify, so many buyers can do more.

Let me do the legwork before you land

Tell me your report date, your gate and what you want to spend. I will send homes that fit, tour them for you on live video and call you with the honest version of every street.

Call or text 805.404.3369