O-4 BAH in the Norfolk MHA (2026)
Official 2026 BAH for O-4 with dependents in the Norfolk Military Housing Area. Plus the max home price this rate supports on a VA loan and the Hampton Roads neighborhoods that fit best.
2026 BAH (with dependents)
$3,054
per month
Max home price
~$489,000
VA loan, 0% down
MHA
IZ325
Norfolk / Hampton Roads
The O-4 with-dependents rate of $3,054/mo applies uniformly across all Hampton Roads installations: Naval Station Norfolk, NAS Oceana, JEB Little Creek-Fort Story, Joint Base Langley-Eustis, Norfolk Naval Shipyard, NSA Hampton Roads, Naval Medical Center Portsmouth, and Coast Guard Base Portsmouth.
Source: Defense Travel Management Office BAH Calculator (Norfolk MHA, ZIP 23511). Verify your exact rate using your specific installation ZIP.
Who This Rate Fits
Lieutenant Commander / Major. Senior O-grade with established family.
At $3,054/mo, an O-4 with dependents can support a home around $489K. This opens up newer construction in Harbour View (Suffolk), East Beach (Norfolk), and most VB neighborhoods.
Max home price assumes 30-year fixed VA loan, current 2026 rates, no other significant debt, and BAH covering 100% of principal + interest + taxes + insurance. Actual approval depends on credit and lender overlays.
Listings That Fit Your O-4 BAH
Ready to get pre-approved?
I can connect you with a Hampton Roads VA-specialist lender and send a curated home list.
Sources: DTMO BAH Calculator; VA Home Loans; REIN MLS.