★ 5.0 · 117 Google Reviews · 441 Closings · 13 Years Experience · U.S. Navy Veteran
Special warfare. Expeditionary forces. SEAL teams. The most operationally demanding personnel in the Navy — and the families who deserve the right neighborhood when they finally come home.
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JEB Little Creek uses the Norfolk/Portsmouth MHA rate. These are the 2026 BAH rates, effective January 1, 2026. Senior enlisted and officer BAH comfortably covers mortgage payments on no-tunnel neighborhoods with a VA loan.
| Rank | With Dependents | Without Dependents | Notes |
|---|---|---|---|
| E-5 | $2,430 | $1,926 | Ocean View at $380K = ~$2,350/mo total |
| E-6 | $2,559 | $2,085 | Covered with VA loan |
| E-7 / E-8 | $2,604 | $2,139 | Covered — buy up if desired |
| O-3 / O-4 | $2,694 – $3,054 | $2,217 – $2,514 | Chic's Beach / East Beach range |
| O-5 / O-6 | $3,318+ | $2,730+ | Premium neighborhoods viable |
NSW note: Senior enlisted NSW rates (E-8 Master Chief, E-9) have some of the strongest BAH in the fleet. If you're a senior SEAL or NSW leader, your BAH should comfortably cover East Beach or Chic's Beach with a VA loan. Call John King at (757) 270-3994 to run specific numbers for your rank and situation.
JEB Little Creek sits between Virginia Beach and Norfolk — giving families more neighborhood options than almost any other installation in Hampton Roads.
The closest neighborhood to the main gate — Chic's Beach borders the base along Shore Drive, about 5 minutes out. Bay waterfront, golf cart community, Shore Drive restaurants. Popular with NSW families who want beach access and a Virginia Beach address. Median $425K.
See Chic's Beach market data →The closest Norfolk-side neighborhood, 10 minutes west. Chesapeake Bay access, no tunnel, Ocean View Beach and Fishing Pier. Median $380K. Most NSW families who prioritize value over the very shortest commute choose Ocean View.
See Ocean View market data →Virginia Beach schools, Lake Smith/Lake Lawson natural area, and good family infrastructure. Bayside sits alongside the base on the Shore Drive corridor — about 10 minutes to the gate with no tunnel. Median $365K.
See Bayside market data →New urbanist community with established school options and bayfront walkability. 15 minutes with zero tunnel. Median $829K — strong equity track record.
See East Beach market data →JEB Little Creek's location between Virginia Beach and Norfolk gives buyers access to two separate housing markets. Norfolk neighborhoods (Ocean View, East Beach) offer lower prices and no tunnel. Virginia Beach neighborhoods offer VBCPS zoning and historically strong appreciation historically.
| Area | Median | Commute | Tunnel? |
|---|---|---|---|
| Chic's Beach | $425K | 5 min | No |
| Ocean View | $380K | 10 min | No |
| Bayside VB | $365K | 10 min | No |
| East Beach | $829K | 15 min | No |
The JEB Little Creek advantage: Little Creek sits right on the Norfolk-Virginia Beach border, giving families immediate access to both cities without crossing a tunnel. Chic's Beach borders the base and is about 5 minutes from the gate; Bayside is roughly 10 minutes along the same Shore Drive corridor, both with Virginia Beach schools. Ocean View is 10 minutes west and East Beach 15 minutes west, with lower price points on the Norfolk side. That dual market access at short commute distances is what makes this base unique for housing flexibility.
5 min · Chic's Beach borders the base along Shore Drive — the shortest commute of any neighborhood. No tunnel, no backup.
10 min · Shore Drive east directly to the base. The cleanest commute on the Norfolk side. No tunnel, no toll.
10 min · Shore Drive or Northampton Blvd along the same corridor. No tunnel, consistent commute for Virginia Beach families.
15 min · East Beach Drive to Shore Drive east. Straightforward with no tunnel.
See where Joint Expeditionary Base Little Creek-Fort Story sits relative to the neighborhoods, exchanges, schools, and restaurants military families use daily.
JEB Little Creek sits along Shore Drive in northwest Virginia Beach, with Fort Story 10 miles east at Cape Henry. The base is bisected by Shore Drive with gates on both sides.
JEB Little Creek-Fort Story combines two installations with histories that stretch from the first English landing in 1607 to the beaches of Normandy. One sits at the gateway to the Chesapeake Bay. The other was carved from swamps and farmland to train the forces that stormed the shores of Europe and the Pacific.
In April 1607, the first English colonists made landfall at Cape Henry, the exact spot where Fort Story sits today. They explored the point at the entrance to the Chesapeake Bay before continuing up the James River to establish Jamestown. For three centuries, this strategic outcrop at the mouth of the harbor remained a coastal landmark and eventual military asset.
In 1914, after the Virginia General Assembly donated the Cape Henry land to the federal government, a military post named Fort Story was built as a coastal defense installation. Its commanding position over the entrance to the Chesapeake Bay made it an integral part of the harbor defense system. During World War I, it became part of the Coast Defenses of Chesapeake Bay.
On July 16, 1942, a Navy truck drove off the scenic Shore Drive highway and stopped in a waterlogged bean field of the Whitehurst farm. From that moment, over 4,000 acres of swamp and farmland along eight miles of beach became the training ground for a concept that had never been attempted at scale: the amphibious assault. Four camps were established — Camp Bradford for Seabees, Camp Shelton for armed guard training, the Frontier Base for personnel headed to Europe, and the Amphibious Training Base where tactics for ship to shore landings were developed, tested, and refined. Over 360,000 Navy, Army, and Marine personnel trained here before deploying to the beaches of North Africa, Sicily, Salerno, Anzio, and Normandy.
After the war, the four separate camps were consolidated into a single permanent installation: Naval Amphibious Base Little Creek, commissioned August 10, 1945, and designated permanent in 1946. Meanwhile, Fort Story shifted missions from coastal defense to caring for wounded soldiers returning from Europe, treating more than 13,000 patients at its hospital. In 1946, Fort Story became a Transportation Corps installation focused on logistics over the shore training.
On October 1, 2009, after a two year merger process under BRAC 2005, Naval Amphibious Base Little Creek and U.S. Army Fort Story became Joint Expeditionary Base Little Creek-Fort Story — the first joint base in Hampton Roads. The combined installation brought together the Navy's premier East Coast amphibious operations hub with the Army's unique coastal and logistics training environment.
JEB Little Creek-Fort Story today supports over 18,000 personnel across 155 resident commands and 18 home-ported ships. It is the major East Coast operating base for expeditionary forces, home to Naval Special Warfare Group TWO (Navy SEALs), the Naval School of Music, and the only bare beach Joint Logistics Over the Shore training site in the Department of Defense. Fort Story's 1,451 acres at Cape Henry provide maritime forest, sand dunes, and both Bay and Atlantic surf for training that cannot be replicated anywhere else.
Run numbers on homes near JEB Little Creek. Ocean View and East Beach homes often fit comfortably within BAH with a VA loan at 0% down.
Estimates only · Tax 1.1% VA rate · Insurance 0.5% · VA loan guide →
Ready for real numbers? Free home valuation → or call (757) 270-3994
Little Creek sits between two of the faster submarkets in my record. Families leaving the base have a genuine choice between selling into that demand and holding the home as a rental in an area with a reliable military tenant base. These are the figures that should decide it.
Selling costs 7 to 9 percent of the price, and my repeat sales appreciated at a median of 6.25 percent a year. A tour that turns into a sale after two years is close to break-even in a strong market and a loss in a flat one. Beyond three or four years the calculus usually reverses.
Proximity to Little Creek and Naval Station Norfolk sustains tenant demand through market cycles. That is the real argument for keeping the home — but it makes you a landlord at distance, which is a decision about your appetite as much as your arithmetic.
Renting the home out with the VA loan in place generally leaves part of your entitlement committed, which can restrict what you can buy at the next base without money down. Selling restores it in full.
Figures come from John King’s own REIN MLS closing record — 428 MLS-recorded closings, 2014–2026 — not a regional average. ZIP-level figures cover every closing recorded in that ZIP code, which is a wider area than this one neighborhood; sample sizes are shown so you can weigh them. Past results do not predict what any individual home will do.
Straight answers to the questions military families ask most about housing, BAH, schools, and buying near the base.
Click any neighborhood for live market data, school ratings, commute times, and a mortgage calculator.
PCS guides, VA loan resources, and Hampton Roads market data from a Navy veteran who knows the installation.
Operational schedule making it impossible to house-hunt in person? John King helped a NSW family tour homes remotely and go under contract without a single in-person visit.
Award-winning new urbanist neighborhood, 15 minutes from JEB Little Creek with no tunnel. Front porches, walkable streets, and bayfront access.
Bay waterfront, Shore Drive dining, and a community feel that NSW families consistently choose — with the shortest commute to the base of any neighborhood. Here's why.

I served five years as a Machinist Mate in the Navy. I know what PCS season feels like, what BAH actually covers, and what it means to need the right house in the right neighborhood — fast. Let me put that experience to work for you.
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