Naval Base Ventura County vs Presidio of Monterey
2026 BAH, cost of living, and housing compared side by side.
Naval Base Ventura County has the higher housing allowance ($3,537 vs $3,465 for an E-5 with dependents, a $72/month difference), reflecting its higher local cost of living. Presidio of Monterey is the more affordable market, where a housing allowance stretches further toward buying a home with a VA loan.
| Naval Base Ventura County | Presidio of Monterey | |
|---|---|---|
| Branch | Navy | Army |
| Location | Oxnard, CA | Monterey, CA |
| Personnel | 19,000+ | 7,000+ |
| Cost of living | Very high | Very high |
| E-5 BAH (w/dep) | $3,537 | $3,465 |
| E-7 BAH (w/dep) | $4,083 | $4,218 |
| O-3 BAH (w/dep) | $4,212 | $4,824 |
| Typical home price | $580k-$760k | $650k-$850k |
BAH source: DoD/DTMO 2026 rate tables (travel.dod.mil). Home prices are typical local ranges.
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