How does USMilitaryMoves work?

USMilitaryMoves connects military families with verified veteran and military-spouse real estate agents. Families browse agents for free, submit referrals, and get matched with agents who understand VA loans, BAH, and PCS timelines. The platform is completely free, no fees, no commissions, no catch.

Is USMilitaryMoves free for military families?

Yes, completely free for military families and for agents. There are no fees, no subscriptions, no commissions, and no obligations. This platform exists solely to serve the military community.

What is BAH and how is it calculated?

BAH (Basic Allowance for Housing) is a monthly tax-free housing stipend paid to service members who live off base. It is calculated based on three factors: your paygrade (rank), your duty station zip code, and whether you have dependents. BAH is set annually by the Department of Defense and is designed to cover median housing costs in each local market. Use the free BAH Calculator at usmilitarymoves.com/bah-calculator to look up rates by rank and installation.

What is a VA loan and can I use it more than once?

A VA loan is a mortgage benefit for eligible veterans, active-duty service members, and surviving spouses, backed by the Department of Veterans Affairs. Key benefits include no down payment required, no private mortgage insurance (PMI), competitive interest rates, and no prepayment penalties. Yes, you can use your VA loan benefit multiple times as long as you have remaining entitlement or have paid off and restored a previous VA loan.

What is PCS and how long does a PCS move take to plan?

PCS stands for Permanent Change of Station, the military's process of ordering a service member to relocate to a new duty assignment. Ideally, PCS planning begins 6 months before your report date. Key milestones include receiving orders, submitting housing applications, completing a house-hunting trip, locking in housing, coordinating TMO or DITY move logistics, and in-processing at the gaining unit. Use the free PCS Mission Planner at usmilitarymoves.com/pcs-planner to generate a personalized T-minus timeline.

How do I find a military-friendly real estate agent at my new duty station?

Browse our verified agent directory at usmilitarymoves.com/agents. Every agent in the network has been identity-verified as a veteran or military spouse. You can filter by state, installation, branch of service, and VA loan experience. Each agent profile shows their military background, transaction history, and reviews from military families they have served.

What military installations have base guides on USMilitaryMoves?

USMilitaryMoves publishes comprehensive PCS guides for major military installations including Fort Liberty (Fort Bragg) NC, Camp Pendleton CA, Joint Base Lewis-McChord WA, Fort Campbell KY, Joint Base San Antonio TX, Naval Station Norfolk VA, Joint Base Charleston SC, Fort Carson CO, and MacDill AFB FL. Each guide covers neighborhoods, school ratings, BAH rates, housing intel, commute tips, and insider advice from military families. Find all base guides at usmilitarymoves.com/bases.

What is the difference between a DITY move and a government move (TMO)?

A government move (TMO or Transportation Management Office move) means the military contracts and pays movers to pack and transport your household goods. A DITY move (Do-It-Yourself, now called PPM, Personally Procured Move) means you move your own belongings and the military reimburses you based on the weight you move. A hybrid move combines both: the government ships large items and you move the rest for additional reimbursement. DITY moves can result in profit if you move efficiently, but require more planning and effort.

Can military families use their BAH to pay a mortgage?

Yes, many military families use their BAH allowance to cover their mortgage payment. With a VA loan, you can purchase a home with zero down payment and no PMI, which often results in a monthly payment comparable to or lower than local rents. A verified military real estate agent can help you determine whether your BAH will cover a mortgage payment in your new duty station market.

Who can submit a referral on USMilitaryMoves?

Anyone can submit a referral on USMilitaryMoves, no real estate license required. Military family members, command spouse leaders, chaplains, VA loan officers, out-of-area agents, and community members are all eligible. It's free to submit and free for the family. Submit a referral at usmilitarymoves.com/refer.

Navy10,000+

SUBASE Kings Bay

Naval Submarine Base Kings Bay · Kings Bay, Georgia

Naval Submarine Base Kings Bay is the Atlantic Fleet homeport for Ohio-class Trident ballistic missile submarines, making it one of the most strategically significant installations in the US Navy. Located on the Georgia coast near the Florida border, the base offers a low cost of living, mild winters, and access to beautiful barrier island beaches. Jacksonville, Florida is approximately 40 miles south, providing a large metro area for shopping, dining, and employment.

E-5 BAH: $1,527
O-3 BAH: $1,971
Avg Home Price: $295,000
Branch: Navy

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Neighborhoods

St. Marys

Small town

$1,100 to $1,500/mo

Gateway community to the base, affordable, historic downtown

Kingsland

Suburban

$1,200 to $1,600/mo

Most popular with military families, good schools, new construction available

Woodbine

Rural/suburban

$950 to $1,300/mo

Very affordable, larger lots, 20 minute drive to base

Fernandina Beach FL

Beach community

$1,400 to $1,900/mo

Amelia Island, Florida side of border, beautiful beaches, slightly longer commute

Schools

Camden County High School

Grades 9-12

Largest high school in the county, good JROTC program

Sugarmill Elementary School

Grades K-5

Strong military family enrollment, supportive staff

Saint Marys Elementary School

Grades K-5

Small-town atmosphere, engaged community

Housing Intel

On-Post Housing

Privatized family housing available on base through Lincoln Military Housing

Off-Post Rental Market

Kingsland and St. Marys are affordable and popular; new subdivisions built regularly for military demand

Commute

Kingsland and St. Marys are under 15 minutes from the main gate. Fernandina Beach runs 30 to 40 minutes.

Installation Highlights

Homeport for Ohio-class Trident SSBNs, the backbone of US strategic nuclear deterrence
Low cost of living with affordable housing and no Georgia income tax on military pay
Cumberland Island National Seashore accessible by ferry, wild horses and pristine beaches
Warm climate year-round with mild winters compared to most Navy homeports
Jacksonville FL metro only 40 miles away for major shopping, hospitals, and entertainment

Insider Tips

Kings Bay has some of the lowest BAH in the Navy; if buying, keep your mortgage payment well within your BAH
Get a recreation pass for Cumberland Island ferry access, it is one of the most spectacular places on the East Coast
Jacksonville FL provides access to large commissary and exchange facilities at NAS Jacksonville
Hurricane preparedness is essential; have a plan and supply kit ready by June each year
The submarine deployment cycles are long; connect with the SSBN Family Readiness groups before your sailor deploys

Nearby Attractions

Cumberland Island National Seashore and wild horse beaches
Amelia Island and Fernandina Beach historic district
Jacksonville Zoo and Gardens
Okefenokee Swamp National Wildlife Refuge
St. Augustine FL, oldest city in the United States

School Liaison Officer

Free support for military families navigating school enrollment, records transfers, and education options near Naval Submarine Base Kings Bay.

Phone: 912-573-3483
Hours: Mon to Fri 0730 to 1630

Moving to Kings Bay?

Find a verified veteran or military spouse Realtor who knows Naval Submarine Base Kings Bay and the local VA loan market.

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Did We Miss Something?

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