Military Relocation Hub
PCSing to the Pensacola area? We'll help you land.
Military families are a big part of who we serve on the Gulf Coast. We know the bases, the commutes, the neighborhoods, and what it takes to buy a home when your orders say one thing and your calendar says another. Wherever you are right now, another duty station, overseas, or already here, we'll build the move around your timeline.
Bases We Serve
Where you live sets your commute and your school zone. Here's how the local map lines up with each installation.
NAS Pensacola
The Cradle of Naval Aviation, on the southwest side of Pensacola. Home to flight training, NATTC, and the Blue Angels.
Most of west Pensacola and Bellview is 15–25 minutes via Navy Blvd or Blue Angel Pkwy. Downtown and East Hill run 20–30 minutes.
Corry Station
Center for Information Warfare Training, just northwest of NAS Pensacola. The two bases are reached from most of the same areas.
West Pensacola and Bellview are typically 10–20 minutes, and East Hill and Cordova Park 15–25. Communities across the bay (Gulf Breeze, Pensacola Beach) run 25–35 minutes because the route crosses the Three Mile Bridge.
NAS Whiting Field
Primary flight training in Milton, in northern Santa Rosa County, one of the busiest aviation complexes in the Navy.
Milton and Pace are 10–25 minutes from the gate. Gulf Breeze is doable, but plan on 40+ minutes.
Hurlburt Field / Eglin AFB
Air Force Special Operations and the sprawling Eglin complex to our east, along the Highway 98 corridor.
Navarre is 20–30 minutes from Hurlburt Field. Eglin adds 10–20 minutes depending on your gate.
Commute times are general estimates and vary with traffic, gate, and time of day. In keeping with fair housing law, we'll share objective area information and let you decide what fits your family best.
Public School Data
School Zones by Area
Your home address determines your school zone. Here is which public school district serves each part of our service area, with a link to each district to confirm the schools for a specific address.
Santa Rosa County School District
Serves: Milton, Pace, Navarre, Gulf Breeze and Holley-Navarre. Nearest installations: NAS Whiting Field, Hurlburt Field and Eglin AFB.
| School Name | Grades Served | Area Served |
|---|---|---|
| Pace Elementary | K-4 | Pace |
| S.S. Dixon Primary | PK-4 | Pace |
| Avalon Middle | 5-8 | Pace, Milton |
| King Middle | 5-8 | Milton |
| Pace High | 9-12 | Pace |
| Milton High | 9-12 | Milton |
| Gulf Breeze Elementary | K-4 | Gulf Breeze |
| Gulf Breeze Middle | 5-8 | Gulf Breeze |
| Gulf Breeze High | 9-12 | Gulf Breeze |
| Holley-Navarre Primary | PK-2 | Navarre |
| Holley-Navarre Intermediate | 3-4 | Navarre |
| Navarre Middle | 5-8 | Navarre |
| Navarre High | 9-12 | Navarre |
Verify Your School Zone
School assignments are based on your specific home address, not just the community name. Zones change periodically. Always verify directly with the district before making a decision based on school assignment.
This table lists public schools in each district and the general area each one serves. It is not a zoning map. School zone assignments are determined solely by residential address and may be changed by the district at any time, so verify current zoning directly with the applicable school district before making any decision.
Pelican Realty & Co. provides this information as objective public data uniformly across all communities in our service area. We do not recommend, endorse, or rate any school or district, and we do not use school performance data to direct clients toward or away from any neighborhood. In accordance with the Fair Housing Act, housing recommendations from our team are based solely on your stated preferences regarding property type, budget, location, and lifestyle, never on the demographic composition of any area or school.
For official school performance data, visit the Florida Department of Education School Accountability Reports at fldoe.org.
New to the area? Build your home search.
Tell us your budget, home type, and must-haves in five quick questions and we'll show you live listings that match, then save it as an alert while you wait on orders.
How We Help Remote Buyers
You can't always house-hunt in person when orders drop. Our process is built for buyers who are somewhere else right now.
Video Tours On Your Schedule
We record detailed walkthrough videos of homes you shortlist, the good, the bad, and the closet sizes, so you can review them on your own time, in any time zone.
Agent-Guided Virtual Showings
Live video showings where your agent is your eyes on the ground: opening the electrical panel, checking the water pressure, and answering questions in real time.
Digital Document Handling
Offers, disclosures, and closing paperwork handled electronically. Remote and mail-away closings are routine here, you do not need to be in Florida to close.
Buying Sight-Unseen
Many of our military clients buy from another duty station or overseas. We build in protections, inspections, walkthrough videos before closing, and honest advice on when to walk away.
PCS Timeline Planner
Enter your report-not-later-than date and we'll sketch a suggested buying timeline working backward from it. This is a general guide, every move is different, and we'll tailor the real plan together.
This planner is a general educational guide, not a commitment or schedule; actual timelines depend on financing, inspections, and market conditions. Figures are estimates derived from available MLS data for informational purposes only, are not guaranteed, and should not be relied upon as an appraisal or professional advice.
VA Loan Basics
If you've earned the VA loan benefit, it's one of the strongest tools in home buying. Here's the plain-language version of how it works.
No Down Payment (In Most Cases)
Qualified buyers can typically finance 100% of the purchase price on a VA loan, no down payment required. You can still choose to put money down to lower your monthly payment.
No Private Mortgage Insurance
Conventional loans usually require PMI when you put less than 20% down. VA loans don't carry PMI at all, which often makes the monthly payment meaningfully lower.
The Funding Fee, In Plain Language
Instead of PMI, most VA loans include a one-time funding fee (a percentage of the loan that varies with your down payment and whether it's your first VA loan). It can usually be rolled into the loan, and some buyers, including many with service-connected disability ratings, are exempt.
This is general education, not lending advice or loan pre-qualification. Eligibility, rates, funding fee amounts, and loan terms are determined by VA-approved lenders and the Department of Veterans Affairs. Talk to a VA-approved lender for specifics on your situation, we're glad to introduce you to lenders our clients have worked with.
Fair housing & lending: These figures are informational estimates only, not a lending decision, loan offer, or extension of credit. Pelican Realty & Co. provides all housing services in accordance with the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap (disability), familial status, national origin, or any other protected class.
BAH vs. Mortgage
Compare your monthly housing allowance against an estimated monthly payment at a given home price. All figures are estimates.
2026 BAH Rates — effective Jan 1, 2026
Rates shown: Pensacola Military Housing Area (FL064)
VA loans typically allow 0% down for qualified buyers.
Monthly BAH (2026)
$1,863
E-5, with dependents · Pensacola Military Housing Area (FL064)
Est. Monthly Payment
$2,693
P&I $2,270 · Taxes $321 · Insurance $102
This estimated payment runs about $830/mo above your BAH, worth discussing with a lender before you commit.
BAH rates are set annually by the DoD and vary by location, grade, and dependency status. Payment figures use typical local tax and insurance assumptions and exclude HOA dues and the VA funding fee. Figures are estimates derived from available MLS data for informational purposes only, are not guaranteed, and should not be relied upon as an appraisal or professional advice.
BAH rates are set annually by the U.S. Department of Defense and vary by pay grade, dependency status, and location. These 2026 figures are estimates for informational purposes only and are not financial, lending, or housing advice. Rates shown reflect the Pensacola (FL064) Military Housing Area. Confirm your exact rate at the official DoD BAH calculator (travel.dod.mil) and consult a lender and your finance office before making housing decisions. Pelican Realty & Co. is not affiliated with or endorsed by the Department of Defense or any branch of the U.S. military.
Fair housing & lending: These figures are informational estimates only, not a lending decision, loan offer, or extension of credit. Pelican Realty & Co. provides all housing services in accordance with the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap (disability), familial status, national origin, or any other protected class.
Get a PCS Game Plan
Tell us your report date and where you're headed. We'll follow up with a timeline built around your move, no pressure, no spam.
Frequently Asked Questions About PCSing to Pensacola
Moving from out of state?
Route-specific guides with the drive and flight logistics, the income tax change, Florida insurance mechanics, and live Pensacola-area inventory.