Homes near Naval Submarine Base Kings Bay
St. Marys, Kingsland and Camden County, Georgia
Naval Submarine Base Kings Bay is the Atlantic Fleet home port for the Navy's ballistic-missile (Trident)
submarines, on the Georgia coast in Camden County. Most of the base's housing market sits within a
fifteen-minute drive: St. Marys directly beside the gate, Kingsland along the I-95 corridor, and Woodbine
up the Satilla River. Jacksonville's airport is about 30 minutes south; the Florida-side options
(Yulee, Fernandina Beach, Amelia Island) are covered on our
Jacksonville military relocation guide.
Camden County's current median sale price is $319,900
(median days on market: 70, quarter 2026Q3).
The full 30-year series is on the
Camden County, GA market data page.
Where Kings Bay households buy, by the numbers
| Community | Median sale | Median DOM | $/sqft |
|---|
| Osprey Cove (St. Marys) | $499,900 | 91 | $217/sqft |
| Winding River (St. Marys) | $375,000 | 84 | $177/sqft |
| Sugarmill (St. Marys) | $284,500 | 44 | $172/sqft |
| Cumberland Harbour (St. Marys) | $625,000 | 121 | $299/sqft |
| The Estates of Sanctuary Cove (Waverly) | $480,000 | 154 | $215/sqft |
| The Meadows (Kingsland) | $253,950 | 45 | $186/sqft |
| Laurel Island-Laurel Landing (Kingsland) | $309,900 | 112 | $157/sqft |
| Settlers Hammock - Camden Co. (Kingsland) | $381,450 | 110 | $165/sqft |
| Sanctuary Cove (Waverly) | $602,000 | 92 | $264/sqft |
| Crooked River Plantation (St. Marys) | $255,000 | 61 | $167/sqft |
| Fiddler'S Cove (Kingsland) | $560,000 | 92 | $205/sqft |
| Laurel Island-Brookshire Ret (Kingsland) | $261,500 | 74 | $149/sqft |
Listing data provided by ScoutMLS® (Golden Isles Association of REALTORS®). The data is deemed reliable but is not guaranteed to be accurate by ScoutMLS. As of 2026-09-01. Medians are trailing-window aggregates; see each
community page for the full series.
BAH, VA loans and the practical stuff
Housing allowance changes annually; look up the current Kings Bay rate on the official
DoD BAH calculator rather than trusting a
stale number on a real estate site. VA loan funding fees and closing-cost rules are at
VA.gov. Georgia has no equivalent of Florida's
Save Our Homes cap; Camden County property taxes are assessed at 40 percent of fair market value
with a homestead exemption available on a primary residence (verify with the Camden County Tax
Assessor for the current year).
Explore the area
Browse every tracked community in the market on the
Golden Isles, Georgia hub, search live listings on the
for-sale map, or start with the busiest Camden communities above.
PCS timelines are tight; if you want a local set of eyes on a shortlist before you fly in,
call or use any inquiry form on the community pages.
What changed since September 1, 2026
Updated October 28, 2026. The community figures above are as of September 1, 2026. Here is the newer read for the towns closest to the gate. In Camden County, Georgia, Georgia MLS data on October 28, 2026 showed 406 active listings, 983 closings over the past 12 months, a median list price of $389,950, $193 per square foot, a median 42 days on market and 5.0 months of supply. By town, St. Marys had 264 active listings at a median list price of $440,000 and Kingsland 238 at $349,900.
| Area | Active | Pending | Sold, 12 mo | Median sold | Median list | Days on market | Months of supply |
|---|
| Nassau County | 576 | 180 | 1,516 | $430,000 | $499,000 | 76 | 4.6 (Balanced) |
| Tributary | 30 | 26 | 98 | $439,650 | $471,520 | 81 | 3.7 (Seller's market) |
| River Glen | 11 | 4 | 37 | $376,450 | $380,000 | 62 | 3.6 (Seller's market) |
| Heron Isles | 5 | 1 | 26 | $340,000 | $325,990 | 40 | 2.3 (Strong seller's market) |
On the Florida side, Nassau County had 576 active listings and 180 pending sales on October 28, 2026, with 1,516 closings over the past 12 months, a median sold price of $430,000, a median list price of $499,000 and 4.6 months of supply, which our scale reads as a balanced. Yulee had 188 active listings at a median list price of $419,900. Freddie Mac's survey for the week ending October 22, 2026 put the average 30-year fixed rate at 7.32%, after two weeks at 7.40%, the highest reading since late 2023; the 15-year average was 6.68%. VA loan pricing differs from the conventional average, so get a VA quote before comparing towns on payment.
What do homes cost near Kings Bay in late 2026?
On October 28, 2026 the median list price was $440,000 in St. Marys and $349,900 in Kingsland, Georgia, and $419,900 in Yulee, Florida. Camden County's median was $389,950 with 5.0 months of supply.
Is it cheaper to live in Georgia or Florida near Kings Bay?
On October 28, 2026 list prices, Kingsland was the lowest of the three towns, and Georgia has a state income tax while Florida does not. Compare total monthly cost, including property tax and insurance, for the specific homes you are considering.
Newer on this topic:
Sources: Momentum Realty, Georgia MLS (GAMLS) and regional MLS listing data as of October 28, 2026; Momentum Realty Market Pulse, computed from realMLS (NEFAR) listing data as of October 28, 2026; medians for list price, price per square foot and days on market use current active listings, and the median sold price uses closings over the past 12 months; Freddie Mac Primary Mortgage Market Survey, week ending October 22, 2026. Figures change daily; verify before relying on them. Equal Housing Opportunity.
Common questions
Is there a BAH rate for Jacksonville?
Yes. Basic Allowance for Housing is set by the Department of Defense for each location, rank, and dependency status. The 2026 rates took effect January 1, 2026 and rose about 4.2 percent on average. Look up your exact Jacksonville rate on the official DoD BAH tool by entering your zip code, pay grade, and dependents.
Can I buy in Jacksonville with a VA loan and no down payment?
Yes. A VA-backed loan requires no down payment and no monthly mortgage insurance. There is a one-time VA funding fee, which for first-time use with no down payment is 2.15 percent of the loan in 2026 (1.5 percent if you put down 5 percent or more). Borrowers receiving VA disability compensation are commonly exempt from the fee. Confirm your situation on VA.gov.
Which base is closest to the beaches?
NS Mayport. It sits on the coast at the mouth of the St. Johns River, so the Beaches communities (Atlantic Beach, Neptune Beach, Jacksonville Beach) and Ponte Vedra are the shortest commute.
Do I have to live on base?
No. Many service members use their BAH toward buying or renting off base. With a VA loan and no down payment, buying is often competitive with renting once you factor in Florida's homestead exemption and no state income tax. Run the numbers with our mortgage and property-tax tools.
