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

CommunityMedian saleMedian DOM$/sqft
Osprey Cove (St. Marys)$499,90091$217/sqft
Winding River (St. Marys)$375,00084$177/sqft
Sugarmill (St. Marys)$284,50044$172/sqft
Cumberland Harbour (St. Marys)$625,000121$299/sqft
The Estates of Sanctuary Cove (Waverly)$480,000154$215/sqft
The Meadows (Kingsland)$253,95045$186/sqft
Laurel Island-Laurel Landing (Kingsland)$309,900112$157/sqft
Settlers Hammock - Camden Co. (Kingsland)$381,450110$165/sqft
Sanctuary Cove (Waverly)$602,00092$264/sqft
Crooked River Plantation (St. Marys)$255,00061$167/sqft
Fiddler'S Cove (Kingsland)$560,00092$205/sqft
Laurel Island-Brookshire Ret (Kingsland)$261,50074$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.

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.