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Joint Base Andrews-Naval Air Facility Washington

Cost of Living

Cost of Living in the National Capital Region is considerably higher than the U.S. average, particularly in terms of housing costs.

The FY-2023 National Defense Authorization Act was signed in December 2022 supporting the National Defense Strategy. One of the line of efforts from the 2022 National Defense Authorization Act that will be implemented in January 2023 is to pay eligible service members with dependents a Basic Needs Allowance (BNA), a supplemental allowance to ensure they are not earning less than 130% of the poverty line based on their location and household size. If a household contains multiple service members eligible to receive BNA, only one allowance may be received, and the household service members must jointly elect which service member will receive the allowance.

Beginning in December 2022, AFPC initiated screening our entire force for service members who potentially qualify for the program and will notify him/her of their eligibility. The notification is designed to advise the service member on how to apply for BNA and identify supporting documentation requirements.

NOTE: Service members who have not been notified, but believe they are eligible for BNA, please access MyPers https://mypers.af.mil/app/answers/detail/a_id/53668 to view eligibility and access the BNA application, and then send the application and supporting documentation to afpc.dp1ssb.specialpays@us.af.mil <mailto:afpc.dp1ssb.specialpays@us.af.mil.

A Secretary of Defense Memorandum dated 22 September 2022 released guidance titled "Taking Care of Our Service Members and Their Families" stating that the DoD recognizes the challenges within our economy and the significant impact to service members and their families. As a result, there are immediate and long-term actions being implemented to provide stability.

Average Cost of Living in Washington, D.C.:

It’s not surprising that Washington is such an attractive place to live. It almost goes without saying.

According to data from the Missouri Economic and Research Center (MERIC), Washington, D.C., is low on the affordability scale. As of 2024, it ranks 49th on the list with a cost of living index score of 141.9. Only Hawaii, Massachusetts, and California are more expensive.

Here’s how that breaks down:

Category

Average Annual Per-Capita Cost in Washington, D.C.

Housing and Utilities

$16,481

Health Care

$13,239

Food and Beverages (nonrestaurant)

$7,500

Natural Gas and Energy Goods

$1,532

All Other Personal Expenditures

$53,285

Average Housing Costs in the DMV (D.C., Maryland, Virginia).: $1,643 to $3,137 per month

Housing is often the highest single cost in people’s monthly budgets, and you definitely want to prepare for that expense if you’re going to live in the DMV. Per January 2025 data from Zillow, the typical home price in the D.C. metro area is $594,337, which is significantly higher than the median single-family existing-home sale price of $355,328 in January 2025, the National Association of Realtors® reported.

Even for renters, the costs are pretty intense. Here’s how the cost of housing breaks down on a monthly basis:

  • Median monthly mortgage cost: $3,062
  • Median studio rent: $1,643
  • Median one-bedroom rent: $1,935
  • Median two-bedroom rent: $1,966
  • Median three-bedroom rent: $2,630
  • Median four-bedroom rent: $2,884
  • Median five-bedroom (or more) rent: $3,137
  • Median gross rent: $1,904