Navy San Diego Neighborhoods

City of Chula Vista · CA038

Chula Vista for Naval Base San Diego orders

Chula Vista is the heavyweight among these towns on the assessor's books. Its 2026-27 gross assessed value is $48.77 billion, up 6.21% from the prior roll, the largest total of any town on this site. City hall is at 276 Fourth Avenue in ZIP 91910, which resolves to CA038, the same 2026 housing area as Naval Base San Diego.

Source: San Diego County Assessor, 2026 Summary of Total Assessed Value (Gross) by City, checked 2026-10-09; City of Chula Vista official website, checked 2026-10-09; DoD BAH 2026, ZIP-to-housing-area file sorted_zipmha26.txt and mhanames26.txt, checked 2026-10-09.

Chula Vista quick facts
2026 housing area (city hall ZIP 91910)CA038, SAN DIEGO, CA
County tax rate, FY 2025-261.17112% to 1.18748% across 254 tax rate areas; 1.18748% in 176 of them
Gross assessed value, 2026-27$48.77 billion (+6.21%), all taxable property
Public school districtsChula Vista Elementary School District; Sweetwater Union High School District (grades 7-12)
2026 BAH with dependentsE-5 $3,975 · E-6 $4,404 · O-3 $4,518

Source: DoD BAH 2026, ZIP-to-housing-area file sorted_zipmha26.txt and mhanames26.txt, checked 2026-10-09; County of San Diego, Table 26 Tax Rate Area Index and Table 27 Tax Rate by Tax Rate Area, FY 2025-26, checked 2026-10-09; San Diego County Assessor, 2026 Summary of Total Assessed Value (Gross) by City, checked 2026-10-09; Chula Vista Elementary School District, checked 2026-10-09; Sweetwater Union High School District, About Us, checked 2026-10-09; DoD BAH 2026, rate files bahw26.dat and bahwo26.dat (May 13, 2026 revision), checked 2026-10-09.

Two rates cover most of the city

The county splits Chula Vista into 254 tax rate areas, each with its own mix of voter-approved school and district debt on top of the 1% base. Almost all of them land on one of two numbers: 1.18748% in 176 areas and 1.17112% in 68. On a $997,250 house the gap between those two is about $14 a month. The tax rate area printed on a parcel's bill settles which one applies.

Source: County of San Diego, Table 26 Tax Rate Area Index and Table 27 Tax Rate by Tax Rate Area, FY 2025-26, checked 2026-10-09; County of San Diego Auditor and Controller, Property Valuations, Tax Rates, Useful Information for Taxpayers, fiscal year ending June 30, 2026 (tax rate book), checked 2026-10-09.

Schools: one high school district, many campuses

Elementary grades fall to the Chula Vista Elementary School District, whose office is at 84 East J Street. Grades 7 through 12 belong to the Sweetwater Union High School District, headquartered at 1130 Fifth Avenue and serving about 34,000 students. Eight of Sweetwater's comprehensive high schools carry Chula Vista addresses: Bonita Vista, Castle Park, Chula Vista, Eastlake, Hilltop, Olympian, Otay Ranch and Palomar. Which one a house feeds depends on its address, so check the specific property with the district.

Source: Chula Vista Elementary School District, checked 2026-10-09; Sweetwater Union High School District, About Us, checked 2026-10-09; Sweetwater Union High School District, High Schools, checked 2026-10-09.

The county median as a Chula Vista payment

No Chula Vista median is published by the city or county, so the illustration borrows the countywide detached median and applies the rate most of the city's tax rate areas carry.

Estimate, not a loan quote: first-use VA loan, nothing down, 30-year fixed
Price used$997,250, the county's median price for detached homes reported with the 2026 roll (a countywide figure, not a Chula Vista figure)
VA funding fee, first use, under 5% down (2.15%)$21,441, financed
Loan amount$1,018,691
Interest rate: Freddie Mac 30-year average, October 8, 20267.40%
Principal and interest, 360 months$7,053.21 a month
Property tax at 1.18748% (176 of its 254 tax rate areas)About $987 a month
Total before insurance, HOA and supplemental billsAbout $8,040 a month
2026 BAH CA038, E-5 with dependents$3,975, which is $4,065 less than the payment
2026 BAH CA038, O-3 with dependents$4,518, which is $3,522 less than the payment

Source: San Diego County Assessor/Recorder/County Clerk, news release: 2026 tax roll hits record $845 billion (Jul 2, 2026), checked 2026-10-09; VA.gov, VA funding fee and loan closing costs, checked 2026-10-09; Freddie Mac Primary Mortgage Market Survey, checked 2026-10-09; County of San Diego, Table 26 Tax Rate Area Index and Table 27 Tax Rate by Tax Rate Area, FY 2025-26, checked 2026-10-09; DoD BAH 2026, rate files bahw26.dat and bahwo26.dat (May 13, 2026 revision), checked 2026-10-09.

Run backward with the same rate and fee, the CA038 E-5 allowance covers principal, interest and tax on a house priced near $493,000; the O-3 allowance, near $560,000. Both sit far below the county median.

Morning drive to Gate 6

From city hall, 276 Fourth Avenue, Google routes the trip via E Harbor Dr to Gate 6 of Naval Base San Diego, the pin it places at 3670 Surface Navy Blvd. The distance is 6.3 miles. Set to leave Mon Oct 12 2026, 7:00 AM, Google gives a typical 16 to 20 minutes. ID check not included: the clock stops at the gate.

Drive: Google Maps, depart Mon Oct 12 2026, 7:00 AM PT, checked 2026-10-09. NBSD gate hours: official NBSD gate-hours page (not printed here).

Who it suits

A family that wants a large choice of neighborhoods and high school campuses inside one city, in the same housing area as Naval Base San Diego. It is a harder fit for a single-income junior enlisted household aiming to buy near the county median on the allowance alone.

Nearby alternatives

Sources and dates