Hampton Roads Neighborhoods

City of Chesapeake · VA298

Chesapeake when the budget line is taxes and fees

Chesapeake has no major installation gate of its own in this guide, but Naval Auxiliary Landing Field Fentress, which the Oceana listing groups with Oceana and Dam Neck, is inside the city. What Chesapeake does publish in detail is what a homeowner pays the city each year, and on that measure its own FY 2027 comparison puts it lowest of seven Hampton Roads cities, at an estimated $5,456 in taxes and fees.

Source: MilitaryINSTALLATIONS: Naval Air Station Oceana, checked 2026-10-09; City of Chesapeake, FY 2027 Local Tax Comparisons (PDF dated Aug 2026), checked 2026-10-09.

Chesapeake quick facts
Median single-family assessed value$378,400, the benchmark in the FY 2027 comparison
Real estate tax, FY 2026-2027$1.01 per $100: $1.00 base plus $0.01 for mosquito control
Solid waste feeNone; the only city of the seven without one
Assessment cycleAnnual, at 100% of fair market value, dated January 1 and effective July 1
School divisionChesapeake Public Schools, per the Virginia Department of Education directory; campus by address
City hall ZIP23322, in VA298
City hall to NAVSTA Norfolk Gate 223.5 miles, typically 24-30 minutes, Monday 7:00 a.m., gate wait excluded
2026 BAH, with dependentsE-4 $2,229 · E-6 $2,559 · O-4 $3,054

Source: City of Chesapeake, FY 2027 Local Tax Comparisons (PDF dated Aug 2026), checked 2026-10-09; City of Chesapeake, Real Estate Assessor's Office, checked 2026-10-09; Virginia Department of Education, Virginia Public Schools by Division: Chesapeake, checked 2026-10-09; DoD BAH 2026, sorted_zipmha26.txt and mhanames26.txt, checked 2026-10-09; DoD BAH 2026, rate files bahw26.dat and bahwo26.dat (May 13, 2026 revision), checked 2026-10-09.

Cedar Road to the naval station

The measured trip leaves city hall at 306 Cedar Rd and ends at Naval Station Norfolk's Gate 2, 9999 Hampton Blvd. Google routes it west on I-64, 23.5 miles. Departing Monday, October 12, 2026, at 7:00 a.m., the typical range is 24 to 30 minutes, more than twice Norfolk's mileage but a range only about eight minutes longer at each end. Gate 2 is open 24 hours. The range ends at the gate; the ID check is extra.

Drive: Google Maps, depart Mon Oct 12, 2026, 7:00 a.m. ET, checked 2026-10-09. Gate: NAVSTA Norfolk Gate Hours, checked 2026-10-09.

Same house, seven tax bills

The comparison applies each city's rate to Chesapeake's $378,400 median: $3,670 in Virginia Beach, $3,822 in Chesapeake, $4,011 in Suffolk, $4,314 in Hampton, $4,465 in Newport News, $4,654 in Norfolk and $4,692 in Portsmouth. Chesapeake ranks second on real estate tax alone. Its first-place overall finish comes from adding the fees, and from the missing trash fee most of all.

Source: City of Chesapeake, FY 2027 Local Tax Comparisons (PDF dated Aug 2026), checked 2026-10-09.

Where the rate is earmarked

One cent of the $1.01 is dedicated to the Chesapeake Mosquito Control Commission. The city also keeps two tax increment financing districts, Greenbrier and South Norfolk, which steer revenue to public improvements in those areas.

Source: City of Chesapeake, Real Estate Assessor's Office, checked 2026-10-09; City of Chesapeake, FY 2027 Local Tax Comparisons (PDF dated Aug 2026), checked 2026-10-09.

When a new assessment lands

The assessor values property as of January 1, and taxes on that value start July 1. Owners whose value changed since July 1, 2026, get a reassessment notice by March 1, 2027. For someone arriving on PCS orders in spring, the price paid and the July assessment can differ.

Source: City of Chesapeake, Real Estate Assessor's Office, checked 2026-10-09.

The $378,400 benchmark, financed

Chesapeake's own comparison benchmark doubles as the price here. With nothing down and the 2.15% fee financed, the payment runs about $565 past the E-5 rate and about $300 past O-3.

Illustration, not a quote: first-use VA loan, nothing down, 30-year fixed; excludes homeowners insurance, HOA dues and upkeep
Price used (illustration only)$378,400: median single-family assessed value used in Chesapeake's FY 2027 comparison
VA funding fee, first use, under 5% down, 2.15%$8,136, financed
Loan amount$386,536
Rate: Freddie Mac 30-year average, week of Oct 8, 20267.40%
Principal and interest, 30 years$2,676.29 a month
City real estate tax at $1.01 per $100About $318 a month ($3,822 a year)
Payment before insurance and HOAAbout $2,995 a month
2026 BAH VA298, E-5 with dependents$2,430; $565 short of the payment
2026 BAH VA298, O-3 with dependents$2,694; $301 short of the payment

Chesapeake charges no solid waste fee, so no trash line is missing here, but insurance, HOA dues and upkeep are. A VA lender's rate can sit above or below the conventional survey figure.

Source: City of Chesapeake, FY 2027 Local Tax Comparisons (PDF dated Aug 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; DoD BAH 2026, rate files bahw26.dat and bahwo26.dat (May 13, 2026 revision), checked 2026-10-09.

Schools

The Virginia Department of Education directory lists the division as Chesapeake Public Schools, with its office at 1421 Kristina Way, ZIP 23320. Which campus a house feeds into depends on the address, so confirm that with the division.

Source: Virginia Department of Education, Virginia Public Schools by Division: Chesapeake, checked 2026-10-09.

Who it suits

Chesapeake suits a VA298 household that budgets on recurring city costs and wants a published median to anchor against. It is a weaker fit for a household that wants the shortest drive to Naval Station Norfolk: the city hall origin is 23.5 miles from Gate 2.

Nearby alternatives

Sources and dates