A house 12 miles from the gate can be a 20-minute drive or a 55-minute one, depending on the corridor, the time you leave and whether there's a tunnel in the way. This free 7-page calculator puts the numbers that matter for a PCS move in one place, each with its source and the date I checked it.

Inside you'll get:

• Baseline drive times from nine Hampton Roads neighborhoods to Naval Station Norfolk, NAS Oceana, Norfolk Naval Shipyard, JEB Little Creek, Langley, Newport News Shipbuilding and downtown Norfolk

• 2026 tunnel and bridge tolls, and what a daily crossing costs over a year and a 3-year tour

• The toll relief program and who qualifies

• 2026 BAH by pay grade for Southside and Peninsula duty stations

• Real estate and car tax rates for all seven cities, with the monthly tax on a $400,000 home

• A one-page worksheet to run the real monthly number on any house

Straight answers from a retired Navy Senior Chief who lives and works here. No hard sell. My job is to help you see the trade-offs so you can make the call that fits your family's move.