D.,
I will see if I can answer your questions. My husband is retired Navy and we are down here as contractors but as I don't see an answer and we are working on one of the bases I think I can help. First your husband should have been given a sponsor who can help you with what ever you choose to do.
The GLH Housing has just cone into effect so the housing is still basically base housing. If you have lived in Base housing then you know what I mean. It appears that they are better at responding now but the same people are running the new housing program locally.
Some key things to keep in mind when deciding where to live is that there really is nothing cheap out in town, you might save a few hundred up the keys but will more then likely pay it out in utilities. You will also need first, last, and security deposit for most houses (about $6500) just to move in to one.
The housing isn't great but when we were looking for something to rent we were not real impressed with what was out there. EVERY thing on the keys is smaller then what you are used to and the base housing is bigger then a lot of the stuff in town that you will be able to afford on any of the keys. I don’t know what the current Va Beach base housing is like but when we were at Oceana many years ago I would say that the houses here off base housing is about half that size for the same number of rooms. Our master bedroom (and few houses have true master baths) is only large enough for a king size bed and night stand on either side.
Now if you do want to look into off base housing then I suggest you contact base housing and see what they have in a book they keep. Some of them do not require the deposits and want only military personnel. You might get lucky as some have and find something. To give you an idea of traffic/travel on the keys, we live on Big Pine and go all the way to the far end of Key West to Truman Annex and it takes a minimum of 45 minutes. Traversing Key West (4 miles) takes about 20 minutes.
Most base housing is on Key West so even if you are on Stationed on NAS you will have to travel the Key West a little but will be going against traffic. I am not sure of your husbands rank but I do know that the E6’s I work with say they get about 2300 for BAH.
I am not sure what base you will be on (there are several) if you will be on NAS Key West then you could move up further and not spend a lot of time on the road and gas here has not dropped below $3.25 in over a year (on base gas is only a few cents cheaper then off).
Something else to keep in mind when making the decision is that the only real shopping are in Key West and then Big Pine for food and Marathon for K-Marts and food. There are only convince stores (ie mostly gas station type) any where else. The commissary and exchange are about the size of what we called a mini-mart and the selection is not great, but I can do most of my shopping there and it is a lot cheaper then out in town (hamburger is about 1.25 a lb on base and more like 2.50 and up in town). A lot of people don’t buy their produce on base but I have not had a problem with it. You will find if you like a lot of fresh then you have to go to the store often since it all ripens very quickly.
I ended up on this list kind of by mistake and am getting ready to get back off so if you want to get a hold of me again then please email me at ____@____.com
L.