You will be offered a large advance pay loan as you arrive in Naples. It sounds like a huge amount of money. We advise that you take it, and then don't spend it frivolously. You will be amazed by the amount of cash that you'll need to come up with through the process of getting housing, registering vehicles, etc.
When you choose a place to live off-base, you will have to pay one-month's rent up front, and an aditional month's rent must be handed over to the navy to hold in deposit. Typical monthly rents paid by Americans in the Naples area are in the neighborhood of $2500 - $3500 USD.
FYI: The advance will automatically be paid back through dedections from your first year of pay in-country. (It is, in fact, a loan. Be prepared for those deductions during the first year.)
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