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250k isn't that great for such an urbanised area. The apartment in a place like Yokosuka will probably be 70k or so a month. It's about 90 minutes from Tokyo by train, and less to Yokohama, which is a nice little bonus I suppose. In terms of the place being Americanised, I doubt it will be like walking around Little New York. I've never been there, but I've been to Okinawa and while there are some places that take advantage of the military bases, most locals are typically Japanese and dislike foreigners, therefore I wouldn't expect much Americanisation. An advantage of the place is that there will be other foreigners around, and trust me when I say this, living in a rural location where you're the only person that can speak English in a 50 mile radius can be very lonely. No matter how much you prepare yourself for rural life, it's very difficult and I wouldn't recommend it to anyone without a good proficiency in Japanese language, despite what Interac may say.
The number of schools you get can vary. In urban places odds are you'll get a JHS or SHS, or maybe 1-3 Elementary. In semi-rural areas you may be lucky and get a single JHS or SHS, or you may end up with a few JHS and a few Elementary (usually rotating between terms or months). In rural areas it can be a real mish-mash. I've known people who have served BoEs that cover massive areas or cover multiple BoEs. This is where you end up with a different school every day, sometimes 2 schools a day. Bear in mind that in some very rural locations they will actually teach grades together in Elementary school and your classes may consist of 3 or 4 kids.
For start-up, I took 500k yen as recommended by Interac and by my first pay date (2 months after I arrived in Japan) I had 250k left. I'd say 300k would therefore be safe, though mine was based being in a semi-rural area, not Tokyo or Osaka. I was paying 45k a month rent, not 90k. You'll have to pay 2 months rent before you get paid as well, and possibly a Deposit of one month if the apartment is a new rent (Interac try to continue using apartments used by previous ALTs, so the deposit sometimes isn't necessary).
Paperwork etc is all sorted out by Interac. They take you to setup your post office account, get your gaijin card, etc etc. If you're lucky the guides that meet you at your placement may even take you to shops etc so you can buy stuff for your apartment (you may not need to do this if you're in Leopalace).
A location with a car is a big bonus. The car costs are small and petrol for work is covered. The big bonus is freedom. While the train network in Japan is great, it can be very expensive for long-distance travel and Japanese towns and cities can be very spread out with little or no internal transport. Local buses are rubbish to non-existent. Only in tourist towns will there be a decent local bus service. Again, I lived in a town that was spread out over quite a large distance. Without a car it would have taken me 40 minutes just to walk to the supermarket, and while some people like cycling, it's a bit of a death trap in Japan in more rural places, since most of the roads are not wide and have poor visibility.
Interac used to pay 250k to people in semi-rural locations, which are the best (I was stationed for 3 years in a town 2.5 hours north of Tokyo). Places like that you can get an apartment for 40-50k a month. But now they only pay 230k for those places since I think they cottoned onto the fact that people need less money in them. All in all the salary is better than what many Japanese people will earn (170k is the average wage for graduates), but you need to be careful with the pennies, especially if you intend to have any sort of social life or do traveling.
In terms of what BoEs pay, they pay the same rate for ALTs to Interac that they do to normal Japanese teachers. This can range between 400k and 600k a month. You, of course, only see 230-250k of this, and also get paid 150k over the Summer holidays and 200k over the Winter holidays (despite the fact the BoE still pays the full rate to Interac).
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