Choose a planting location with full sunlight and well-draining soil conditions. Mix a general purpose fertilizer, such as 5-10-10, into the soil at a rate of 1 cup for every 50 feet of garden row. Work the fertilizer into the soil to a depth of approximately 6 inches.
Plant navy beans after all danger of frost has passed. The beans will germinate adequately if the soil temperature is at least 50 degrees Fahrenheit.
Place navy bean seeds 1 inch deep in the soil. Space the beans 2 to 4 inches apart. Space the garden rows 2 to 3 feet apart.
Apply 2 to 3 inches of shredded bark mulch after the navy bean plants sprout. Navy bean plants have shallow root systems so weed around the plants carefully to avoid damaging the roots.
Provide navy bean plants with 1 inch of water per week if the area does not sustain adequate rainfall. Apply water in the early morning hours so the navy bean plant's foliage has adequate time to dry out before nightfall.
Harvest navy beans when they appear brown and completely dry to the touch, the University of Minnesota Extension advises. Gently pull or clip them from the plant.