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Cost of Living in
Virginia

Living cost is 0.86% lower than avg
Families spend upto $8,728/mo on avg
Homeowners spend $8,366/mo on avg
Renters spend $4,716/mo on avg

Cost of Living in
Virginia

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A Breakdown of the Cost of Living in Virginia

U.S. Avg.

Virginia

Difference Diff

Home Price

$532,491

$529,102.23

Apartment Rent (per month)

$1,367

$1,582.08

16%

U.S. Avg.

Virginia

Difference Diff

Phone (per month)

$219.4

$188.86

14%

Total Energy (per month)

$200.23

$218.24

U.S. Avg.

Virginia

Difference Diff

Grocery Staples

Corn Flakes (per box)

$6.79

$5.62

17%

Frozen Corn (per bag)

$2.41

$2.17

10%

Frozen Meal (per package)

$4.85

$3.66

24%

Cooking Oil (per bottle)

$6.16

$9.24

50%

Detergent (per bottle)

$19.51

$20.66

Facial Tissues (per box)

$2.85

$2.2

23%

Sweet Peas (per can)

$1.83

$1.7

Sugar (per bag)

$4.66

$5.14

10%

Bread (per loaf)

$3.87

$4.08

Frying Chicken (per lb)

$1.64

$1.45

12%

Meat & Poultry

Chicken (per lb)

$1.71

$1.55

Steak (per lb)

$14.54

$16.65

14%

Sausage (per lb)

$5.23

$5.1

Ground Beef (per lb)

$8.61

$7.55

12%

Snacks & Beverages

Soft Drink (per bottle)

$3.45

$2.9

16%

Potato Chips (per bag)

$5.54

$4.25

23%

Coffee (per lb)

$6.55

$6.3

Fresh Orange Juice (per half gallon)

$5.22

$4.78

Fruits & Vegetables

Peaches (per can)

$4.40

$2.77

37%

Lettuce (per head)

$1.98

$2.04

Bananas (per lb)

$0.64

$0.75

17%

Potatoes (per bag)

$5.58

$5.4

Dairy & Eggs

Parmesan Cheese (per lb)

$4.69

$4.81

Margarine (per lb)

$1.30

$1.48

14%

Eggs (per dozen)

$3.98

$4.32

Whole Milk (per gallon)

$4.08

$4.72

16%

Seafood

Chunk Light Tuna (per can)

$1.22

$1.3

U.S. Avg.

Virginia

Difference Diff

Tire Balance (per tire)

$70.23

$66.07

Gasoline (per gallon)

$2.9

$3.08

U.S. Avg.

Virginia

Difference Diff

Doctor Visit (per visit)

$116.03

$147.57

27%

Dentist Visit (per visit)

$145.11

$126.94

13%

Ibuprofen (per bottle)

$12.38

$11.86

Prescription Drug (per month)

$20.8

$20.77

Optometrist Visit (per visit)

$95.27

$125.5

32%

U.S. Avg.

Virginia

Difference Diff

Women’s Slacks

$35.43

$33.34

Boys’ Jeans

$29.47

$25.1

15%

Men’s Shirt

$39.36

$33.21

16%

Wine (per bottle)

$7.51

$12.06

61%

Beer (per 6-pack)

$11.17

$11.05

Veterinary Services (per visit)

$65.33

$71.59

10%

Tennis Balls (per pack)

$3.59

$4.2

17%

Yoga (per class)

$12

$18.86

57%

Movie (per ticket)

$11.67

$13.82

18%

Newspaper (per copy)

$19.31

$12.76

34%

Washer Repair (per service)

$109.47

$89.89

18%

Women Slacks

$34.88

$29

17%

Boy Jeans

$29.51

$25.84

12%

Man Dress Shirt

$39.05

$34.01

13%

Dry Cleaning (per item)

$13.45

$16.1

20%

Shampoo (per bottle)

$1.55

$1.57

Toothpaste (per tube)

$3.64

$4.13

13%

Beauty Salon (per visit)

$47.5

$48.91

Haircut (per cut)

$27.08

$23.45

13%

Fried Chicken (per serving)

$4.37

$5.3

21%

Pizza (per pizza)

$11.99

$13.74

15%

Hamburger (per serving)

$5.28

$5.94

12%

The average cost of living in Virginia is 0.86% lower than the national average. With its mix of mountains, beaches, and suburban hubs, Virginia offers a wide range of lifestyle, within commuting distance of Washington, D.C. Strong public schools, military job centers, and access to both urban and rural living make the state a consistently popular choice among families, young professionals, and retirees alike.

Housing costs in Virginia are 1% lower than the national average. The average house price in Virginia sits at $529,102.23, so a 20% down payment would amount to around $112,000. Areas like Arlington and Fairfax push the average higher due to demand and proximity to D.C., while regions like Roanoke or Winchester offer far more affordable options. Mortgage payments across the state reflect this mix—elevated in metro zones, more manageable in smaller cities and rural counties.
Renting a home in Virginia is 15.7% higher than the national norm. A one-bedroom home in Virginia averages $1,800 per month, while a two-bedroom unit typically rents for $2,000. Renters in cities like Virginia Beach or Alexandria often find upgraded appliances and central AC, but parking and in-unit laundry are not guaranteed. In contrast, smaller markets provide better space for the price, but offer fewer modern amenities.
Utility costs in Virginia are 1% lower than the US average. Monthly utility bills—including electricity, water, gas, and trash—range from $360 to $430 for a mid-sized household. High-speed internet plans add $188.86 monthly. HOA fees for condos and townhomes fall between $180 and $350, depending on location and amenities. Most of the state is safe from extreme weather risks, so flood or disaster-related insurance is rarely a factor outside coastal zones.
Food and grocery prices in Virginia are 0% higher than the national average. A family of four spends around $1,000 per month on groceries, while a single adult's budget is around $350. Staples like milk costs $4.72 a gallon, eggs $4.32 a dozen, and fresh produce are slightly cheaper than in neighboring East Coast states. Access to farmers' markets and local produce is common across both urban and rural areas.
Transportation costs in Virginia are 1.64% higher the national average. The average price of gas in Virginia is around $3.08 per gallon, and monthly car insurance premiums average $151, well under the US norm. The state's limited use of toll roads and absence of major parking surcharges help keep driving affordable. Public transit options exist in D.C.-adjacent cities and in Hampton Roads, but much of the state remains car-dependent.
Healthcare in Virginia is 3.14% lower than the national average. A routine check-up costs around $147.57, with dental visits at $126.94, and emergency room costs around $2,000 without insurance. While access to high-quality care is likely in Northern Virginia and Richmond, residents in more remote areas may have to travel farther for specialists and advanced procedures.
Miscellaneous expenses in Virginia are 5.39% lower than the US average. Gym memberships range from $40 to $50 per month, and full-time child care runs between $1,100 and $1,300, depending on the location. Residents enjoy affordable weekend getaways to state parks, historic sites, and local festivals, many of which charge lower entry fees compared to larger metropolitan areas.

Moving to Virginia? Be prepared for a mixed cost of living. While housing and daily expenses can vary by region, the quality of life and job opportunities often make it worth the balance. 👉 Next Step: Compare single-family homes in Virginia.

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Is Living in Virginia Expensive?

No, Virginia is not expensive to live in. The overall cost of living is just 0.86% lower than the national average. Housing is the main contributor, at 1% lower than the US median. That said, transportation costs 14% lower, utilities 2% lower, and groceries are 1% lower, this help keep overall expenses balanced.

With a budget of $529,102.23, you can buy a modern single-family home in areas like Chesapeake or Fredericksburg, complete with a garage and backyard. That samebudget in cities like San Diego or Boston might only get you a smaller townhouseor condo. Overall, the Virginia cost of living is manageable for mostmiddle-class families, especially those willing to live outside high-demandregions.

Housing in Virginia

Buying a home in Virginia costs 1% lower than the national average, with amedian price of $529,102.23. Prices are highest in Northern Virginia, and lowest insmaller cities like Roanoke and Lynchburg. With mortgage rates between 6.5% and 7%, typical monthly payments range from $3,000 to $4,200, depending on locationand loan terms.

Buying a House in Virginia

If you're a young adult or single individual, homes in Richmond county or Norfolk's Ghent area offer walkable neighborhoods and access to cafes, co-working spaces, and transit. A one-bedroom condo in Richmond averages $250,000 to $350,000, with monthly mortgage payments from $1,600 to $2,200. Charlottesville is another great option for professionals; condos near UVA start at $300,000 and offer access to downtown, hiking trails, and the Amtrak line.
If you're a married couple with young children (under 6),homes in Ashburn, Virginia Beach, and Midlothian are popular among young families. A three-bedroom home in Ashburn costs between $600,000 and $750,000, near top-rated schools like Mill Run Elementary. In Midlothian, homes go for $450,000 to $550,000 with access to parks and Watkins Elementary. Virginia Beach offers backyard space and beach proximity, with homes priced $500,000 to $600,000.
If you're a married couple with older children (ages 6-17), homes in Fairfax County come at a premium; expect to pay $750,000 to $1 million for a four-bedroom near schools like Thomas Jefferson High. In Chesterfield County, homes range from $500,000 to $700,000, zoned to well-rated schools like James River High. Families looking for lower costs explore Fredericksburg or Winchester, where homes list from $400,000, often with access to magnet and STEM-focused schools.

Renting a House in Virginia

Rent in Virginia costs 15.7% higher than the national average. A one-bedroom home in Virginia averages $1,700, and two-bedroom homes go for about $1,900. Rents trend higher in urban and NorthernVirginia regions, especially near Washington, D.C., but small towns and inlandcities offer more affordable options with added space. Here's how rentals inVirginia vary based on your lifestyle:

If you're a young adult or single renter, Scott's Addition in Richmond, Downtown Norfolk, or Charlottesville's Belmont neighborhood are popular for their walkability, social scene, and apartment availability. A one-bedroom home in these areas rents for $1,400 to $1,700, while a two-bedroom home ranges from $1,800 to $2,200. These neighborhoods offer breweries, musicvenues, local restaurants, and access to public buses or bike-share systems. The trade-off? Parking can be limited, and rental demand is high.
If you're a married couple with young children (under 6), family-friendly areas like Mechanicsville, Chesapeake's Greenbrier, and Gainesville in Prince William County offer spacious two- to three-bedroom homes for $1,900 to $2,600 a month. These areas have newer construction, nearby playgrounds, and shopping centers. Public schools like Greenbrier Primary Schooland Cool Spring Elementary are known for strong early education programs. Most families here rely on cars, but commutes are reasonable with nearby highways.
If you're a family with older children (ages 6–17), homes in Spotsylvania County, Chesterfield, and Loudoun Valley Estates are solid picks, with rent ranging from $2,400 to $3,500 per month. These areas offer space for teens, quiet streets, and access to good public schools like Riverbend High and Independence High. Suburban bus routes and park-and-ride services are available but limited; most families prioritize garage space and yard size.
If you're a retiree or downsizer, you might prefer compact, low-maintenance homes in places like Abingdon, Williamsburg, or Lake Ridge. One-and two-bedroom homes here cost $1,300 to $1,900 per month, often in communities with walking trails, nearby pharmacies, and access to regional hospitals. These areas trade nightlife for peace and proximity to medical care. Senior-specific housing options and condos are available in 55+ communities across the state.
If you're an international student attending Virginia Tech, University of Virginia, or George Mason University, you can rent shared three-bedroom homes for $2,400 to $3,200 a month. Neighborhoods like Blacksburg's Bennett Hill, Charlottesville's Fry's Spring, and Fairfax's University Drive corridor are all near campus, and have reliable bus systems, student-friendly cafes, and grocery stores. Sharing a home with roommates can lower your monthly costs by up to 30%.

Utilities in Virginia

Food and Groceries in Virginia

Transportation in Virginia

Healthcare in Virginia

Healthcare costs in Virginia are 3.14% lower than the national average, so while groceries and transportation might save you money, medical expenses can still leave a dent. From routine check-ups to unexpected ER visits, Virginians may pay slightly more, especially in high-demand areas like Northern Virginia or college towns like Charlottesville. Here's a break-down:

Doctor Visit — $147.57+ per visit: A routine visit to a general practitioner in Virginia averages $147.57. This typically covers flu symptoms, allergy issues, check-ups, and prescription renewals. More specialized visits (dermatology, internal medicine, etc.) may range from $170 to $250, depending on provider and location.
Dentist Visit — $126.94+ per visit: A basic dental cleaning in Virginia costs about $110 to $130, with cavity fillings ranging from $160 to $210. You can add another $40 to $60 for X-rays or fluoride treatments. Prices here are on par with states like Maryland or New Jersey, but about 10% higher than in states like Georgia or Florida.
Optometrist Visit — $125.50+ per visit: An eye exam with vision checks and prescription updates costs about $125.50. A contact lens fitting can add $60 to $100, and treatments for dry eye or infections will increase costs, depending on the clinic.
Prescription Drugs — $20.77+ per month: Prescription costs in Virginia vary by insurance and pharmacy. A month's supply of Lisinopril (for high blood pressure) costs $12 to $22 without insurance. Metformin (type 2 diabetes) ranges from $18 to $36. For short-term treatments, Amoxicillin averages $25 to $30 per course.
Over-the-Counter Meds — $11.86+ per package: Expect to pay $10 to $14 for common OTC medications. Ibuprofen, allergy relief tablets, and cold/flu brands like Mucinex or DayQuil all fall within this range. Whether you're recovering from a Blue Ridge trail run or fighting off spring allergies in Richmond, a stocked medicine cabinet is a smart investment.

Healthcare in Virginia may be more expensive than in states like North Carolina or Pennsylvania, but it's still more affordable than in New York or California. The state's moderate climate helps reduce cold-weather health issues like seasonal flu spikes or joint inflammation, especially in coastal areas. Access to major hospital systems—like UVA Health, VCU Medical, and Inova—also ensures quality care in both urban and suburban regions.
Health insurance is strongly recommended. The average monthly premium for a health insurance plan in Virginia ranges from $500* to $900*, depending on your age, plan tier, and coverage level.

*Disclaimer: These figures are averages and can vary based on individual circumstances and specific insurance providers. It's best to compare plans and consult with a licensed agent to find the right coverage for your needs.

Miscellaneous Costs in Virginia

Miscellaneous expenses in Virginia are 5.39% lower than the national average, which means your budget breathes a little easier when it comes to the everyday extras. From lunch outings to weekend hikes and vet checkups, Virginia offers a mix of affordable indulgences and practical services.

Food and Drinks: Grabbing a bite in Virginia doesn’t have to empty your wallet. A classic burger at a local diner costs around $5.25, and a full sit-down dinner with an entrée, side, and drink lands between $22 and $28. You can grab tacos for $3.50 to $5 each, or a solid slice of pizza for $3.25 to $4.50. Sushi at mid-tier restaurants typically costs $11 to $17 per roll, and your average cup of coffee will cost you $3.75. Local craft beers are $6 to $7 at most pubs—cheers to that.
Personal Care and Grooming: Self-care doesn’t come with coastal premiums here. A basic haircut averages $23, while a full-service salon visit (wash, cut, and blow-dry) is around $45. Manicures cost $20 to $25, spa treatments start at $65, and a typical facial will cost $70 to $100. You’ll find everything from no-frills barbershops to luxe day spas, depending on your vibe (and your wallet).
Clothing and Laundry: You can dress for all four seasons in Virginia, sometimes before lunch. A dress shirt costs about $35, while a decent pair of jeans will set you back $40. Professional dry cleaning averages $15 to $17 per load, but with laundry machines in most homes, many locals stick with DIY wash days.
Fitness and Entertainment: A yoga class is about $16, and a movie ticket will cost you $11.75. From the Blue Ridge Mountains to the Chesapeake Bay, outdoor recreation in Virginia is often free. You’ll find hiking trails, riverside bike paths, and historic walking tours throughout the state that don’t cost a dime, unless you count post-hike lemonade.
Pet-Related Expenses: A routine vet visit in Virginia costs $65 to $70, while emergency care can range from $300 to $600, depending on the situation. That said, Virginia is a paradise for pets. With dog-friendly trails like those in Shenandoah National Park and open spaces like Richmond’s Byrd Park, your pup will thank you.

What Salary Do You Need to Live in Virginia?

The average income in Virginia is 0.86% lower, slightly above the national average. But to live comfortably across most parts of the state, you'll need between $60,000 and $120,000 per year, depending on your lifestyle and household size. While transportation and grocery costs are lower than the US average, housing and healthcare can drive your expenses up, especially in areas like Northern Virginia.

Homeowners spend $100,394.00 per year: This includes mortgage payments, property taxes, home insurance, utilities, groceries, transportation, healthcare, and leisure. Costs are higher in metro regions but more manageable in smaller towns.

Renters spend $56,590.00 per year: Renting saves you maintenance costs and taxes, but comes with monthly rent, utilities, internet, food, commuting, and lifestyle expenses.

Families with kids spend $104,731.00 per year: Add in childcare, healthcare, school-related costs, and higher grocery bills, and it's easy to see why this household type carries the highest financial load.

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What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, a Virginia cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine Virginia's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

How much is gas in Virginia?

The cost of gas in Virginia averages $3.08 per gallon, which is slightly below the national average. Thanks to shorter commutes in many areas and fewer toll-heavy routes, Virginia fuel prices tend to stay manageable, unless you're navigating I-95 near D.C. during rush hour.

Is Virginia a good place to live?

Yes, Virginia is a great place to live if you value mild seasons, access to nature, and a strong job market. The state offers a mix of urban and suburban living, from the tech hubs in Northern Virginia to the quiet charm of the Shenandoah Valley. Top-ranked schools and access to renowned hospitals make it a solid pick for families.

What is the cost of living in Virginia per month?

The overall cost of living in VA per month is 0.86% lower than the national average. Housing is 1 above the US average, but transportation and grocery costs are lower. Areas like Arlington and Fairfax are more expensive, while cities like Roanoke, Lynchburg, and Winchester are relatively affordable.

What is the average rent in Virginia?

A one-bedroom home in Virginia rents for an average of $1,582.08 per month on average. High-demand areas like Alexandria or Tysons Corner command higher rents, especially in neighborhoods close to public transit. Suburbs and smaller towns across the state offer more affordable options with larger spaces.

How much is a two-bedroom apartment in Virginia?

A two-bedroom home in Virginia costs around $1,900 per month, depending on the region. Expect to pay more in Northern Virginia or near college towns like Charlottesville. Newer buildings may include amenities like fitness centers, pet parks, and in-unit laundry.

What is the average price of utilities in Virginia?

Utilities in Virginia range from $200 to over $400 per month. This includes electricity, water, sewer, and trash services. Utility bills stay reasonable most of the year, but summer AC usage and winter heating can increase your monthly costs.

How much is childcare in Virginia?

If you're moving to Virginia, childcare will likely cost you between $5.39 and $5.39 per month for a toddler. Rates are highest in Northern Virginia and urban areas like Arlington and Fairfax, especially for full-time daycare centers. In contrast, smaller towns may offer more affordable home-based care, though spots can be limited and waitlists long.