Virginia Cost of Living in 2025: A Simple Breakdown

Thinking about moving to Virginia or just curious how far your paycheck will stretch? You’re in the right place. Below you’ll find real‑world numbers for rent, utilities, groceries and other everyday costs. No fluff, just the facts you need to plan your budget.

Housing and Rent Basics

Rent is the biggest expense for most people, so let’s start there. In 2025 a one‑bedroom apartment in a city like Richmond or Alexandria averages $1,250 to $1,500 per month. Smaller towns such as Harrisonburg or Roanoke hover around $900 to $1,100. If you’re okay with a month‑to‑month lease, the average monthly rate is about 5% higher than a year‑long lease because landlords charge a premium for flexibility.

When you sign a lease, check the state rules on rent increases. Virginia landlords can raise rent once a year, but the amount must be reasonable and tied to the lease terms. Most owners give a 30‑day notice. If you’re renting month‑to‑month, they can increase the rent with a 30‑day notice as well, so keep an eye on any written notice you receive.

Don’t forget additional fees. Security deposits usually equal one month’s rent. Some complexes charge pet fees ($200‑$300) or application fees ($50‑$75). Adding these to your monthly budget helps avoid surprises.

Everyday Expenses and Budget Tips

Utilities in Virginia are relatively affordable. Expect to pay $120‑$150 for electricity, $60‑$80 for natural gas, and $40‑$60 for water and trash. If you live in a cooler part of the state, heating can push the gas bill higher in winter, so budget an extra $30‑$50 during those months.

Groceries cost about 3% less than the national average. A typical grocery bill for a single person runs $250‑$300 per month, while a family of four spends $700‑$850. Shopping at local farmers’ markets or discount chains can shave a few dollars off each week.

Transportation depends on where you live. In urban areas, a monthly bus pass costs $50‑$75, while gas prices hover around $3.30 per gallon. If you drive a lot, factor in $150‑$200 for fuel and $80‑$120 for insurance each month.

Health insurance premiums in Virginia average $350 for an individual and $900 for a family. If your employer offers a plan, compare the premium and deductible to see which option saves you more.

Putting it all together, a single adult in a mid‑size city can expect to spend roughly $2,200‑$2,600 each month on housing, utilities, food, transport and insurance. A family of four in the same area typically needs $4,000‑$4,800.

Here are two quick tips to stretch your dollars further: first, look for apartments that include utilities in the rent—that can simplify budgeting. Second, use a budgeting app to track every expense for a month; you’ll spot areas where you can cut back, like dining out or subscription services.

Virginia offers a good mix of city life and natural beauty, and knowing the true cost of living helps you enjoy it without financial stress. Use these numbers as a starting point, adjust for your personal situation, and you’ll feel confident about your budget in the Old Dominion.