Relocating to a new city comes with one pressing question: Can I afford it? If you’re considering a move to Virginia Beach in 2025, you may be wondering: Is Virginia Beach expensive to live in? This vibrant coastal city, known for its tourism, military presence, and beautiful beaches, offers an appealing lifestyle for many. But before packing your bags, understanding the cost of living in Virginia Beach is essential.
This comprehensive guide breaks down expenses such as housing, transportation, groceries, healthcare, taxes, and more. If you are preparing for a move, you may want to check out trusted local movers in Virginia Beach.
Housing Costs in Virginia Beach
Housing is typically the largest expense for residents. In Virginia Beach, prices vary depending on location, proximity to the ocean, and property type.
Renting
As of early 2025:
- One bedroom apartment in city center: 1600 per month
- One bedroom apartment outside city center: 1350 per month
- Three bedroom apartment in city center: 2800 to 3000 per month
Homeownership
The median home price is approximately 375000 in 2025. Compared to national averages, Virginia Beach is moderately priced, though still more expensive than inland or rural Virginia communities. This Virginia Beach cost comparison reflects the premium of coastal living.
Transportation and Commuting Costs
Transportation plays a significant role in overall living expenses in Virginia Beach. While Hampton Roads Transit serves the region, many residents rely on personal vehicles.
Car Ownership Costs
Estimated monthly expenses:
- Gas averages 3.40 per gallon
- Car insurance typically costs 100 to 140 per month
Public Transportation
- Monthly HRT pass: 70 to 75
- One way ticket: 2.00 to 2.50
Residents with shorter commutes may manage lower transportation costs, although the citys layout often makes owning a vehicle necessary.
Utilities and Basic Services
Utility costs are moderate compared to national averages.
Typical monthly expenses:
- Basic utilities including electricity water garbage and heating: 180 to 220 for an 85 square meter apartment
- Internet service 60 Mbps or higher: 65 to 75
Summer electricity bills often increase due to air conditioning use.
Groceries and Food Costs
Food costs in Virginia Beach reflect national pricing trends and local supply.
Grocery Prices
- Milk one liter: 1.10
- Fresh bread: 2.85
- Dozen eggs: 3.00
- Chicken breasts one kilogram: 9.50
- Apples one kilogram: 4.00
Dining Out
- Three course meal for two at a mid range restaurant: 70
- Fast food combo: 10 to 12
- Coffee: 4.00 to 5.00
Frequent dining out significantly increases monthly expenses.
Healthcare and Insurance
Healthcare costs in Virginia Beach closely match national averages.
Average prices:
- Doctor visit without insurance: 100 to 150
- Dental checkup: 120
- Employer sponsored insurance: 250 to 450 per month
Exploring insurance options before relocating can help reduce out of pocket costs.
Taxes State and Local Considerations
Virginia’s state taxes influence the overall Virginia Beach living cost.
Tax Overview
- State income tax: 2 percent to 5.75 percent
- Sales tax: 6 percent
- Property tax: 1.03 per 100 of assessed value
These rates are moderate when compared to high tax coastal states such as California or New Jersey.
Is Virginia Beach Expensive to Live In
Compared to many other US coastal cities, Virginia Beach is moderately affordable. Housing and transportation can be more expensive, but groceries taxes and lifestyle amenities help balance overall costs.
City Comparisons
- Virginia Beach vs Washington DC Virginia Beach is significantly more affordable.
- Virginia Beach vs San Diego California Similar coastal lifestyle at 30 to 40 percent lower cost.
- Virginia Beach vs Richmond Virginia Virginia Beach is slightly more expensive mainly due to housing.
The city offers a strong combination of affordability coastal living job opportunities and recreation.
Practical Tips to Save on Living Expenses
- Choose suburban areas Neighborhoods such as Kempsville or Bayside often offer lower rent.
- Use public transportation or carpool This reduces fuel and maintenance expenses.
- Meal planning Cooking at home saves considerably over eating out frequently.
- Shop off season Avoid tourist peaks when purchasing clothing or home goods.
- Explore healthcare options Use HealthCare dot gov or consult local counselors for assistance with ACA plans.
Frequently Asked Questions (FAQs)
A single resident can expect to spend 2,400 to 2,800 per month including rent utilities, food transportation and other essentials.
A livable salary for a single person ranges from 50000 to 60000 annually. For families a household income of $90,000 or more is typical depending on expenses.
Virginia Beach is slightly more expensive than Richmond or Norfolk mainly due to housing. However many residents feel the lifestyle advantages justify the cost.
Conclusion
So is Virginia Beach expensive to live in. It depends on expectations, lifestyle and personal budget. While not the cheapest city in Virginia it offers strong value through natural beauty, employment opportunities and quality of life. With thoughtful budgeting and planning the transition to Virginia Beach can be both smooth and affordable.
