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Virginia

Cost of living in Charlotte County, VA

Estimated monthly cost
$2,642/mo
for a single person, all categories combined

Population 11,475 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $649 25%
Healthcare $480 18%
Federal tax $429 16%
Groceries $355 13%
Transport $320 12%
Energy $202 8%
State tax $152 6%
Water $55 2%

Rent in Charlotte County

Fair Market Rents by bedroom count.

Studio
$644
per month
1 bedroom
$649
per month
2 bedroom
$851
per month
3 bedroom
$1,079
per month
4 bedroom
$1,429
per month

Source: HUD FMR FY2025

Income and earnings in Charlotte County

Annual earnings figures from the Census ACS.

Household income
$48,892
per year
Individual earnings
$36,302
per year
Per capita
$28,682
per year

Source: ACS 2019-2023 5-Year.

Home values in Charlotte County

Average values reported by homeowners.

Average home value
$144,000
Annual property tax
$739

Source: ACS 2019-2023 5-Year

Energy costs in Charlotte County

Estimated monthly electricity and gas costs.

Electricity
$153
per month · 14.6¢/kWh
Natural gas
$49
per month
Annual total
$2,424
per year

Source: EIA

Healthcare in Charlotte County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.9%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Charlotte County

State and local tax rates for Virginia.

State income tax
5.8%
Top marginal rate
State sales tax
5.3%
Combined sales tax
5.8%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Charlotte County

Commute patterns and estimated costs.

Average commute
32.4 min
Drive alone
83.4%
Public transit
0.1%
Work from home
5.4%

Source: ACS

Monthly cost estimates for Charlotte County

What it costs to live in Charlotte County each month.

Single person
$2,642
per month
  • Rent $649
  • Energy $202
  • Water $55
  • Groceries $355
  • Transport $320
  • Healthcare $480
  • Federal tax $429
  • State tax $152
Couple
$3,719
per month
  • Rent $851
  • Energy $242
  • Water $65
  • Groceries $588
  • Transport $420
  • Healthcare $864
  • Federal tax $476
  • State tax $213
Family
$6,109
per month
  • Rent $1,079
  • Energy $303
  • Water $75
  • Groceries $893
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $476
  • State tax $213

Frequently asked questions about Charlotte County

Common questions about cost of living, rent and salary.

What is the average rent in Charlotte County?

In Charlotte County, VA, a one-bedroom apartment averages $649 per month, a two-bedroom averages $851 per month, a three-bedroom averages $1,079 per month, according to HUD Fair Market Rent data.

What is the average salary in Charlotte County?

In Charlotte County, VA, the average household income is $48,892 per year and individual earnings for full-time workers average $36,302 per year, according to U.S. Census Bureau data.

What is the cost of living in Charlotte County?

The estimated cost of living in Charlotte County, VA is approximately $2,642 per month for a single person, $3,719 for a couple, $6,109 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Charlotte County?

The combined sales tax rate in Charlotte County, VA is 5.75%, which includes the Virginia state rate of 5.30% plus an average local rate of 0.45%.

Is Charlotte County an affordable place to live?

Based on the data, a single person in Charlotte County, VA would need approximately $2,642 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $48,892 per year ($4,074 per month). Charlotte County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Charlotte County?

The ACA marketplace benchmark premium in Charlotte County, VA is approximately $480 per month for an individual. Approximately 5.9% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Charlotte County?

The average home value in Charlotte County, VA is $144,000, with average annual property taxes of $739, according to U.S. Census Bureau data.

How does Charlotte County compare to other areas?

You can compare Charlotte County, VA with any other US county using our comparison tool at /compare. Charlotte County is in Virginia.

Other counties in Virginia

Browse the full list of counties in Virginia, ranked by cost of living.

See all counties in Virginia

Compare Charlotte County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources