Skip to main content
LiveWhere us
Richmond, VA

Cost of living in Chesterfield County, VA

Part of the Richmond Metro Area

Estimated monthly cost
$3,866/mo
for a single person, all categories combined

Population 371,610 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,545 40%
Federal tax $682 18%
Healthcare $480 12%
Groceries $355 9%
Transport $320 8%
State tax $227 6%
Energy $202 5%
Water $55 1%

Rent in Chesterfield County

Fair Market Rents by bedroom count.

Studio
$1,488
per month
1 bedroom
$1,545
per month
2 bedroom
$1,711
per month
3 bedroom
$2,166
per month
4 bedroom
$2,677
per month

Source: HUD FMR FY2025

Income and earnings in Chesterfield County

Annual earnings figures from the Census ACS.

Household income
$98,910
per year
Individual earnings
$51,768
per year
Per capita
$46,772
per year

Source: ACS 2019-2023 5-Year.

Home values in Chesterfield County

Average values reported by homeowners.

Average home value
$336,700
Annual property tax
$2,636

Source: ACS 2019-2023 5-Year

Energy costs in Chesterfield 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 Chesterfield County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.9%

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 Chesterfield 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 Chesterfield County

Commute patterns and estimated costs.

Average commute
26.4 min
Drive alone
73.2%
Public transit
0.4%
Work from home
17.0%

Source: ACS

Monthly cost estimates for Chesterfield County

What it costs to live in Chesterfield County each month.

Single person
$3,866
per month
  • Rent $1,545
  • Energy $202
  • Water $55
  • Groceries $355
  • Transport $320
  • Healthcare $480
  • Federal tax $682
  • State tax $227
Couple
$5,631
per month
  • Rent $1,711
  • Energy $242
  • Water $65
  • Groceries $588
  • Transport $420
  • Healthcare $864
  • Federal tax $1,289
  • State tax $452
Family
$8,248
per month
  • Rent $2,166
  • Energy $303
  • Water $75
  • Groceries $893
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,289
  • State tax $452

Frequently asked questions about Chesterfield County

Common questions about cost of living, rent and salary.

What is the average rent in Chesterfield County?

In Chesterfield County, VA, a one-bedroom apartment averages $1,545 per month, a two-bedroom averages $1,711 per month, a three-bedroom averages $2,166 per month, according to HUD Fair Market Rent data.

What is the average salary in Chesterfield County?

In Chesterfield County, VA, the average household income is $98,910 per year and individual earnings for full-time workers average $51,768 per year, according to U.S. Census Bureau data.

What is the cost of living in Chesterfield County?

The estimated cost of living in Chesterfield County, VA is approximately $3,866 per month for a single person, $5,631 for a couple, $8,248 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Chesterfield County?

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

Is Chesterfield County an affordable place to live?

Based on the data, a single person in Chesterfield County, VA would need approximately $3,866 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $98,910 per year ($8,243 per month). Chesterfield County is relatively affordable compared to the national average.

How much does healthcare cost in Chesterfield County?

The ACA marketplace benchmark premium in Chesterfield County, VA is approximately $480 per month for an individual. Approximately 6.9% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Chesterfield County?

The average home value in Chesterfield County, VA is $336,700, with average annual property taxes of $2,636, according to U.S. Census Bureau data.

How does Chesterfield County compare to other areas?

You can compare Chesterfield County, VA with any other US county using our comparison tool at /compare. Chesterfield County is in the Richmond, VA metro area.

Other counties in Virginia

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

See all counties in Virginia

Compare Chesterfield 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