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Winchester, VA-WV

Cost of living in Frederick County, VA

Part of the Winchester Metro Area

Estimated monthly cost
$3,523/mo
for a single person, all categories combined

Population 93,355 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,253 36%
Federal tax $643 18%
Healthcare $480 14%
Groceries $355 10%
Transport $320 9%
State tax $215 6%
Energy $202 6%
Water $55 2%

Rent in Frederick County

Fair Market Rents by bedroom count.

Studio
$1,095
per month
1 bedroom
$1,253
per month
2 bedroom
$1,569
per month
3 bedroom
$1,952
per month
4 bedroom
$2,635
per month

Source: HUD FMR FY2025

Income and earnings in Frederick County

Annual earnings figures from the Census ACS.

Household income
$95,603
per year
Individual earnings
$49,386
per year
Per capita
$45,248
per year

Source: ACS 2019-2023 5-Year.

Home values in Frederick County

Average values reported by homeowners.

Average home value
$355,000
Annual property tax
$1,807

Source: ACS 2019-2023 5-Year

Energy costs in Frederick 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 Frederick County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
7.3%

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 Frederick 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 Frederick County

Commute patterns and estimated costs.

Average commute
32.1 min
Drive alone
78.2%
Public transit
0.1%
Work from home
11.2%

Source: ACS

Monthly cost estimates for Frederick County

What it costs to live in Frederick County each month.

Single person
$3,523
per month
  • Rent $1,253
  • Energy $202
  • Water $55
  • Groceries $355
  • Transport $320
  • Healthcare $480
  • Federal tax $643
  • State tax $215
Couple
$5,420
per month
  • Rent $1,569
  • Energy $242
  • Water $65
  • Groceries $588
  • Transport $420
  • Healthcare $864
  • Federal tax $1,235
  • State tax $437
Family
$7,965
per month
  • Rent $1,952
  • Energy $303
  • Water $75
  • Groceries $893
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,235
  • State tax $437

Frequently asked questions about Frederick County

Common questions about cost of living, rent and salary.

What is the average rent in Frederick County?

In Frederick County, VA, a one-bedroom apartment averages $1,253 per month, a two-bedroom averages $1,569 per month, a three-bedroom averages $1,952 per month, according to HUD Fair Market Rent data.

What is the average salary in Frederick County?

In Frederick County, VA, the average household income is $95,603 per year and individual earnings for full-time workers average $49,386 per year, according to U.S. Census Bureau data.

What is the cost of living in Frederick County?

The estimated cost of living in Frederick County, VA is approximately $3,523 per month for a single person, $5,420 for a couple, $7,965 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Frederick County?

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

Is Frederick County an affordable place to live?

Based on the data, a single person in Frederick County, VA would need approximately $3,523 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $95,603 per year ($7,967 per month). Frederick County is relatively affordable compared to the national average.

How much does healthcare cost in Frederick County?

The ACA marketplace benchmark premium in Frederick County, VA is approximately $480 per month for an individual. Approximately 7.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Frederick County?

The average home value in Frederick County, VA is $355,000, with average annual property taxes of $1,807, according to U.S. Census Bureau data.

How does Frederick County compare to other areas?

You can compare Frederick County, VA with any other US county using our comparison tool at /compare. Frederick County is in the Winchester, VA-WV 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 Frederick 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