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Virginia Beach-Chesapeake-Norfolk, VA-NC

Cost of living in James City County, VA

Part of the Virginia Beach Metro Area

Estimated monthly cost
$3,752/mo
for a single person, all categories combined

Population 80,046 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,483 40%
Federal tax $642 17%
Healthcare $480 13%
Groceries $355 9%
Transport $320 9%
State tax $215 6%
Energy $202 5%
Water $55 1%

Rent in James City County

Fair Market Rents by bedroom count.

Studio
$1,475
per month
1 bedroom
$1,483
per month
2 bedroom
$1,696
per month
3 bedroom
$2,361
per month
4 bedroom
$2,809
per month

Source: HUD FMR FY2025

Income and earnings in James City County

Annual earnings figures from the Census ACS.

Household income
$107,046
per year
Individual earnings
$49,312
per year
Per capita
$53,887
per year

Source: ACS 2019-2023 5-Year.

Home values in James City County

Average values reported by homeowners.

Average home value
$419,200
Annual property tax
$2,786

Source: ACS 2019-2023 5-Year

Energy costs in James City 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 James City County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.2%

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 James City 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 James City County

Commute patterns and estimated costs.

Average commute
26.9 min
Drive alone
75.2%
Public transit
0.6%
Work from home
15.7%

Source: ACS

Monthly cost estimates for James City County

What it costs to live in James City County each month.

Single person
$3,752
per month
  • Rent $1,483
  • Energy $202
  • Water $55
  • Groceries $355
  • Transport $320
  • Healthcare $480
  • Federal tax $642
  • State tax $215
Couple
$5,788
per month
  • Rent $1,696
  • Energy $242
  • Water $65
  • Groceries $588
  • Transport $420
  • Healthcare $864
  • Federal tax $1,422
  • State tax $491
Family
$8,615
per month
  • Rent $2,361
  • Energy $303
  • Water $75
  • Groceries $893
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,422
  • State tax $491

Frequently asked questions about James City County

Common questions about cost of living, rent and salary.

What is the average rent in James City County?

In James City County, VA, a one-bedroom apartment averages $1,483 per month, a two-bedroom averages $1,696 per month, a three-bedroom averages $2,361 per month, according to HUD Fair Market Rent data.

What is the average salary in James City County?

In James City County, VA, the average household income is $107,046 per year and individual earnings for full-time workers average $49,312 per year, according to U.S. Census Bureau data.

What is the cost of living in James City County?

The estimated cost of living in James City County, VA is approximately $3,752 per month for a single person, $5,788 for a couple, $8,615 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in James City County?

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

Is James City County an affordable place to live?

Based on the data, a single person in James City County, VA would need approximately $3,752 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $107,046 per year ($8,921 per month). James City County is relatively affordable compared to the national average.

How much does healthcare cost in James City County?

The ACA marketplace benchmark premium in James City County, VA is approximately $480 per month for an individual. Approximately 4.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in James City County?

The average home value in James City County, VA is $419,200, with average annual property taxes of $2,786, according to U.S. Census Bureau data.

How does James City County compare to other areas?

You can compare James City County, VA with any other US county using our comparison tool at /compare. James City County is in the Virginia Beach-Chesapeake-Norfolk, VA-NC 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 James City 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