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Lynchburg, VA

Cost of living in Lynchburg city, VA

Part of the Lynchburg Metro Area

Estimated monthly cost
$2,912/mo
for a single person, all categories combined

Population 79,255 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,062 36%
Healthcare $480 16%
Groceries $355 12%
Transport $320 11%
Federal tax $318 11%
Energy $202 7%
State tax $120 4%
Water $55 2%

Rent in Lynchburg city

Fair Market Rents by bedroom count.

Studio
$1,043
per month
1 bedroom
$1,062
per month
2 bedroom
$1,200
per month
3 bedroom
$1,647
per month
4 bedroom
$1,785
per month

Source: HUD FMR FY2025

Income and earnings in Lynchburg city

Annual earnings figures from the Census ACS.

Household income
$59,808
per year
Individual earnings
$29,505
per year
Per capita
$30,004
per year

Source: ACS 2019-2023 5-Year.

Home values in Lynchburg city

Average values reported by homeowners.

Average home value
$211,800
Annual property tax
$1,778

Source: ACS 2019-2023 5-Year

Energy costs in Lynchburg city

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 Lynchburg city

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
6.5%

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 Lynchburg city

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 Lynchburg city

Commute patterns and estimated costs.

Average commute
16.8 min
Drive alone
70.1%
Public transit
2.0%
Work from home
11.5%

Source: ACS

Monthly cost estimates for Lynchburg city

What it costs to live in Lynchburg city each month.

Single person
$2,912
per month
  • Rent $1,062
  • Energy $202
  • Water $55
  • Groceries $355
  • Transport $320
  • Healthcare $480
  • Federal tax $318
  • State tax $120
Couple
$4,293
per month
  • Rent $1,200
  • Energy $242
  • Water $65
  • Groceries $588
  • Transport $420
  • Healthcare $864
  • Federal tax $649
  • State tax $265
Family
$6,902
per month
  • Rent $1,647
  • Energy $303
  • Water $75
  • Groceries $893
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $649
  • State tax $265

Frequently asked questions about Lynchburg city

Common questions about cost of living, rent and salary.

What is the average rent in Lynchburg city?

In Lynchburg city, VA, a one-bedroom apartment averages $1,062 per month, a two-bedroom averages $1,200 per month, a three-bedroom averages $1,647 per month, according to HUD Fair Market Rent data.

What is the average salary in Lynchburg city?

In Lynchburg city, VA, the average household income is $59,808 per year and individual earnings for full-time workers average $29,505 per year, according to U.S. Census Bureau data.

What is the cost of living in Lynchburg city?

The estimated cost of living in Lynchburg city, VA is approximately $2,912 per month for a single person, $4,293 for a couple, $6,902 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Lynchburg city?

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

Is Lynchburg city an affordable place to live?

Based on the data, a single person in Lynchburg city, VA would need approximately $2,912 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $59,808 per year ($4,984 per month). Lynchburg city has a moderate cost of living relative to local earnings.

How much does healthcare cost in Lynchburg city?

The ACA marketplace benchmark premium in Lynchburg city, VA is approximately $480 per month for an individual. Approximately 6.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Lynchburg city?

The average home value in Lynchburg city, VA is $211,800, with average annual property taxes of $1,778, according to U.S. Census Bureau data.

How does Lynchburg city compare to other areas?

You can compare Lynchburg city, VA with any other US county using our comparison tool at /compare. Lynchburg city is in the Lynchburg, 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 Lynchburg city 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