Cost of Living in Fredericksburg, VA (2026) – Salary Needed & Budget Calculator

Thinking about moving to Fredericksburg? Use this 2026 Fredericksburg cost of living calculator to estimate rent, groceries, utilities, transportation, healthcare and taxes.

Monthly Budget Breakdown

Net Monthly Income
$3,645.33
Estimated Expenses
$3,238.20
Monthly Remaining
$407.13
Tight Budget
🟢 Budget Assessment

You have very little buffer for savings or emergencies. A frugal lifestyle may be required.

With this income, you can potentially save around $4,886 per year.
Category Monthly Cost
Rent (Single) $1,550.00
Utilities $262.00
Groceries $450.00
Transportation (Public) $350.00
Healthcare $400.00
Miscellaneous (10.0%) $226.20
Total Estimated Costs $3,238.20
Tax & Benefits Breakdown
Federal: $434.67/mo
FICA: $382.50/mo
State: $287.50/mo
Benefits: $250.00/mo

Quality of Life & Environment

Local Climate

Enjoy 193 days of sunshine per year. Summer highs avg 90°F, while winter lows dip to 17°F.

Safety & Crime Rate
Very High 89/100

Fredericksburg ranks as a very high safety zone compared to national averages for similar-sized metros.

Environmental Index

Air quality and environmental health factors in Virginia remain a key priority for 2026.

Good Air Quality

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Fredericksburg, VA Cost of Living Guide (2026)

Fredericksburg, VA is a key location in the heart of Virginia, featuring a 2026 cost of living that balances accessibility with quality services.

🏠 2026 Housing & Rent

Housing remains a primary concern for residents. In 2026, the median 1-bedroom rent in Fredericksburg is approximately $1,550. This rate reflects the local demand for modern apartment living and proximity to urban centers.

💰 Taxes and Financial Planning

Financial planning in Fredericksburg is significantly impacted by Virginia's tax structure. With a state income tax rate of 5.75%, your take-home pay should be calculated carefully to ensure all 2026 expenses are covered.

🌟 Local Vibe & Lifestyle

Living in Fredericksburg provides access to a variety of recreational activities and a growing culinary scene. It is a city that prides itself on safety and local heritage.

Salary Needed to Live Comfortably

In our estimation, to live a comfortable life in Fredericksburg with a buffer for savings and hobbies, you would need a gross annual salary of approximately:

$67,811.20

This assumes you want to save at least $1,000 per month after all expenses and taxes.

Frequently Asked Questions

Fredericksburg's cost of living is relative. Compared to major hubs like NYC or SF, it remains more accessible. Currently, a median 1-bedroom apartment in Fredericksburg rents for approximately $1,550.

Based on local 2026 data, a single professional would typically need a gross annual salary of at least $67,811 to live comfortably, allowing for savings and leisure after paying for rent, taxes, and groceries.

Fredericksburg has a safety score of 89/100, which is considered very high according to our latest 2026 neighborhood analytics.
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Calculator Disclaimer

The results provided by this calculator are estimates based on publicly available data and modeling assumptions. Actual living costs, taxes, and relocation expenses may vary depending on personal circumstances, market conditions, and local regulations. This tool is intended for informational purposes only and should not be considered financial, tax, or legal advice. Always consult a qualified professional before making financial or relocation decisions.