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Charlottesville, Virginia Retirement Guide
low crime rateestablished retirement community
55
Retirement Score
Charlottesville, Virginia at a Glance
- Median Home Price
- $398,400
- State Income Tax
- State income tax; Social Security exempt; age-based retirement income subtraction available.
- Avg January Low
- 25°F
- Cost of Living Index
- 102 (US avg = 100)
- Best For
- low crime rate, established retirement community
- RetireCityIQ Score
- 55 / 100
Retirement Data
Affordability
Cost of Living Index
102 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$398,400High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,357High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
45 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security exempt; age-based retirement income subtraction available.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
50.8 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
87.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
50.8 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
87°FMedium confidence
NOAA Climate Normals 1991-2020 · Updated March 2026
Avg January Low
25°FMedium confidence
NOAA Climate Normals 1991-2020 · Updated March 2026
Annual Precipitation
44"Medium confidence
NOAA Climate Normals 1991-2020 · Updated March 2026
Sunny Days / Year
200 daysMedium confidence
NOAA Climate Normals 1991-2020 · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
100 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
16.6 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
46,289High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
32.4High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
12.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$67,177High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
42.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
4.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
58.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
23.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
68.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
17.2%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
5.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
7.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Charlottesville using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$863
Stress-case monthly carrying cost
$969
Median home price used: $398,400
Median rent reference: $1,357 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.