Montgomery vs Virginia Beach

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Montgomery has the same purchasing power as $99,684 in Virginia Beach.

Conversely, $75,000 in Virginia Beach equals $56,429 in Montgomery.

Living in Montgomery vs Virginia Beach

Housing Costs

Montgomery's housing index of 49 is lower Virginia Beach's 112, translating to median home prices of $162,000 vs $310,000. The $148,000 difference in home prices means roughly $9,624 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,000/mo in Montgomery compared to $1,500/mo in Virginia Beach, a monthly difference of $500.

Grocery & Food Costs

Grocery expenses index at 99 in Montgomery and 100 in Virginia Beach. A household spending the national average of $475/month on groceries would pay approximately $470/month in Montgomery vs $475/month in Virginia Beach. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 115 in Montgomery and 98 in Virginia Beach. Monthly utility bills average approximately $460 in Montgomery vs $392 in Virginia Beach. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.

Healthcare

Healthcare costs index at 78 in Montgomery and 99 in Virginia Beach. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 21-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $56,800 in Montgomery and $73,418 in Virginia Beach. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $71,899 and $69,922 respectively. Montgomery residents enjoy stronger real purchasing power despite lower nominal wages.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,325/month to housing in Montgomery vs $1,713/month in Virginia Beach. In Montgomery, median rent of $1,000/mo fits within this budget. In Virginia Beach, median rent of $1,500/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 63 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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