City Comparison

Springfield vs Virginia Beach

Cost of Living Comparison · 2026

Springfield

Illinois
78
Very Affordable
$162,000
Median Home
$925/mo
Median Rent
$65,500
Median Income

Virginia Beach

Virginia
105
Average
$310,000
Median Home
$1,500/mo
Median Rent
$73,418
Median Income

The Verdict

25.7%

Living in Springfield costs 25.7% less than Virginia Beach. To match the purchasing power of a $75,000 salary in Springfield, you would need $100,962 in Virginia Beach.

Category-by-Category Breakdown

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

Housing
52
Springfield
112
Virginia Beach
Groceries
98
Springfield
100
Virginia Beach
Utilities
98
Springfield
98
Virginia Beach
Transportation
114
Springfield
101
Virginia Beach
Healthcare
91
Springfield
99
Virginia Beach

Salary Equivalence

A $75,000 salary in Springfield has the same purchasing power as $100,962 in Virginia Beach.

Conversely, $75,000 in Virginia Beach equals $55,714 in Springfield.

Living in Springfield vs Virginia Beach

Housing Costs

Springfield's housing index of 52 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: $925/mo in Springfield compared to $1,500/mo in Virginia Beach, a monthly difference of $575.

Grocery & Food Costs

Grocery expenses index at 98 in Springfield and 100 in Virginia Beach. A household spending the national average of $475/month on groceries would pay approximately $466/month in Springfield 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 98 in Springfield and 98 in Virginia Beach. Monthly utility bills average approximately $392 in Springfield vs $392 in Virginia Beach. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 91 in Springfield and 99 in Virginia Beach. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.

Income & Purchasing Power

Median household income is $65,500 in Springfield and $73,418 in Virginia Beach. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $83,974 and $69,922 respectively. Springfield residents enjoy stronger real purchasing power despite lower nominal wages.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,528/month to housing in Springfield vs $1,713/month in Virginia Beach. In Springfield, median rent of $925/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 60 index points — focus your budget analysis there.

Frequently Asked Questions

Springfield is 25.7% more affordable overall with an index of 78 vs 105.
A $75,000 salary in Springfield has equivalent purchasing power to approximately $100,962 in Virginia Beach, based on the cost of living difference.
Springfield's housing index is 52 with median homes at $162,000, while Virginia Beach's is 112 with median homes at $310,000.

Moving & Relocation Resources

Moving PlannersFinance BooksBudget Planners

As an Amazon Associate we earn from qualifying purchases