Cost of Living in Amelia County, Virginia
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Amelia County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Amelia County ranks #1,110 of 3,144 counties for affordability (top 35%)
Data Story
About Cost of Living in Amelia County, Virginia
Amelia offers better housing deals than national average
Amelia residents spend 17.6% of household income on rent, beating the national average of 18.6% while maintaining a median household income of $66,339, just under the U.S. median of $74,755. This combination makes Amelia a genuinely affordable option for moderate-income households.
Virginia's sweet spot for balanced affordability
Amelia's rent-to-income ratio of 17.6% ranks among Virginia's most affordable, sitting 1.0 percentage point below the state average of 18.6%. The median gross rent of $972 is $168 below the state median, delivered with solid local incomes.
Competitive with rural Virginia's best deals
Amelia's $972 median rent nearly matches Accomack ($973) and falls between Appomattox ($883) and Amherst ($842), while its rent-to-income ratio of 17.6% beats most rural peers. It represents a balanced choice among central Virginia's lower-cost counties.
Stable costs across renting and owning
Renters pay $972 monthly while homeowners pay $919—nearly equal burdens—on a $66,339 median household income. Together, housing consumes roughly 18% of income, slightly below state average and quite manageable for working families.
Amelia balances affordability with stability
If you seek a rural, stable community with below-state-average housing costs and solid local incomes, Amelia offers genuine value without extreme tradeoffs. The county's central location makes it accessible to Richmond employment and larger regional opportunities.
Cost of Living Advisory: Amelia County
Affordability Verdict
Housing in Amelia County is affordable. The median rent is $972/month against a median household income of $66,339, putting rent at 17.6% of income.
Rent vs. Own
The median rent in Amelia County is $972/month, while owner costs run $919/month. Owning saves approximately $53/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $38,880/year. For owner costs at the 28% rule, the required income is roughly $39,386/year. With a median household income of $66,339, most households can comfortably afford rent here. Notably, 26.0% of renter households in Amelia County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Amelia County sits 7% less expensive than Lynchburg city ($1,043/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Amelia County
Rent Burden
17.6%
of gross income
Max Housing (28% Rule)
$1,548
per month
Owner Cost Burden
16.6%
of gross income
The median home in Amelia County may be a stretch
Median home value is $239,700. Estimated monthly cost: $1,914 vs. your max of $1,548.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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