Cost of Living in James City County, Virginia
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How James City County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in James City County, Virginia
James City: Premium Living, Strong Affordability
At 16.7%, James City County's rent-to-income ratio sits below Virginia's state average of 18.6%, offering solid affordability in one of Virginia's most desirable communities. With a median household income of $107,046—43% above the national median—residents possess exceptional earning power relative to housing costs.
Virginia's Affluent Yet Accessible
James City County ranks among Virginia's most affordable wealthy communities, combining a 16.7% rent-to-income ratio with strong median income of $107,046. This Colonial Williamsburg-area county proves that premium living can coexist with genuine housing affordability when income aligns with costs.
Premium Prices, Premium Income
James City's median rent of $1,491 closely matches Hanover's $1,496 and Isle of Wight's $1,313, but its median home value of $419,200 stands highest among comparable counties. Yet with a $107,046 median income second only to Hanover ($109,504), James City residents have the purchasing power to afford these premium prices.
Strong Income Supports Premium Housing
James City renters spend $1,491 monthly—16.7% of a $107,046 median income—leaving ample resources for savings and discretionary spending. Homeowners face $1,624 monthly costs with median values of $419,200, but the county's exceptional income base makes both rental and owner-occupied housing manageable despite higher absolute prices.
James City: Premium Community, Fair Prices
Relocating to James City County gives you premium living—historic neighborhoods, Colonial Williamsburg proximity, strong schools—with a 16.7% rent-to-income ratio that rivals less affluent areas. If your household income matches or exceeds the median of $107,046, James City delivers unparalleled value for Virginia's most desirable communities.
Affordability Calculator
See how your income compares to housing costs in James City County
Rent Burden
16.7%
of gross income
Max Housing (28% Rule)
$2,498
per month
Owner Cost Burden
18.2%
of gross income
The median home in James City County may be a stretch
Median home value is $419,200. Estimated monthly cost: $3,347 vs. your max of $2,498.
Rent Affordability Guide
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.