James City County, VA at a glance
Median household income
$109,985$9,165 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in James City County, VA?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in James City County, VA? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $1,492 | $17,904 | $59,680 | 16.3% |
| 1-Bedroom Apartment | $1,512 | $18,144 | $60,480 | 16.5% |
| 2-Bedroom ApartmentBenchmark | $1,713 | $20,556 | $68,520 | 18.7% |
| 3-Bedroom Home | $2,376 | $28,512 | $95,040 | 25.9% |
| 4-Bedroom Home | $2,797 | $33,564 | $111,880 | 30.5% |
Rent in James City County, VA, with the wage each unit needs →
What a typical income covers in James City County, VA
The 50/30/20 rule applied to the local median of $109,985 a year ($9,165 a month before tax).
What $109,985 leaves after Virginia taxes
Federal income tax, Social Security, Medicare and Virginia tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Virginia
Living in James City County, VA: common questions
What is the median household income in James City County, VA?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in James City County, VA is $109,985 per year (approximately $9,165 per month).
What is the average rent in James City County, VA?
The closest official figure is HUD's Fair Market Rent for 2026: $1,492 for a studio, $1,512 for one bedroom, $1,713 for two, $2,376 for three and $2,797 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is James City County, VA expensive to live in?
Prices there run 2.1% below the U.S. average. BEA's regional price parity for the metro area is 97.9, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in James City County, VA?
To keep a $1,713 two-bedroom under 30% of gross income, a household needs about $68,520 a year, or $5,710 a month. That is 62% of what the typical household in James City County, VA earns.
How much do you need to live comfortably in James City County, VA?
On the local median income of $109,985 ($9,165 a month before tax), the 50/30/20 rule leaves $4,583 a month for needs like rent, utilities and groceries, $2,750 for everything else and $1,833 for savings or debt. A two-bedroom at $1,713 takes 37% of the needs share.
How much is the electric bill in James City County, VA?
Homes in Virginia paid 17.2¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $155. Your bill depends mostly on heating and cooling.