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Lovingston, VA Utility & Living Guide
Living in Lovingston, VA offers a charming small-town experience with easy access to outdoor recreation and a strong sense of community.
Monthly Utility Costs
$140/mo
—
$50/mo
$30/mo
$60/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1100/mo |
| 2 Bedrooms | $1400/mo |
| 3 Bedrooms | $2000/mo |
| Median Home Price | $340,000 |
| Property Tax Rate | 0.85% |
| Avg Childcare/mo | $1200 |
The housing market in Lovingston is characterized by a mix of historic homes, farmhouses, and new constructions, with prices ranging from affordable to luxury. The town’s small size and limited inventory can lead to competitive bidding for desirable properties. Rentals are also available, but options may be limited.
Cost of Living
105
+5% above national average
102
98
100
$1200
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 5.3% |
| Property Tax Rate | 0.85% |
| <p>State 4.3% + Local 1%</p> | |
Virginia has a progressive income tax system with rates ranging from 2% to 5.75%
Family & Relocation
60
7.2/10
$1200/mo
City Pulse
Lovingston has limited public transportation, but the town's compact size and walkability make it stroller-friendly
- Lovingston Winery
- James River State Park
- Wintergreen Resort
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Lovingston based on your household profile.
📰 Live Local News
Lovingston has zoning ordinances and building codes in place to preserve the town’s historic character and manage growth
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
Find Another City Guide
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📊 Lovingston — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Summer months bring higher electricity costs due to air conditioning usage, while winter months see increased costs for heating. However, the town's mild climate means that extreme temperature fluctuations are rare.
🏛️ Local Tax Details
The 22949 ZIP code has a property tax rate of 0.85%, with no local surtaxes
👶 Family & Stroller Friendliness
8/10, with wide sidewalks, accessible parks, and a compact downtown area, but limited elevator access in some older buildings
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