Cost Of Living in Callaghan, VA

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A+

3%

Overall NAT. AVG.

3%

Groceries NAT. AVG.

19%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Callaghan	Virginia	National
Cost of living	97	111	100
Groceries	103	103	100
Health care	102	103	100
Housing	81	129	100
Transportation	103	105	100
Utilities	104	104	100
Lifestyle & Entertainment	105	103	100
Household Items	104	102	100
Education & Childcare	103	109	100

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Cost Of Living Quick Facts

The cost of living in Callaghan is 13% lower than the Virginia average
The cost of living in Callaghan is 3% lower than the national average
Callaghan housing is 19% lower than the national average
Virginia general sales tax is 4% higher than the national average
Virginia state income tax is 23% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$136,160	$11,347	$3,177	$4,085
Renters	$0	$0	$0	$0

Virginia Sales Tax

State	General Sales Tax	With Max Surtax
Virginia	5.3%	6%

Virginia Income Tax

State	Income Tax (Low)	Income Tax (High)
Virginia	2%	5.75%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Low Moor, VA	345	103	3.5%
Selma, VA	512	86	14.1%
Covington, VA	5,839	88	12.4%
Clifton Forge, VA	3,667	90	9.8%
Falling Spring, WV	162	90	10.0%
Callaghan, VA	252	97	3.3%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Moose Pass, AK	252	128	28.3%
Malcolm, AL	252	75	25.0%
McNeal, AZ	252	86	13.8%
Hornbrook, CA	252	107	7.1%
Jakin, GA	252	86	14.2%
Callaghan, VA	252	97	3.3%