Quick answer
Virginia Beach, VA evaluated for retirees: state tax on retirement income, healthcare access, cost of living on fixed income, walkability, and climate comfort.
VA · 2026
Is Virginia Beach Good for Retirement?
1BR rent
$1,400/mo
2BR rent
$1,750/mo
Walk Score
36/100
State tax
5.75%
Why Virginia Beach Works for Retirees
- ✓5.75% state income tax — check state rules on pension/Social Security taxation specifically
- ✓1BR median rent $1,400/mo — manageable on Social Security + modest savings
- ✓Median home $340K — downsizing from a coastal city could release significant equity
- ✓Healthcare access in Virginia Beach metro includes major hospital systems
Trade-offs to Consider
- ✗Walk Score 36 — car dependency is a significant concern as driving becomes more difficult; plan for this transition
- ✗Climate: Mild summers (78–87°F) — assess comfort for year-round living
- ✗Transit Score 25 — limited public transport options if you can no longer drive
- ✗Property taxes on a $340K home run $5,100-7,480/year in most areas
Frequently Asked Questions
Is Virginia Beach tax-friendly for retirees?
Virginia Beach is in VA with a 5.75% state income tax. Check whether your state taxes Social Security benefits and pension income specifically — rules vary. Some states exempt certain retirement income categories.
Can I retire comfortably in Virginia Beach on $3,000/month?
$3,000/month in Virginia Beach is manageable with careful budgeting. Breakdown: 1BR rent $1,400, utilities $175, groceries $380, transport $300-400, healthcare $300-500. Total essentials: $2,755/mo. Leaves some discretionary budget.
What are the best areas for retirees in Virginia Beach?
Retirees in Virginia Beach generally do best in established residential neighbourhoods with: good walkability to shops (even if overall Walk Score is low, local walkability matters), proximity to major hospital systems, single-story homes or elevator buildings, and active senior communities. Avoid high-entertainment districts (noisy, expensive) and very new suburbs (car-dependent without nearby services).