How does the cost of living in Charlottesville compare to the national average?

Charlottesville’s cost‑of‑living index is 105, meaning it is about 5 % higher than the national average of 100. This modest increase is driven mainly by housing costs, which are above the national median. Your salary of $68,000 per year is close to the city’s average, so after taxes you should expect a similar disposable income to other U.S. cities with a comparable index. Budget for slightly higher grocery, utility, and transportation expenses, but many everyday items remain near national prices. For a detailed breakdown you can consult the city’s economic development office or cost‑of‑living calculators that let you input your specific spending categories.