Lynchburg vs Richmond leftover
You'd keep $149 more a month in Richmond
$2,331/mo leftover in Richmond vs $2,182 in Lynchburg after tax and rent ($149 more). +$1,788 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Lynchburg leftover
$2,182
a month after tax and rent
Richmond leftover
$2,331
+$149 vs Lynchburg
Compare Lynchburg to another metro
Same paycheck. Try a different city next to Lynchburg.
Monthly gap
Lynchburg → Richmond
$149
more / month in Richmond
$2,331 in Richmond · $2,182 in Lynchburg · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 132 households moved Lynchburg → Richmond (avg AGI $63,462). 57 went the other way. The whole move →
+$149 / mo
| Per month | Lynchburg | Richmond | Difference |
|---|---|---|---|
| Gross pay | $6,708 | $7,549 | +$841 |
| Income and payroll tax | $1,614 | $1,911 | +$298 |
| Take-home pay | $5,095 | $5,638 | +$543 |
| Rent | $948 | $1,362 | +$414 |
| Getting around | $560 | $553 | −$7 |
| Groceries | $388 | $384 | −$4 |
| Healthcare | $436 | $432 | −$4 |
| Utilities | $242 | $240 | −$2 |
| Everything else | $339 | $336 | −$3 |
| Left over | $2,182 | $2,331 | +$149 |
To break even in Richmond, you'd need to earn
$88,000
Household gross, versus $80,500 today. That's the salary that leaves you exactly as much at the end of the month as Lynchburg does now.
The tax difference alone
−$580
A year, in state and local income tax. Effective rates: 24.1% in Lynchburg, 25.3% in Richmond.
More about Richmond
Lynchburg, VA in full
State income tax topping out at 5.75%, a median 2-bedroom asking rent of $1,128 and 212 sunny days; commutes average 23 minutes.
Richmond, VA in full
DC's cheaper cousin, two hours from both mountains and ocean.
The reverse move
Same two cities, but starting from Richmond on Richmond wages.
Richmond → Lynchburg →Questions
Is the cost of living lower in Richmond than Lynchburg?
A one-bedroom is about $948 in Lynchburg versus $1,362 in Richmond. On a one-adult, one-bedroom household, leftover is about $149 a month higher in Richmond. Change the job or household on the comparison to see your number.
Does Richmond have state income tax?
Richmond is in Virginia, which taxes wage income.
What changes if you move from Lynchburg to Richmond?
Take-home pay is recalculated under Virginia tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Lynchburg and Richmond moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.