LivabilityCalc
Find Your City
City Housing Verdict

Bellwood, VA

High Pressure

The cost of living in Bellwood, VA is 3% below the national average (Cost Index: 97). Homes here are typically valued around $316,641, compared to the $303,400 national median. The median household income is $50,172 — overall, living costs and earnings are reasonably balanced in this area.

Bellwood already reads as a high-pressure housing market, with 27% rent burden, 6.3x home-price-to-income, and a housing index of 104. Treat this page as a stress test for rent, mortgage, and tax burden before assuming the move works.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Stretch

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Bellwood.

Monthly Housing
$1,132/mo
Lower of rent or buy scenario
Housing Burden
27%
Healthy
Residual Cash
$2,549/mo
After housing and debt · $850/person
Rent vs Buy
Rent first
Main pressure: home prices
Assumptions
Housing Mode
Confidence: MediumHome source: ZILLOWRent source: ACSBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 39%
Uses a URL fragment, so it does not create a separate indexed page.
Cost Index
97
Average
Based on housing costs · See methodology
Median Home Value
$316,641
Zillow ZHVI Market Rate • Census ACS: $192,600
National: $303,400
Median Rent
$1,132/mo
Source: Census ACS
National: $1,348/mo
Household Income
$50,172
National: $78,538
Population
8,489
Purchasing Power
66
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
104 / 100
Close to average
Rent Index
84 / 100
16% below average
Goods & Groceries
97 / 100
About the same as most US cities
Utilities
89 / 100
11% lower utility bills
Healthcare & Services
99 / 100
In line with national average
Overall Index
97
Average

Bellwood Mortgage Calculator

Pre-filled with the local median home value of $316,641 and Virginia's property tax rate of 0.82%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$50,172
Census ACS place context
Rent Burden Estimate
27%
Typical annual rent / local household income
Home Price to Income
6.3x
Typical home value / local household income
Use this section to judge whether Bellwood looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Bellwood, VA

Est. Annual Property Tax
$2,596
Monthly Impact
$216
Added to your mortgage
Effective Rate
0.82%
National avg: ~1.00%

Virginia Place Tax Context

Tax TypeVirginiaNational Avg
Property Tax Rate0.82%1.00%
Top Income Tax Rate5.75%~5.0%
State Sales Tax5.75%~5.0%

Compare Bellwood to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Bellwood, VA
97
84
Loading cities...
---
---

Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Bellwood, VA: 104
Rent Prices
84

FAQ: Living in Bellwood

What is the cost of living like in Bellwood, VA?+

Living costs in Bellwood land close to the national average, with a Cost Index of 97 (where 100 = the US baseline). Housing is the largest variable: the median home value here is $316,641, and typical monthly rents run around $1,132. Groceries and utilities are in line with what you would find in most US cities.

How does Bellwood fit a household housing budget?+

Start with housing. Typical monthly rent is $1,132, while local median household income is $50,172. That implies a rent-burden proxy of about 27% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Bellwood, VA?+

Virginia has a progressive state income tax with a top rate of 5.75%. The effective property tax rate is 0.82%. On a home worth $316,641, that translates to roughly $2,596 per year in property taxes. Sales tax (state + local) averages around 5.75% on everyday purchases.

How much does it cost to rent in Bellwood, VA?+

The typical monthly rent in Bellwood is around $1,132. That's roughly 16% lower than the $1,348 national median. For comparison, the median home value here is $316,641, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Bellwood, VA?+

The median home in Bellwood is valued at $316,641. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $1,601/month for principal and interest alone — before property taxes and insurance. About 45% of residents here own their homes.

Are groceries and utilities expensive in Bellwood?+

Grocery prices in Bellwood are about average compared to the rest of the US (index: 97, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 89). Overall, these everyday costs shouldn't cause major surprises if you're moving from another similarly-sized US city.

What is Bellwood, VA like to live in?+

Bellwood is a small town with a population of about 8,489. The median age of residents is 33, which is close to the national median. The local poverty rate is 17.94%, above the national average of 12.4%.

Lower-Pressure Alternatives in Virginia

If Bellwood feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in Virginia

Use these city pages when you want to compare Bellwood against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly