Colonial Heights, VA vs Lady Lake, FL: Cost of Living

Which city costs less?

Lady Lake, FL has a modeled overall cost index 0.7% higher than Colonial Heights, VA.

Colonial Heights, VA · modeled 2BR rent: $1,540 / month
Lady Lake, FL · modeled 2BR rent: $1,570 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Colonial Heights, VA and Lady Lake, FL using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Colonial Heights, VA

Numbers update automatically as you type

Estimated extra cost: $42.01/month in Lady Lake, FL

$150,000 in your current city has a modeled equivalent of $150,504 in Lady Lake, FL

Regional cost estimates: Colonial Heights, VA uses Richmond, VA. Lady Lake, FL uses Orlando, FL. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 0.7%

More expensive

Monthly Impact

$42.01

Extra cost

Annual Impact

$504

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Colonial Heights, VA

Population:18K

Cost Index:

94.5

100 = national average

Typical Home:$288K

Lady Lake, FL

Population:17K

Cost Index:

95.2

100 = national average

Typical Home:$316K

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Colonial Heights, VA

The Old Dominion State

18K

Population

State Tax

Yes

Located in Virginia, this city has a population of 18K residents.

Lady Lake, FL

The Sunshine State

17K

Population

State Tax

No Income Tax

Located in Florida, this city has a population of 17K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Estimated monthly spending: Colonial Heights, VA vs Lady Lake, FL

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Colonial Heights, VA	Lady Lake, FL	Difference	Change
Housing	$2,274/mo	$2,360/mo	↑ $86.12more	3.8%
Healthcare	$645/mo	$575/mo	↓ $69.65less	10.8%
Groceries	$979/mo	$1,028/mo	↑ $49.67more	5.1%
Transportation	$1,274/mo	$1,246/mo	↓ $28.02less	2.2%
Other	$1,744/mo	$1,754/mo	↑ $10.36more	0.6%
All Utilities	$585/mo	$579/mo	↓ $6.48less	1.1%

Housing

↑ 3.8%

Colonial Heights, VA

$2,274

Lady Lake, FL

$2,360

Difference

$86.12

Healthcare

↓ 10.8%

Colonial Heights, VA

$645

Lady Lake, FL

$575

Difference

$69.65

less

Groceries

↑ 5.1%

Colonial Heights, VA

$979

Lady Lake, FL

$1,028

Difference

$49.67

Transportation

↓ 2.2%

Colonial Heights, VA

$1,274

Lady Lake, FL

$1,246

Difference

$28.02

less

Other

↑ 0.6%

Colonial Heights, VA

$1,744

Lady Lake, FL

$1,754

Difference

$10.36

All Utilities

↓ 1.1%

Colonial Heights, VA

$585

Lady Lake, FL

$579

Difference

$6.48

less

🏠Rent Comparison

Studio

From$1,340

To$1,300

↓ $40.00

1 Bed

From$1,400

To$1,370

↓ $30.00

2 Bed

From$1,540

To$1,570

↑ $30.00

3 Bed

From$1,950

To$1,960

↑ $10.00

Colonial Heights, VAZIP-level data

1BR range: $1,400–$1,400/mo

Lady Lake, FLZIP-level data

1BR range: $1,370–$1,370/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Colonial Heights, VA

$7,542

Monthly in Lady Lake, FL

$42.01

Difference

Home Values

Colonial Heights

Lady Lake

$288K

Median Value

$316K

↑ +0.3%

YoY Change

↓ -3.9%

↑ +41.8%

5-Year Change

↑ +25.2%

Homes in Lady Lake are 10% more expensive than Colonial Heights

Calculate payment - Colonial Heights Calculate payment - Lady Lake

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $8.4K

Per year

Monthly Difference

$697

More take-home

Effective Rate Diff

5.6%

Rate difference

Colonial Heights, VA

Federal Income Tax

Effective: 18.9%

$25.5K

Virginia State Tax

Effective: 5.6%

$8.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.3%

$45.4K

Take-Home Pay

$8,718/month

$104.6K

Lady Lake, FL

Federal Income Tax

Effective: 18.9%

$25.5K

Florida State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Colonial Heights, VA Tax Rates

Sales Tax:5.7%

Property Tax:0.8%

Lady Lake, FL Tax Rates

Sales Tax:7.2%

Property Tax:0.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Colonial Heights

Lady Lake

36 Good

Air Quality

41 Good

79.2%

Good Air Days

75.6%

78 Low

Climate Risk

98 High

None

Top Hazards

🌊🌀🌪

▲+2.8°F

2050 Outlook

▲+2.3°F

30 days

Heat Days >95°F

58 days

▲+2.8°F

2050 Outlook

▲+2.3°F

30 days

Heat Days >95°F

58 days

Before moving from Colonial Heights, VA to Lady Lake, FL

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Lady Lake, FL for the same bedroom count and included utilities as your home in Colonial Heights, VA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Colonial Heights to Lady Lake moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Lady Lake, FL by cost, housing, population and region.

Frequently Asked Questions: Colonial Heights, VA vs Lady Lake, FL

How do the cost estimates for Colonial Heights, VA and Lady Lake, FL compare?

Lady Lake, FL has a modeled overall cost index 0.7% higher than Colonial Heights, VA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Colonial Heights, VA, the model estimates $150,504 in Lady Lake, FL. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Colonial Heights, VA and Lady Lake, FL?

The modeled two-bedroom rents are $1,540/month in Colonial Heights, VA and $1,570/month in Lady Lake, FL. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Virginia and Florida on TaxTakeHome.com