Gate City, VA vs Belmont, MS: Cost of Living

Which city costs less?

Belmont, MS has a modeled overall cost index 9.5% lower than Gate City, VA.

Gate City, VA · modeled 2BR rent
$940 / month
Belmont, MS · modeled 2BR rent
$870 / 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 Gate City, VA and Belmont, MS 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

$
Numbers update automatically as you type

Estimated savings: $732/month in Belmont, MS

$150,000 in your current city has a modeled equivalent of $141,218 in Belmont, MS

Regional cost estimates: Gate City, VA uses Winston-Salem, NC. Belmont, MS uses Birmingham, AL. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 9.5%
Less expensive
Monthly Impact
$732
Savings
Annual Impact
$8.8K
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.

Gate City, VA

Population:2K
Cost Index:
79.3
100 = national average
Typical Home:$163K

Belmont, MS

Population:2K
Cost Index:
71.7
100 = national average
Typical Home:$160K

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Gate City, VA

The Old Dominion State

2K
Population
State Tax
Yes

Located in Virginia, this city has a population of 2K residents.

Belmont, MS

The Magnolia State

2K
Population
State Tax
Yes

Located in Mississippi, this city has a population of 2K residents.

Cost Breakdown by Category

Estimated monthly spending: Gate City, VA vs Belmont, MS

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.

Housing
↓ 16.5%
Gate City, VA
$2,086
Belmont, MS
$1,742
Difference
$344
less
Other
↓ 7.5%
Gate City, VA
$1,711
Belmont, MS
$1,584
Difference
$128
less
Healthcare
↓ 17.7%
Gate City, VA
$693
Belmont, MS
$570
Difference
$122
less
Transportation
↓ 7.5%
Gate City, VA
$1,307
Belmont, MS
$1,210
Difference
$97.46
less
Groceries
↓ 3.8%
Gate City, VA
$1,105
Belmont, MS
$1,063
Difference
$42.01
less
All Utilities
↑ 0.3%
Gate City, VA
$598
Belmont, MS
$600
Difference
$1.50
more

🏠Rent Comparison

Studio
From$670
To$750
↑ $80.00
1 Bed
From$750
To$790
↑ $40.00
2 Bed
From$940
To$870
↓ $70.00
3 Bed
From$1,210
To$1,150
↓ $60.00
Gate City, VAZIP-level data

1BR range: $750–$750/mo

Belmont, MSZIP-level data

1BR range: $790–$790/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 Gate City, VA
$6,768
Monthly in Belmont, MS
$732
Difference

Home Values

Gate City
Belmont
$163K
Median Value
$160K
↑ +4.7%
YoY Change
↓ -4.3%
↑ +54.8%
5-Year Change
↑ +13%

Homes in Belmont are 1% less expensive than Gate City

Calculate payment - Gate CityCalculate payment - Belmont

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $1.0K
Per year
Monthly Difference
$84.79
More take-home
Effective Rate Diff
0.7%
Rate difference

Gate City, 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

Belmont, MS

Federal Income Tax
Effective: 18.9%
$25.5K
Mississippi State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.4K
Take-Home Pay
$8,803/month
$105.6K

Additional Tax Information

Gate City, VA Tax Rates

Sales Tax:5.7%
Property Tax:0.8%

Belmont, MS Tax Rates

Sales Tax:7.1%
Property Tax:0.6%

💡 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

Gate City
Belmont
47 Good
Air Quality
57 Moderate
57.4%
Good Air Days
26%
92 Moderate
Climate Risk
98 High
🌊🌪💨
Top Hazards
🌊🌡🌪
▲+2.8°F
2050 Outlook
▲+2.5°F
30 days
Heat Days >95°F
41 days
▲+2.8°F
2050 Outlook
▲+2.5°F
30 days
Heat Days >95°F
41 days

Before moving from Gate City, VA to Belmont, MS

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

  1. Compare actual homes. Get current quotes in Belmont, MS for the same bedroom count and included utilities as your home in Gate City, VA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Gate City to Belmont moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Belmont, MS by cost, housing, population and region.

Frequently Asked Questions: Gate City, VA vs Belmont, MS

How do the cost estimates for Gate City, VA and Belmont, MS compare?

Belmont, MS has a modeled overall cost index 9.5% lower than Gate City, 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 Gate City, VA, the model estimates $141,218 in Belmont, MS. 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 Gate City, VA and Belmont, MS?

The modeled two-bedroom rents are $940/month in Gate City, VA and $870/month in Belmont, MS. 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 Mississippi on TaxTakeHome.com

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