Mary Esther, FL vs West Point, VA: Cost of Living

Which city costs less?

West Point, VA has a modeled overall cost index 13.5% higher than Mary Esther, FL.

Mary Esther, FL · modeled 2BR rent
$1,710 / month
West Point, VA · modeled 2BR rent
$1,580 / 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 Mary Esther, FL and West Point, VA 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 extra cost: $1,015/month in West Point, VA

$150,000 in your current city has a modeled equivalent of $162,176 in West Point, VA

Regional cost estimates: Mary Esther, FL uses Montgomery, AL. West Point, VA uses Richmond, VA. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 13.5%
More expensive
Monthly Impact
$1,015
Extra cost
Annual Impact
$12.2K
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.

Mary Esther, FL

Population:4K
Cost Index:
80.3
100 = national average
Typical Home:$311K

West Point, VA

Population:4K
Cost Index:
91.1
100 = national average
Typical Home:$325K

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Mary Esther, FL

The Sunshine State

4K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 4K residents.

💡 Advantage: Florida has no state income tax!

West Point, VA

The Old Dominion State

4K
Population
State Tax
Yes

Located in Virginia, this city has a population of 4K residents.

Cost Breakdown by Category

Estimated monthly spending: Mary Esther, FL vs West Point, VA

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
↑ 33.1%
Mary Esther, FL
$1,928
West Point, VA
$2,567
Difference
$639
more
Other
↑ 11.3%
Mary Esther, FL
$1,769
West Point, VA
$1,969
Difference
$200
more
Healthcare
↑ 20.7%
Mary Esther, FL
$614
West Point, VA
$742
Difference
$127
more
Transportation
↑ 3.0%
Mary Esther, FL
$1,396
West Point, VA
$1,438
Difference
$42.33
more
All Utilities
↑ 4.2%
Mary Esther, FL
$646
West Point, VA
$673
Difference
$26.92
more
Groceries
↓ 1.8%
Mary Esther, FL
$1,146
West Point, VA
$1,126
Difference
$20.49
less

🏠Rent Comparison

Studio
From$1,300
To$1,380
↑ $80.00
1 Bed
From$1,510
To$1,440
↓ $70.00
2 Bed
From$1,710
To$1,580
↓ $130
3 Bed
From$2,350
To$1,980
↓ $370
Mary Esther, FLZIP-level data

1BR range: $1,510–$1,510/mo

West Point, VAZIP-level data

1BR range: $1,440–$1,440/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 Mary Esther, FL
$8,515
Monthly in West Point, VA
$1,015
Difference

Home Values

Mary Esther
West Point
$311K
Median Value
$325K
↓ -3.6%
YoY Change
↑ +1%
↑ +24.8%
5-Year Change
↑ +39.8%

Homes in West Point are 5% more expensive than Mary Esther

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $8.4K
More taxes
Monthly Difference
$697
Less take-home
Effective Rate Diff
5.6%
Rate difference

Mary Esther, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

West Point, 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

Additional Tax Information

Mary Esther, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

West Point, VA Tax Rates

Sales Tax:5.7%
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

Mary Esther
West Point
42 Good
Air Quality
36 Good
69%
Good Air Days
79.2%
92 Moderate
Climate Risk
78 Low
🌊🌡🌪
Top Hazards
None
▲+2.6°F
2050 Outlook
▲+2.8°F
62 days
Heat Days >95°F
30 days
▲+2.6°F
2050 Outlook
▲+2.8°F
62 days
Heat Days >95°F
30 days

Before moving from Mary Esther, FL to West Point, VA

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

  1. Compare actual homes. Get current quotes in West Point, VA for the same bedroom count and included utilities as your home in Mary Esther, FL. 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 Mary Esther to West Point moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to West Point, VA by cost, housing, population and region.

Frequently Asked Questions: Mary Esther, FL vs West Point, VA

How do the cost estimates for Mary Esther, FL and West Point, VA compare?

West Point, VA has a modeled overall cost index 13.5% higher than Mary Esther, FL. 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 Mary Esther, FL, the model estimates $162,176 in West Point, VA. 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 Mary Esther, FL and West Point, VA?

The modeled two-bedroom rents are $1,710/month in Mary Esther, FL and $1,580/month in West Point, VA. 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 Florida and Virginia on TaxTakeHome.com

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