Waverly, VA vs Holly Hill, SC: Cost of Living

Which city costs less?

Holly Hill, SC has a modeled overall cost index 23.6% lower than Waverly, VA.

Waverly, VA · modeled 2BR rent: $1,540 / month
Holly Hill, SC · modeled 2BR rent: $1,300 / 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 Waverly, VA and Holly Hill, SC 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 Waverly, VA

Numbers update automatically as you type

Estimated savings: $1,545/month in Holly Hill, SC

$150,000 in your current city has a modeled equivalent of $131,460 in Holly Hill, SC

Regional cost estimates: Waverly, VA uses Richmond, VA. Holly Hill, SC uses Charlotte, NC. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 23.6%

Less expensive

Monthly Impact

$1,545

Savings

Annual Impact

$18.5K

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.

Waverly, VA

Population:2K

Cost Index:

89.8

100 = national average

Typical Home:$181K

Holly Hill, SC

Population:1K

Cost Index:

68.6

100 = national average

Typical Home:$184K

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Waverly, VA

The Old Dominion State

Population

State Tax

Yes

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

Holly Hill, SC

The Palmetto State

Population

State Tax

Yes

Located in South Carolina, this city has a population of 1K residents.

Cost Breakdown by Category

Estimated monthly spending: Waverly, VA vs Holly Hill, SC

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	Waverly, VA	Holly Hill, SC	Difference	Change
Housing	$2,257/mo	$1,722/mo	↓ $535less	23.7%
Other	$1,730/mo	$1,323/mo	↓ $407less	23.5%
Transportation	$1,264/mo	$932/mo	↓ $333less	26.3%
All Utilities	$596/mo	$478/mo	↓ $118less	19.7%
Groceries	$996/mo	$912/mo	↓ $84.75less	8.5%
Healthcare	$656/mo	$588/mo	↓ $68.32less	10.4%

Housing

↓ 23.7%

Waverly, VA

$2,257

Holly Hill, SC

$1,722

Difference

$535

less

Other

↓ 23.5%

Waverly, VA

$1,730

Holly Hill, SC

$1,323

Difference

$407

less

Transportation

↓ 26.3%

Waverly, VA

$1,264

Holly Hill, SC

$932

Difference

$333

less

All Utilities

↓ 19.7%

Waverly, VA

$596

Holly Hill, SC

$478

Difference

$118

less

Groceries

↓ 8.5%

Waverly, VA

$996

Holly Hill, SC

$912

Difference

$84.75

less

Healthcare

↓ 10.4%

Waverly, VA

$656

Holly Hill, SC

$588

Difference

$68.32

less

🏠Rent Comparison

Studio

From$1,340

To$1,130

↓ $210

1 Bed

From$1,400

To$1,170

↓ $230

2 Bed

From$1,540

To$1,300

↓ $240

3 Bed

From$1,950

To$1,620

↓ $330

Waverly, VAZIP-level data

1BR range: $1,400–$1,400/mo

Holly Hill, SCZIP-level data

1BR range: $1,170–$1,170/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 Waverly, VA

$5,955

Monthly in Holly Hill, SC

$1,545

Difference

Home Values

Waverly

Holly Hill

$181K

Median Value

$184K

↓ -2.4%

YoY Change

↑ +2.5%

↑ +38.3%

5-Year Change

↑ +19.3%

Homes in Holly Hill are 1% more expensive than Waverly

Calculate payment - Waverly Calculate payment - Holly Hill

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $1.6K

More taxes

Monthly Difference

$132

Less take-home

Effective Rate Diff

1.1%

Rate difference

Waverly, 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

Holly Hill, SC

Federal Income Tax

Effective: 18.9%

$25.5K

South Carolina State Tax

Effective: 6.6%

$10.0K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.3%

$47.0K

Take-Home Pay

$8,586/month

$103.0K

Additional Tax Information

Waverly, VA Tax Rates

Sales Tax:5.7%

Property Tax:0.8%

Holly Hill, SC Tax Rates

Sales Tax:7.4%

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

Waverly

Holly Hill

36 Good

Air Quality

51 Moderate

79.2%

Good Air Days

46.2%

78 Low

Climate Risk

97 High

None

Top Hazards

🌊🌪💨

▲+2.8°F

2050 Outlook

▲+2.9°F

30 days

Heat Days >95°F

36 days

▲+2.8°F

2050 Outlook

▲+2.9°F

30 days

Heat Days >95°F

36 days

Before moving from Waverly, VA to Holly Hill, SC

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

Compare actual homes. Get current quotes in Holly Hill, SC for the same bedroom count and included utilities as your home in Waverly, 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 Waverly to Holly Hill moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Holly Hill, SC by cost, housing, population and region.

Frequently Asked Questions: Waverly, VA vs Holly Hill, SC

How do the cost estimates for Waverly, VA and Holly Hill, SC compare?

Holly Hill, SC has a modeled overall cost index 23.6% lower than Waverly, 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 Waverly, VA, the model estimates $131,460 in Holly Hill, SC. 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 Waverly, VA and Holly Hill, SC?

The modeled two-bedroom rents are $1,540/month in Waverly, VA and $1,300/month in Holly Hill, SC. 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 South Carolina on TaxTakeHome.com

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