C-

Elkton, VA

Source:

Affordability Score: 53/100

Population: 10,388 · 1 ZIP codes

The affordability dashboard for Elkton, VA aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 10,388 residents, then layers in county-level federal data to produce an overall grade of C- (53/100). The headline inputs are median household income of $70,519, median home value of $252,500, median rent of $861 per month, and 14.2% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,322 per month (studio $1,050, 1BR $1,057, 3BR $1,801, 4BR $2,125). Department of Labor data lists infant center-based childcare at $10,115 per year, consuming 14% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are education. Unemployment currently reads 2.5% and poverty 7.5% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C
$70,519
Median household income
Education F
14.2%
Bachelor's degree or higher
Housing D
3.6x
Home value $252,500 vs income
Commute C
24 min
Average commute time
Rent B
$1,322/mo
2BR fair market rent (22% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare C-
$10,115/yr
Center-based infant care (14% of income)

Income & Employment

Median Income
$70,519
▲ 14% vs national
Per Capita Income
$36,487
Unemployment Rate
2.5%
Poverty Rate
7.5%

Housing

Median Home Value
$252,500
▼ 8% vs national
Median Rent
$861/mo
Owner Occupied
76.3%
2BR Fair Market Rent
$1,322/mo
▲ 10% vs national

Fair Market Rents by Bedroom

Studio
$1,050
1BR
$1,057
2BR
$1,322
3BR
$1,801
4BR
$2,125

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
14.2%
▼ 16 ppt vs national
High School+
55.4%
Median Age
45.6
Avg. Commute
24 min
▼ 2 min vs national

Childcare Costs

Infant (Center)
$10,115/yr
14% of income
Toddler (Center)
$7,217/yr
Preschool (Center)
$7,217/yr
School-Age (Center)
$7,401/yr

What This Means

Elkton, VA receives an overall affordability grade of C- (53/100), aggregated from 1 ZIP codes with a total population of 10,388. Challenges include education. Data was unavailable for safety — these dimensions were excluded from the overall score.

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What are common questions about this dashboard?

Is Elkton, VA affordable?
Elkton, VA receives an overall affordability grade of C- (53/100) based on Census, HUD, FBI, and DOL data. Median household income is $70,519. Median home value is $252,500.
What is the cost of living in Elkton?
Key cost metrics: Median rent $861/mo. 2BR fair market rent $1,322/mo. Infant childcare $10,115/yr. Median home value $252,500.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →