D

Urbanna, VA

Source:

Affordability Score: 44/100

Population: 1,907 · 1 ZIP codes

The affordability dashboard for Urbanna, VA aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 1,907 residents, then layers in county-level federal data to produce an overall grade of D (44/100). The headline inputs are median household income of $66,858, median home value of $369,000, median rent of $924 per month, and 28.1% 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 $1,291 per month (studio $1,052, 1BR $1,058, 3BR $1,548, 4BR $2,018). Department of Labor data lists infant center-based childcare at $10,905 per year, consuming 16% 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 housing, commute. Unemployment currently reads 0.0% and poverty 5.4% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C-
$66,858
Median household income
Education D
28.1%
Bachelor's degree or higher
Housing F
5.5x
Home value $369,000 vs income
Commute F
34 min
Average commute time
Rent B
$1,291/mo
2BR fair market rent (23% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare D
$10,905/yr
Center-based infant care (16% of income)

Income & Employment

Median Income
$66,858
▲ 8% vs national
Per Capita Income
$39,705
Unemployment Rate
0.0%
Poverty Rate
5.4%

Housing

Median Home Value
$369,000
▲ 34% vs national
Median Rent
$924/mo
Owner Occupied
83.8%
2BR Fair Market Rent
$1,291/mo
▲ 8% vs national

Fair Market Rents by Bedroom

Studio
$1,052
1BR
$1,058
2BR
$1,291
3BR
$1,548
4BR
$2,018

Safety

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

Education & Family

Bachelor's Degree+
28.1%
▼ 2 ppt vs national
High School+
60.6%
Median Age
61.2
Avg. Commute
34 min
▲ 8 min vs national

Childcare Costs

Infant (Center)
$10,905/yr
16% of income
Toddler (Center)
$8,293/yr
Preschool (Center)
$7,618/yr
School-Age (Center)
$7,389/yr

What This Means

Urbanna, VA receives an overall affordability grade of D (44/100), aggregated from 1 ZIP codes with a total population of 1,907. Challenges include housing and commute. 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 Urbanna, VA affordable?
Urbanna, VA receives an overall affordability grade of D (44/100) based on Census, HUD, FBI, and DOL data. Median household income is $66,858. Median home value is $369,000.
What is the cost of living in Urbanna?
Key cost metrics: Median rent $924/mo. 2BR fair market rent $1,291/mo. Infant childcare $10,905/yr. Median home value $369,000.
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 →