Taxes in Charlottesville, Virginia
Complete tax guide for Charlottesville, VA. State income tax up to 5.75%, 0.74% property tax, 5.3% sales tax. Calculate your total tax burden.
State Income Tax
5.75%
Virginia
Property Tax
0.74%
Effective rate
Sales Tax
5.3%
Combined rate
Tax Burden
Moderate
Charlottesville, VA Tax Overview
University of Virginia
Population
46,553
Median Income
$59,218
Cost of Living
112.5 (100 = avg)
State Income Tax
5.75%
Median Home Price
$395,000
Charlottesville Tax Calculator
Pre-filled with Charlottesville median: $59,218
Total Tax Burden in Charlottesville
$13,003
Take-Home: $46,215 · Effective Rate: 21.96%
Federal Tax
$5,068
8.56% eff.
VA State
$3,405
5.75% eff.
FICA
$4,530
7.65% eff.
Take-Home
$46,215
78.04% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $59,218.00 | $4,934.83 |
| Federal Income Tax | -$5,067.66 | -$422.31 |
| Virginia State Tax | -$3,405.04 | -$283.75 |
| Social Security (6.2%) | -$3,671.52 | -$305.96 |
| Medicare (1.45%) | -$858.66 | -$71.56 |
| Take-Home Pay | $46,215.13 | $3,851.26 |
Property Tax in Charlottesville
Median Home
$395,000
Annual Tax
$2,923
Monthly Tax
$244
Effective Rate
0.74%
Sales Tax in Charlottesville
Combined Rate
5.3%
State Portion
~2.8%
Local Portion
~2.5%
The combined sales tax rate in Charlottesville is 5.3%, which is below the national average of 7.12%. On a $100 purchase, you would pay $5.30 in sales tax.
Tax Burden Comparison
| Tax Type | Charlottesville | Virginia Avg | National Avg |
|---|---|---|---|
| Income Tax | 5.75% | 5.75% | 4.6% |
| Property Tax | 0.74% | ~0.74% | 1.1% |
| Sales Tax | 5.3% | ~5.3% | 7.12% |
| Overall Burden | Moderate | — | Moderate |
Tax Saving Tips for Charlottesville Residents
- Virginia's income tax rate of 5.75% is above average. Maximize pre-tax retirement contributions (401k up to $23,500, IRA up to $7,000) to reduce both federal and state taxable income.
- Property tax in Charlottesville (0.74%) is below the national average of 1.1%. This makes homeownership more affordable here relative to property tax burden.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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Very LowCalculate Your Full Virginia Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Charlottesville, VA?
Charlottesville, Virginia has a state income tax rate up to 5.75%. The property tax rate is 0.74% and the combined sales tax rate is 5.3%. University of Virginia
How much is property tax in Charlottesville?
The effective property tax rate in Charlottesville is 0.74%. On the median home price of $395,000, this equals approximately $2,923 per year or $244 per month. This is below the national average of 1.1%.
What is the sales tax rate in Charlottesville?
The combined sales tax rate in Charlottesville is 5.3%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does Charlottesville's tax burden compare to other cities?
Charlottesville has a moderate overall tax burden. The effective total tax rate for a median-income household is approximately 27.3%. The combination of 5.75% state income tax, 0.74% property tax, and 5.3% sales tax determines the total burden. Cost of living index is 112.5 (100 = national average).
Are there any local taxes in Charlottesville?
Charlottesville does not impose a separate local or city income tax. Residents pay the state income tax of 5.75%, federal income tax, and FICA (Social Security and Medicare). University of Virginia