The Town Files

The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters

Ranked on The Town Files lifestyle rankings among 329 towns of 500–10,000 people in Virginia, scoring every town on all of these at once. #1 is Captains Cove, VA.

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Numbers match the ranking.
The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters1. Captains Covescore 932. Piney Mountainscore 923. Parksleyscore 894. Sedleyscore 895. Nassawadoxscore 896. Wattsvillescore 887. Pastoriascore 868. Charlotte Court Housescore 869. La Crossescore 8510. Earlysvillescore 8411. Mathewsscore 8412. Belle Havenscore 8413. Cluster Springsscore 8214. Kenbridgescore 8215. Chase Cityscore 8116. Clarksvillescore 8117. Warsawscore 8018. Braceyscore 7819. Crewescore 7720. Boykinsscore 7721. Concordscore 7622. Amherstscore 7623. West Pointscore 7624. Stewartsvillescore 7625. Woodlakescore 75
  1. 25Woodlake, Virginia

    Retirement: 69th percentile · January average low (°F): 72nd percentile · Home value ÷ income: 84th percentile

    Woodlake is a community of 7,493 people in Chesterfield County, Virginia. Homes have a median value of $406,800 against household income of $139,344; January lows average 28°F.

    7,493 people · Chesterfield County · median home $406,800 · income $139,344 · Jan low 28°F · 10 in snow

    Full Woodlake, Virginia profile: weather, storms, schools, jobs →

    Woodlake: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement69th pctMild winters72th pctAffordability84th pct
    Percentile vs Virginia towns on each part of this ranking.
  2. 24Stewartsville, Virginia

    Retirement: 52nd percentile · January average low (°F): 82nd percentile · Home value ÷ income: 93rd percentile

    Stewartsville is a community of 533 people in Bedford County, Virginia. Homes have a median value of $217,600 against household income of $94,390; January lows average 29°F.

    533 people · Bedford County · median home $217,600 · income $94,390 · Jan low 29°F · 12 in snow

    Full Stewartsville, Virginia profile: weather, storms, schools, jobs →

    Stewartsville: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement52th pctMild winters82th pctAffordability93th pct
    Percentile vs Virginia towns on each part of this ranking.
  3. 23West Point, Virginia

    Retirement: 83rd percentile · January average low (°F): 81st percentile · Home value ÷ income: 63rd percentile

    West Point is a town of 3,414 people in King William County, Virginia. Homes have a median value of $286,800 against household income of $78,785; January lows average 28°F.

    3,414 people · King William County · median home $286,800 · income $78,785 · Jan low 28°F · 10 in snow

    Full West Point, Virginia profile: weather, storms, schools, jobs →

    West Point: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement83th pctMild winters81th pctAffordability63th pct
    Percentile vs Virginia towns on each part of this ranking.
  4. 22Amherst, Virginia

    Retirement: 93rd percentile · January average low (°F): 57th percentile · Home value ÷ income: 78th percentile

    Amherst is a town of 2,110 people in Amherst County, Virginia. Homes have a median value of $220,700 against household income of $70,841; January lows average 26°F.

    2,110 people · Amherst County · median home $220,700 · income $70,841 · Jan low 26°F · 14 in snow

    Full Amherst, Virginia profile: weather, storms, schools, jobs →

    Amherst: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement93th pctMild winters57th pctAffordability78th pct
    Percentile vs Virginia towns on each part of this ranking.
  5. 21Concord, Virginia

    Retirement: 87th percentile · January average low (°F): 67th percentile · Home value ÷ income: 75th percentile

    Concord is a community of 1,557 people in Campbell County, Virginia. Homes have a median value of $227,600 against household income of $71,058; January lows average 27°F.

    1,557 people · Campbell County · median home $227,600 · income $71,058 · Jan low 27°F · 11 in snow

    Full Concord, Virginia profile: weather, storms, schools, jobs →

    Concord: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement87th pctMild winters67th pctAffordability75th pct
    Percentile vs Virginia towns on each part of this ranking.
  6. 20Boykins, Virginia

    Retirement: 70th percentile · January average low (°F): 82nd percentile · Home value ÷ income: 78th percentile

    Boykins is a town of 516 people in Southampton County, Virginia. Homes have a median value of $192,000 against household income of $61,042; January lows average 29°F.

    516 people · Southampton County · median home $192,000 · income $61,042 · Jan low 29°F · 3 in snow

    Full Boykins, Virginia profile: weather, storms, schools, jobs →

    Boykins: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement70th pctMild winters82th pctAffordability78th pct
    Percentile vs Virginia towns on each part of this ranking.
  7. 19Crewe, Virginia

    Retirement: 63rd percentile · January average low (°F): 72nd percentile · Home value ÷ income: 96th percentile

    Crewe is a town of 2,262 people in Nottoway County, Virginia. Homes have a median value of $139,400 against household income of $70,625; January lows average 28°F.

    2,262 people · Nottoway County · median home $139,400 · income $70,625 · Jan low 28°F · 6 in snow

    Full Crewe, Virginia profile: weather, storms, schools, jobs →

    Crewe: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement63th pctMild winters72th pctAffordability96th pct
    Percentile vs Virginia towns on each part of this ranking.
  8. 18Bracey, Virginia

    Retirement: 95th percentile · January average low (°F): 82nd percentile · Home value ÷ income: 57th percentile

    Bracey is a community of 1,372 people in Mecklenburg County, Virginia. Homes have a median value of $238,300 against household income of $64,605; January lows average 29°F.

    1,372 people · Mecklenburg County · median home $238,300 · income $64,605 · Jan low 29°F · 4 in snow

    Full Bracey, Virginia profile: weather, storms, schools, jobs →

    Bracey: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement95th pctMild winters82th pctAffordability57th pct
    Percentile vs Virginia towns on each part of this ranking.
  9. 17Warsaw, Virginia

    Retirement: 84th percentile · January average low (°F): 82nd percentile · Home value ÷ income: 75th percentile

    Warsaw is a town of 1,637 people in Richmond County, Virginia. Homes have a median value of $270,600 against household income of $84,828; January lows average 29°F.

    1,637 people · Richmond County · median home $270,600 · income $84,828 · Jan low 29°F · 12 in snow

    Full Warsaw, Virginia profile: weather, storms, schools, jobs →

    Warsaw: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement84th pctMild winters82th pctAffordability75th pct
    Percentile vs Virginia towns on each part of this ranking.
  10. 16Clarksville, Virginia

    Retirement: 94th percentile · January average low (°F): 81st percentile · Home value ÷ income: 67th percentile

    Clarksville is a town of 1,300 people in Mecklenburg County, Virginia. Homes have a median value of $221,400 against household income of $63,533; January lows average 28°F.

    1,300 people · Mecklenburg County · median home $221,400 · income $63,533 · Jan low 28°F · 4 in snow

    Full Clarksville, Virginia profile: weather, storms, schools, jobs →

    Clarksville: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement94th pctMild winters81th pctAffordability67th pct
    Percentile vs Virginia towns on each part of this ranking.
  11. 15Chase City, Virginia

    Retirement: 65th percentile · January average low (°F): 88th percentile · Home value ÷ income: 91st percentile

    Chase City is a town of 2,053 people in Mecklenburg County, Virginia. Homes have a median value of $112,900 against household income of $45,843; January lows average 29°F.

    2,053 people · Mecklenburg County · median home $112,900 · income $45,843 · Jan low 29°F · 5 in snow

    Full Chase City, Virginia profile: weather, storms, schools, jobs →

    Chase City: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement65th pctMild winters88th pctAffordability91th pct
    Percentile vs Virginia towns on each part of this ranking.
  12. 14Kenbridge, Virginia

    Retirement: 89th percentile · January average low (°F): 65th percentile · Home value ÷ income: 91st percentile

    Kenbridge is a town of 1,112 people in Lunenburg County, Virginia. Homes have a median value of $154,400 against household income of $61,603; January lows average 27°F.

    1,112 people · Lunenburg County · median home $154,400 · income $61,603 · Jan low 27°F · 6 in snow

    Full Kenbridge, Virginia profile: weather, storms, schools, jobs →

    Kenbridge: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement89th pctMild winters65th pctAffordability91th pct
    Percentile vs Virginia towns on each part of this ranking.
  13. 13Cluster Springs, Virginia

    Retirement: 82nd percentile · January average low (°F): 65th percentile · Home value ÷ income: 98th percentile

    Cluster Springs is a community of 718 people in Halifax County, Virginia. Homes have a median value of $133,300 against household income of $76,125; January lows average 27°F.

    718 people · Halifax County · median home $133,300 · income $76,125 · Jan low 27°F · 6 in snow

    Full Cluster Springs, Virginia profile: weather, storms, schools, jobs →

    Cluster Springs: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement82th pctMild winters65th pctAffordability98th pct
    Percentile vs Virginia towns on each part of this ranking.
  14. 12Belle Haven, Virginia

    Retirement: 72nd percentile · January average low (°F): 95th percentile · Home value ÷ income: 84th percentile

    Belle Haven is a town of 543 people in Accomack County, Virginia. Homes have a median value of $183,000 against household income of $62,917; January lows average 30°F.

    543 people · Accomack County · median home $183,000 · income $62,917 · Jan low 30°F · 7 in snow

    Full Belle Haven, Virginia profile: weather, storms, schools, jobs →

    Belle Haven: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement72th pctMild winters95th pctAffordability84th pct
    Percentile vs Virginia towns on each part of this ranking.
  15. 11Mathews, Virginia

    Retirement: 96th percentile · January average low (°F): 88th percentile · Home value ÷ income: 67th percentile

    Mathews is a community of 525 people in Mathews County, Virginia. Homes have a median value of $193,400 against household income of $55,481; January lows average 29°F.

    525 people · Mathews County · median home $193,400 · income $55,481 · Jan low 29°F · 9 in snow

    Full Mathews, Virginia profile: weather, storms, schools, jobs →

    Mathews: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement96th pctMild winters88th pctAffordability67th pct
    Percentile vs Virginia towns on each part of this ranking.
  16. 10Earlysville, Virginia

    Retirement: 92nd percentile · January average low (°F): 90th percentile · Home value ÷ income: 69th percentile

    Earlysville is a community of 1,153 people in Albemarle County, Virginia. Homes have a median value of $478,400 against household income of $142,060; January lows average 30°F.

    1,153 people · Albemarle County · median home $478,400 · income $142,060 · Jan low 30°F · 11 in snow

    Full Earlysville, Virginia profile: weather, storms, schools, jobs →

    Earlysville: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement92th pctMild winters90th pctAffordability69th pct
    Percentile vs Virginia towns on each part of this ranking.
  17. 9La Crosse, Virginia

    Retirement: 94th percentile · January average low (°F): 82nd percentile · Home value ÷ income: 78th percentile

    La Crosse is a town of 614 people in Mecklenburg County, Virginia. Homes have a median value of $105,400 against household income of $33,750; January lows average 29°F.

    614 people · Mecklenburg County · median home $105,400 · income $33,750 · Jan low 29°F · 6 in snow

    Full La Crosse, Virginia profile: weather, storms, schools, jobs →

    La Crosse: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement94th pctMild winters82th pctAffordability78th pct
    Percentile vs Virginia towns on each part of this ranking.
  18. 8Charlotte Court House, Virginia

    Retirement: 94th percentile · January average low (°F): 67th percentile · Home value ÷ income: 97th percentile

    Charlotte Court House is a town of 505 people in Charlotte County, Virginia. Homes have a median value of $167,200 against household income of $85,893; January lows average 27°F.

    505 people · Charlotte County · median home $167,200 · income $85,893 · Jan low 27°F · 8 in snow

    Full Charlotte Court House, Virginia profile: weather, storms, schools, jobs →

    Charlotte Court House: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement94th pctMild winters67th pctAffordability97th pct
    Percentile vs Virginia towns on each part of this ranking.
  19. 7Pastoria, Virginia

    Retirement: 72nd percentile · January average low (°F): 95th percentile · Home value ÷ income: 91st percentile

    Pastoria is a community of 627 people in Accomack County, Virginia. Homes have a median value of $116,200 against household income of $46,884; January lows average 30°F.

    627 people · Accomack County · median home $116,200 · income $46,884 · Jan low 30°F · 7 in snow

    Full Pastoria, Virginia profile: weather, storms, schools, jobs →

    Pastoria: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement72th pctMild winters95th pctAffordability91th pct
    Percentile vs Virginia towns on each part of this ranking.
  20. 6Wattsville, Virginia

    Retirement: 87th percentile · January average low (°F): 90th percentile · Home value ÷ income: 87th percentile

    Wattsville is a community of 1,341 people in Accomack County, Virginia. Homes have a median value of $184,700 against household income of $69,380; January lows average 30°F.

    1,341 people · Accomack County · median home $184,700 · income $69,380 · Jan low 30°F · 8 in snow

    Full Wattsville, Virginia profile: weather, storms, schools, jobs →

    Wattsville: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement87th pctMild winters90th pctAffordability87th pct
    Percentile vs Virginia towns on each part of this ranking.
  21. 5Nassawadox, Virginia

    Retirement: 88th percentile · January average low (°F): 95th percentile · Home value ÷ income: 84th percentile

    Nassawadox is a town of 533 people in Northampton County, Virginia. Homes have a median value of $152,500 against household income of $51,932; January lows average 30°F.

    533 people · Northampton County · median home $152,500 · income $51,932 · Jan low 30°F · 7 in snow

    Full Nassawadox, Virginia profile: weather, storms, schools, jobs →

    Nassawadox: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement88th pctMild winters95th pctAffordability84th pct
    Percentile vs Virginia towns on each part of this ranking.
  22. 4Sedley, Virginia

    Retirement: 89th percentile · January average low (°F): 88th percentile · Home value ÷ income: 91st percentile

    Sedley is a community of 517 people in Southampton County, Virginia. Homes have a median value of $214,500 against household income of $86,304; January lows average 29°F.

    517 people · Southampton County · median home $214,500 · income $86,304 · Jan low 29°F · 5 in snow

    Full Sedley, Virginia profile: weather, storms, schools, jobs →

    Sedley: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement89th pctMild winters88th pctAffordability91th pct
    Percentile vs Virginia towns on each part of this ranking.
  23. 3Parksley, Virginia

    Retirement: 83rd percentile · January average low (°F): 90th percentile · Home value ÷ income: 95th percentile

    Parksley is a town of 816 people in Accomack County, Virginia. Homes have a median value of $163,100 against household income of $76,875; January lows average 30°F.

    816 people · Accomack County · median home $163,100 · income $76,875 · Jan low 30°F · 8 in snow

    Full Parksley, Virginia profile: weather, storms, schools, jobs →

    Parksley: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement83th pctMild winters90th pctAffordability95th pct
    Percentile vs Virginia towns on each part of this ranking.
  24. 2Piney Mountain, Virginia

    Retirement: 92nd percentile · January average low (°F): 90th percentile · Home value ÷ income: 95th percentile

    Piney Mountain is a community of 1,880 people in Albemarle County, Virginia. Homes have a median value of $296,000 against household income of $138,636; January lows average 30°F.

    1,880 people · Albemarle County · median home $296,000 · income $138,636 · Jan low 30°F · 15 in snow

    Full Piney Mountain, Virginia profile: weather, storms, schools, jobs →

    Piney Mountain: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement92th pctMild winters90th pctAffordability95th pct
    Percentile vs Virginia towns on each part of this ranking.
  25. 1Captains Cove, Virginia

    Retirement: 98th percentile · January average low (°F): 90th percentile · Home value ÷ income: 92nd percentile

    Captains Cove is a community of 1,544 people in Accomack County, Virginia. Homes have a median value of $267,700 against household income of $110,156; January lows average 30°F.

    1,544 people · Accomack County · median home $267,700 · income $110,156 · Jan low 30°F · 8 in snow

    Full Captains Cove, Virginia profile: weather, storms, schools, jobs →

    Captains Cove: The 25 Best Affordable Small Towns to Retire in Virginia With Mild Winters scoresRetirement98th pctMild winters90th pctAffordability92th pct
    Percentile vs Virginia towns on each part of this ranking.

Price vs ranking

Median home value vs ranking, Virginia towns0255075100$39K$276K$514K$751K$989KMedian home valuePercentile
Orange squares are the 25 towns on this list; green dots are other towns on The Town Files in Virginia.

More Virginia rankings

Same ranking, other places

Methodology. We ranked 329 towns of 500–10,000 people in Virginia (2020 Census population). Lifestyle measures are The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025), shown as percentiles. The combined score is the average of the percentiles shown for each town; a town must be above the middle on every one. Only towns better than 60% of their peers on this measure qualify, so lists can be shorter than 25. Sources: