Fairfax, VA vs. Mclean, VA: Cost of Living Comparison (2025)
Imagine two young professionals, Emily and Jacob, both searching for an apartment in Northern Virginia. Emily finds a cozy one-bedroom in Fairfax for $1,800 per month, while Jacob settles on a similar unit in Mclean for $2,200. Beyond rent, their lifestyles reveal subtle cost differences:
Emily’s weekly grocery run at the local Fairfax supermarket totals $80, whereas Jacob spends closer to $100 at his go-to market in Mclean. Emily’s utility bills hover around $120 a month; Jacob’s creep closer to $150. And when they meet for dinner, Emily suggests a laid-back bistro where entrees average $15, while Jacob gravitates toward upscale spots charging $25 a plate.
For relocating professionals, growing families, and anyone seeking their slice of suburban comfort, the choice between living in Fairfax or Mclean often hinges on cost of living. While both cities deliver on the promise of tree-lined streets and top-tier schools just outside the bustle of D.C., their monthly expenses can diverge in ways that add up over time. As the fictional example of Emily and Jacob suggests, housing, food, and the cost of everyday conveniences tend to be pricier in Mclean. So how do the numbers really stack up in 2025? Let’s take a closer look.
Housing Costs: Rents and Mortgages in Fairfax vs. Mclean
Housing often consumes the largest share of a household budget, and the Fairfax-Mclean comparison is no exception. In Fairfax, renters can expect to find two-bedroom apartments starting around $1,900 per month as of 2025, while similar units in Mclean frequently surpass $2,300. For homebuyers, the gap widens: Fairfax’s median home price hovers near $600,000, but in Mclean, that figure jumps to $950,000 or more.
These differences trace back to each city’s housing mix. Fairfax offers a wider range of options, from modest 1970s townhomes to newer single-family construction. Mclean, by contrast, skews toward luxury: its stock includes a higher share of spacious, amenity-rich homes commanding premium prices. While both cities feature desirable neighborhoods, Mclean’s reputation for exclusivity keeps its housing costs elevated.
| Housing Type | Fairfax | Mclean |
|---|---|---|
| 1BR Apartment (Monthly Rent) | $1,600 – $1,900 | $1,900 – $2,300 |
| 2BR Apartment (Monthly Rent) | $1,900 – $2,300 | $2,300 – $2,800 |
| 3BR House (Median Price) | $580,000 | $950,000 |
| 4BR House (Median Price) | $720,000 | $1.2M – $1.5M |
For young renters craving space and relative affordability, Fairfax holds an edge. Families, too, can find more budget-friendly starter homes here. But for high-earning households willing to spend on square footage and prestige, Mclean’s luxe properties may justify their heftier price tags. In the end, Fairfax takes the win on housing costs for the typical earner.
Housing Cost Winner: Fairfax
Utility Bills: Powering Homes in Fairfax and Mclean
Utility costs are a constant of suburban life, but Fairfax and Mclean residents report notable differences in their monthly bills. Assuming comparable energy usage, a two-bedroom Fairfax apartment will run $100 to $150 per month to power, while the same unit in Mclean might creep closer to $180, based on 2025 estimates.
What accounts for this discrepancy? In part, it’s a function of housing stock: Mclean’s larger, more luxurious homes and apartments simply require more energy to heat, cool, and illuminate. Older construction in some Fairfax neighborhoods may also be marginally more efficient. Still, seasonal spikes affect both cities in similar ways, with summer A/C and winter heating inflating costs.
For smaller households, the utility cost gap may feel negligible. But for families running larger homes, Fairfax’s lower monthly bills can yield meaningful savings over time. Both cities promote energy-saving programs and tips, but in the end, Mclean’s grander housing pushes utility costs a notch above Fairfax.
Utility Cost Winner: Fairfax
Groceries and Dining Out: Comparing Food Costs
For many households, groceries rank second only to housing as a major monthly expense. And while Fairfax and Mclean both host a mix of supermarkets, specialty stores, and seasonal farmers markets, residents note subtle differences in pricing.
Staples like milk, bread, and eggs tend to cost 5% to 10% more in Mclean, where upscale grocers and organic markets are more prevalent. For a family of four, that can translate to an extra $50 or more per month. Dining out reveals a similar pattern: while both cities offer a robust selection of eateries, Mclean’s restaurant scene skews pricier, with dinner entrees often surpassing the $30 mark.
These differences can add up, especially for larger households or those who frequently eat out. Fairfax’s more diverse grocery and dining mix — including budget-friendly chains alongside pricier options — gives residents added flexibility to trim food costs. But for gourmands who prize quality over savings, Mclean’s upmarket food scene may be worth the premium.
Grocery and Dining Cost Winner: Fairfax
Taxes and Fees in Fairfax vs. Mclean
As Northern Virginia suburbs, Fairfax and Mclean share similar tax structures. Both cities levy a 6% sales tax, on par with the rest of Fairfax County. And as of 2025, neither imposes an additional local income tax beyond the state rate of 5.75%.
Property taxes are where some divergence emerges. Fairfax’s effective property tax rate hovers around 1.1%, while Mclean’s creeps closer to 1.3%. For a $750,000 home, that half-percent difference translates to an extra $1,500 per year. Mclean residents are also more likely to contend with HOA fees, given the higher share of amenity-rich communities.
Over time, Mclean’s loftier property taxes and association dues can compound, especially for homeowners. But for renters, the impact may be blunted, as landlords often fold taxes into monthly rates. Ultimately, while neither city is a tax haven, Fairfax maintains a slight edge for the typical household.
Taxes and Fees Winner: Fairfax
Comprehensive Cost of Living Comparison
| Cost Category | Fairfax | Mclean |
|---|---|---|
| Housing (2BR Apartment) | $1,900 | $2,300 |
| Utilities | $120 | $150 |
| Groceries | $400 | $450 |
| Transportation | $100 | $100 |
| Taxes (Income & Property*) | $800 | $1,000 |
| Miscellaneous | $250 | $300 |
| Estimated Monthly Total | $3,570 | $4,300 |
*Assumes a household earning $100,000 per year and renting a 2BR apartment. Property tax estimates folded into housing costs. Actual expenses will vary with income, home value, and lifestyle.
When all core costs are tallied, Fairfax emerges as the more affordable city for most households. The typical family can expect to save around $730 per month living in Fairfax compared to Mclean, based on 2025 estimates. Over the course of a year, those savings approach $9,000 — a substantial sum that could be redirected toward other financial goals.
Still, these numbers paint with a broad brush. For high-earning households or those who prioritize luxury amenities, Mclean’s premium costs may be offset by its elevated lifestyle. Conversely, budget-conscious families may find even greater savings potential in Fairfax’s more modest neighborhoods and housing options. As with any cost-of-living comparison, individual circumstances and priorities shape the bottom line.
Lifestyle Factors to Consider
While costs are central to any location decision, Fairfax and Mclean also diverge in key lifestyle areas. Fairfax, with its sprawling footprint and diverse housing mix, offers a more traditional suburban feel: think cul-de-sacs, neighborhood pools, and youth sports leagues. Its historic downtown district adds a dose of small-town Americana, hosting holiday parades and summer concerts.
Mclean, by contrast, is known for its stately homes, upscale shopping, and proximity to D.C.’s power corridors. It’s a haven for privacy-seeking diplomats, executives, and political figures drawn to its manicured estates and pristine streets. Nature lovers prize Mclean’s abundant parks and trails, while fashionistas flock to its luxury retailers.
For commuters, both cities offer relatively easy access to the District via major arteries like I-66 and the Dulles Toll Road. But Mclean’s slightly closer positioning can shave a few minutes off the typical drive. Conversely, Fairfax’s more extensive bus network and Metro access may appeal to those who prefer public transit.
Ultimately, the choice between Fairfax and Mclean is as much about lifestyle priorities as it is about cost. For those who value community and affordability, Fairfax is a clear winner. But for households willing to pay a premium for prestige and proximity to power, Mclean’s elevated costs may be a price worth paying.
Frequently Asked Questions
Is Fairfax more affordable than Mclean in 2025?
Yes, Fairfax generally offers a lower cost of living compared to Mclean in 2025. Housing, groceries, utilities, and taxes all tend to be more budget-friendly in Fairfax, though exact savings will vary based on individual lifestyle and priorities.
How do rental prices compare between Fairfax and Mclean?
As of 2025, renters can expect to pay around 15% to 20% less for a comparable apartment in Fairfax versus Mclean. For example, a two-bedroom unit that costs $2,300 per month in Mclean might go for closer to $1,900 in Fairfax.
Are property taxes higher in Mclean than in Fairfax?
Yes, Mclean’s effective property tax rate is slightly higher than Fairfax’s as of 2025. Mclean homeowners pay around 1.3% of their assessed home value in annual taxes, while Fairfax residents pay closer to 1.1%.
What is the average monthly cost of living for a family of four in Fairfax vs. Mclean?
Based on 2025 estimates, a family of four can expect to spend around $4,500 per month living in Fairfax, compared to roughly $5,500 per month in Mclean. This assumes a 3BR home, two working adults, and two children. Actual budgets may vary based on specific neighborhood, lifestyle, and spending habits.
Is Fairfax considered a better value for homebuyers compared to Mclean?
For most homebuyers, Fairfax offers a better overall value than Mclean. Median home prices in Fairfax are nearly 40% lower than in Mclean, and property taxes are also more favorable. However, those prioritizing luxury amenities and prestige may find Mclean’s elevated costs justified.
The Bottom Line
For most households relocating to Northern Virginia in 2025, Fairfax offers a compelling blend of affordability and suburban comfort. With lower housing costs, more budget-friendly groceries and dining, and marginally lower taxes, Fairfax is a clear winner for cost-conscious families and young professionals.
Still, Mclean’s luxurious homes, scenic parks, and proximity to D.C.’s elite corridors will continue to justify its higher costs for some. Ultimately, the choice between these two desirable cities is as much about lifestyle priorities as it is about bottom-line expenses.
Regardless of which city you choose, careful budgeting is key to making the most of all that Northern Virginia has to offer. By understanding the true costs of living in Fairfax or Mclean, you can craft a spending plan that balances your housing priorities with your long-term financial goals. And if you do decide to make the move, be sure to explore our guide to the best moving companies to help you settle into your new home with ease.