Merrimac, Virginia

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Population in 2010: 2,133. Population change since 2000: +21.8%
Males: 1,005  (47.1%)
Females: 1,128  (52.9%)
Median resident age:  44.1 years
Virginia median age:  37.6 years

Zip codes: 24060.

Estimated median household income in 2013: $36,208 (it was $21,462 in 2000)
Merrimac:

$36,208
VA:

$62,666

Estimated per capita income in 2013: $21,377 (it was $16,634 in 2000)

Merrimac CDP income, earnings, and wages data

Estimated median house or condo value in 2013: $62,155 (it was $52,700 in 2000)
Merrimac:

$62,155
VA:

$239,300

Mean prices in 2013: All housing units: $225,301; Detached houses: $252,081; Townhouses or other attached units: $189,187; In 2-unit structures: $198,802; In 3-to-4-unit structures: $162,830; In 5-or-more-unit structures: $129,794; Mobile homes: $43,966

Median gross rent in 2013: $682.

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Data:
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  • Races in Merrimac, VA (2010)

    Merrimac races chart
    • 1,86387.3%White alone
    • 1034.8%Black alone
    • 1024.8%Hispanic
    • 271.3%Asian alone
    • 281.3%Two or more races
    • 50.2%American Indian alone
    • 40.2%Other race alone
    • 10.05%Native Hawaiian and Other
      Pacific Islander alone

Races in Merrimac detailed stats: ancestries, foreign born residents, place of birth

Mar. 2013 cost of living index in Merrimac: 85.3 (less than average, U.S. average is 100)
Merrimac, VA forum
Recent posts about Merrimac, Virginia on our local forum with over 1,800,000 registered users. Merrimac is mentioned 138 times on our forum:
Virginia Beach in the winter?  (56 replies)
Driving from Arl to Virginia Beach--advice needed  (31 replies)
Which Hampton Roads freeways should have a speed limit increase?  (32 replies)
Moving to the area...but where?  (16 replies)
Norfolk + Portsmouth?  (21 replies)
Infrastructure of Norfolk/Portsmouth - Midatlantic, Southern  (48 replies)

Latest news from Merrimac, VA collected exclusively by city-data.com from local newspapers, TV, and radio stations

Ancestries: United States (27.2%), Irish (13.8%), English (13.4%), German (12.8%), Dutch (4.2%), Scotch-Irish (1.6%).

Current Local Time: EST time zone

Elevation: 2020 feet

Land area: 1.82 square miles.

Population density: 1,174 people per square mile   (low).

Merrimac,VA real estate house value index trend

Merrimac, Virginia map

For population 25 years and over in Merrimac:

  • High school or higher: 74.6%
  • Bachelor's degree or higher: 28.1%
  • Graduate or professional degree: 15.3%
  • Unemployed: 9.6%
  • Mean travel time to work (commute): 25.3 minutes

For population 15 years and over in Merrimac CDP:

  • Never married: 27.1%
  • Now married: 36.5%
  • Separated: 5.0%
  • Widowed: 18.9%
  • Divorced: 12.5%

137 residents are foreign born (2.9% Europe, 1.9% Latin America, 1.9% Asia).

This place:

5.9%
Virginia:

11.5%

Median real estate property taxes paid for housing units with mortgages in 2013: $1,158 (1.0%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $714 (1.8%)

Merrimac satellite photo by USGS

Nearest city with pop. 50,000+: Roanoke, VA (26.4 miles , pop. 94,911).

Nearest city with pop. 200,000+: Greensboro, NC (83.9 miles , pop. 223,891).

Nearest city with pop. 1,000,000+: Philadelphia, PA (344.9 miles , pop. 1,517,550).

Nearest cities: Belmont Estates, VA (1.4 miles ), Belmont, VA (1.6 miles ), Blacksburg, VA (1.6 miles ), Christiansburg, VA (1.9 miles ), Prices Fork, VA (2.0 miles ), Belview, VA (2.3 miles ), Oak Grove, VA (2.5 miles ), Fairlawn, VA (2.9 miles ).

Latitude: 37.19 N, Longitude: 80.42 W

Area code commonly used in this area: 540

Merrimac household income distribution Merrimac home values distribution
Unemployment in June 2014:
Here:

5.9%
Virginia:

5.4%

Unemployment by year (%)

Most common industries in 2013 (%)
Males Females
  • Manufacturing (42%)
  • Educational services (11%)
  • Construction (9%)
  • Accommodation and food services (9%)
  • Retail trade (6%)
  • Information (5%)
  • Arts, entertainment, and recreation (4%)
  • Information (20%)
  • Retail trade (17%)
  • Professional, scientific, and technical services (14%)
  • Educational services (13%)
  • Other services, except public administration (11%)
  • Manufacturing (9%)
  • Real estate and rental and leasing (6%)
Most common occupations in 2013 (%)
Males Females
  • Production occupations (46%)
  • Construction and extraction occupations (9%)
  • Computer and mathematical occupations (9%)
  • Sales and related occupations (9%)
  • Food preparation and serving related occupations (6%)
  • Personal care and service occupations (4%)
  • Building and grounds cleaning and maintenance occupations (4%)
  • Office and administrative support occupations (29%)
  • Personal care and service occupations (11%)
  • Sales and related occupations (11%)
  • Legal occupations (10%)
  • Education, training, and library occupations (9%)
  • Healthcare support occupations (7%)
  • Production occupations (6%)

Work and jobs in Merrimac: detailed stats about occupations, industries, unemployment, workers, commute

Average climate in Merrimac, Virginia

Based on data reported by over 4,000 weather stations

Merrimac, Virginia average temperatures Merrimac, Virginia average precipitation Merrimac, Virginia humidity Merrimac, Virginia wind speed Merrimac, Virginia snowfall Merrimac, Virginia sunshine Merrimac, Virginia clear and cloudy days

Tornado activity:

Merrimac-area historical tornado activity is significantly below Virginia state average. It is 70% smaller than the overall U.S. average.

On 4/4/1974, a category F2 (max. wind speeds 113-157 mph) tornado 22.8 miles away from the Merrimac place center caused between $500,000 and $5,000,000 in damages.

On 5/17/1953, a category F2 tornado 23.3 miles away from the place center caused between $5000 and $50,000 in damages.

Earthquake activity:

Merrimac-area historical earthquake activity is slightly above Virginia state average. It is 82% smaller than the overall U.S. average.

On 7/27/1980 at 18:52:21, a magnitude 5.2 (5.1 MB, 4.7 MS, 5.0 UK, 5.2 UK, Class: Moderate, Intensity: VI - VII) earthquake occurred 205.0 miles away from the city center
On 11/2/2006 at 17:53:02, a magnitude 4.3 (4.3 MB, Depth: 0.6 mi, Class: Light, Intensity: IV - V) earthquake occurred 82.5 miles away from Merrimac center
On 11/23/2006 at 10:42:57, a magnitude 4.3 (4.3 MB, 4.3 LG) earthquake occurred 85.6 miles away from the city center
On 12/9/2003 at 20:59:14, a magnitude 4.5 (4.5 MB, 4.5 LG, Depth: 3.1 mi) earthquake occurred 141.1 miles away from the city center
On 6/29/1996 at 19:30:42, a magnitude 4.1 (4.1 MB, 3.9 LG, Depth: 0.6 mi) earthquake occurred 84.2 miles away from Merrimac center
On 9/25/1998 at 19:52:52, a magnitude 5.2 (4.8 MB, 4.3 MS, 5.2 LG, 4.5 MW, Depth: 3.1 mi) earthquake occurred 297.3 miles away from the city center
Magnitude types: regional Lg-wave magnitude (LG), body-wave magnitude (MB), surface-wave magnitude (MS), moment magnitude (MW)

Natural disasters:

The number of natural disasters in Montgomery County (14) is near the US average (12).
Major Disasters (Presidential) Declared: 11
Emergencies Declared: 3

Causes of natural disasters: Floods: 5, Storms: 5, Winter Storms: 5, Hurricanes: 3, Ice Storms: 2, Blizzard: 1, Drought: 1, Heavy Rain: 1, Mudslide: 1, Snowfall: 1, Snowstorm: 1, Tropical Storm: 1 (Note: Some incidents may be assigned to more than one category).
Merrimac topographic map

Hospitals and medical centers near Merrimac:

  • THE WYBE AND MARIETJE KROONTJE HEALTH CARE CENTER (Nursing Home, about 1 miles away; BLACKSBURG, VA)
  • LEWISGALE HOSPITAL MONTGOMERY Acute Care Hospitals (about 1 miles away; BLACKSBURG, VA)
  • HERITAGE HALL BLACKSBURG (Nursing Home, about 1 miles away; BLACKSBURG, VA)
  • FMC - MONTGOMERY (Dialysis Facility, about 2 miles away; BLACKSBURG, VA)
  • HUMAN TOUCH HOME HEALTH (Home Health Center, about 2 miles away; CHRISTIANSBURG, VA)
  • INTERIM HLTHCARE CHRISTNSBURG (Home Health Center, about 3 miles away; CHRISTIANSBURG, VA)
  • MEDI HOME HEALTH AND HOSPICE (Home Health Center, about 5 miles away; CHRISTIANSBURG, VA)

Colleges/universities with over 2000 students nearest to Merrimac:

  • Virginia Polytechnic Institute and State University (about 3 miles; Blacksburg, VA; Full-time enrollment: 30,984)
  • Radford University (about 9 miles; Radford, VA; FT enrollment: 9,426)
  • New River Community College (about 17 miles; Dublin, VA; FT enrollment: 3,007)
  • Roanoke College (about 22 miles; Salem, VA; FT enrollment: 2,316)
  • American National University (about 24 miles; Salem, VA; FT enrollment: 2,297)
  • Virginia Western Community College (about 26 miles; Roanoke, VA; FT enrollment: 4,762)
  • Concord University (about 36 miles; Athens, WV; FT enrollment: 2,698)

Click to draw/clear place borders

Church in Merrimac: Montgomery Primitive Baptist Church (A). Display/hide its location on the map

Montgomery County has a predicted average indoor radon screening level greater than 4 pCi/L (pico curies per liter) - Highest Potential

Air pollution and air quality trends
(lower is better)

Air Quality Index (AQI) level in 2012 was 42.9. This is significantly better than average.

City:

42.9
U.S.:

74.2

Particulate Matter (PM10) [µg/m3] level in 2012 was 17.3. This is about average. Closest monitor was 24.0 miles away from the city center.

City:

17.3
U.S.:

20.2

Particulate Matter (PM2.5) [µg/m3] level in 2012 was 8.82. This is about average. Closest monitor was 20.2 miles away from the city center.

City:

8.82
U.S.:

9.14
Percentage of residents living in poverty in 2013: 21.8%
(19.9% for White Non-Hispanic residents, 70.8% for Black residents, 100.0% for American Indian residents)
Average household size:
This place:  1.9 people
Virginia:  2.5 people

Percentage of family households:
This place:  41.4%
Whole state:  67.0%

Percentage of households with unmarried partners:
This place:  8.9%
Whole state:  5.7%

Likely homosexual households (counted as self-reported same-sex unmarried-partner households)
  • Lesbian couples: 0.7% of all households
  • Gay men: 0.4% of all households
198 people in nursing facilities/skilled-nursing facilities in 2010
73 people in other noninstitutional group quarters in 2000
63 people in nursing homes in 2000

Merrimac compared to Virginia state average:

  • Median household income below state average.
  • Median house value significantly below state average.
  • Unemployed percentage below state average.
  • Black race population percentage significantly below state average.
  • Median age significantly above state average.
  • Renting percentage above state average.
  • Length of stay since moving in significantly below state average.
  • Number of rooms per house below state average.
  • Institutionalized population percentage significantly above state average.

Educational Attainment (%) in 2013

School Enrollment by Level of School (%) in 2013

Education Gini index (Inequality in education)
Here:

14.3
Virginia average:

12.3

Merrimac travel time to work - commute Merrimac mode of transportation to work chart

Most commonly used house heating fuel:

  • Electricity (89%)
  • Utility gas (9%)
  • Bottled, tank, or LP gas (1%)
  • Fuel oil, kerosene, etc. (1%)

Presidential Elections Results

1996 2000 2004 2008 2012

1996 Presidential Elections Results

2000 Presidential Elections Results

2004 Presidential Elections Results

2008 Presidential Elections Results

2012 Presidential Elections Results

Graphs represent county-level data. Detailed 2008 Election Results

Religion statistics for Merrimac CDP (based on Montgomery County data)

ReligionAdherentsCongregations
Evangelical Protestant15,60990
Mainline Protestant9,44938
Other5,11511
Catholic3,2493
Black Protestant573
None60,913-
Source: Clifford Grammich, Kirk Hadaway, Richard Houseal, Dale E.Jones, Alexei Krindatch, Richie Stanley and Richard H.Taylor. 2012. 2010 U.S.Religion Census: Religious Congregations & Membership Study. Association of Statisticians of American Religious Bodies. Jones, Dale E., et al. 2002. Congregations and Membership in the United States 2000. Nashville, TN: Glenmary Research Center. Graphs represent county-level data

Food Environment Statistics:

Number of grocery stores: 14
Montgomery County:

1.57 / 10,000 pop.
Virginia:

2.03 / 10,000 pop.
Number of supercenters and club stores: 1
This county:

0.11 / 10,000 pop.
State:

0.17 / 10,000 pop.
Number of convenience stores (no gas): 10
Montgomery County:

1.12 / 10,000 pop.
Virginia:

1.43 / 10,000 pop.
Number of convenience stores (with gas): 37
Montgomery County:

4.16 / 10,000 pop.
State:

4.03 / 10,000 pop.
Number of full-service restaurants: 73
Here:

8.20 / 10,000 pop.
State:

7.65 / 10,000 pop.
Adult diabetes rate:
This county:

6.7%
Virginia:

9.3%
Adult obesity rate:
Montgomery County:

25.2%
Virginia:

26.7%
Low-income preschool obesity rate:
This county:

15.3%
State:

18.6%

9.25% of this county's 2011 resident taxpayers lived in other counties in 2010 ($34,044 average adjusted gross income)

Here:

9.25%
Virginia average:

9.34%

0.09% of residents moved from foreign countries ($377 average AGI)
Montgomery County:

0.09%
Virginia average:

0.21%

Top counties from which taxpayers relocated into this county between 2010 and 2011:
from Radford city, VA  0.64% ($29,230 average AGI)
from Pulaski County, VA  0.58% ($34,784)
from Roanoke County, VA  0.39% ($30,991)


10.64% of this county's 2010 resident taxpayers moved to other counties in 2011 ($36,402 average adjusted gross income)

Here:

10.64%
Virginia average:

9.20%

0.14% of residents moved to foreign countries ($300 average AGI)
Montgomery County:

0.14%
Virginia average:

0.20%

Top counties to which taxpayers relocated from this county between 2010 and 2011:
to Pulaski County, VA  0.58% ($33,770 average AGI)
to Radford city, VA  0.54% ($28,745)
to Roanoke city, VA  0.41% ($29,205)

Strongest AM radio stations in Merrimac:

  • WFNR (710 AM; daytime; 10 kW; BLACKSBURG, VA; Owner: PERCEPTION MEDIA GROUP, INC.)
  • WKNV (890 AM; daytime; 10 kW; FAIRLAWN, VA; Owner: POSITIVE RADIO GROUP, INC.)
  • WWVT (1260 AM; daytime; 3 kW; CHRISTIANSBURG, VA; Owner: VIRGINIA TECH FOUNDATION, INC.)
  • WKEX (1430 AM; 1 kW; BLACKSBURG, VA; Owner: BASE COMMUNICATIONS, INC)
  • WRAD (1460 AM; 5 kW; RADFORD, VA; Owner: NEW RIVER VALLEY RADIO PARTNERS, LLC)
  • WPIN (810 AM; daytime; 4 kW; DUBLIN, VA; Owner: DUBLIN RADIO)
  • WVBE (610 AM; 5 kW; ROANOKE, VA; Owner: MEL WHEELER, INC.)
  • WTRU (830 AM; 50 kW; KERNERSVILLE, NC; Owner: TRUTH BROADCASTING CORPORATION)
  • WNRV (990 AM; 5 kW; NARROWS-PEARISBURG, VA; Owner: PERCEPTION MEDIA GROUP, INC.)
  • WTOY (1480 AM; 5 kW; SALEM, VA; Owner: WARD BROADCASTING CORPORATION)
  • WKBA (1550 AM; daytime; 10 kW; VINTON, VA; Owner: TINKER CREEK BROADCASTERS, INC.)
  • WFIR (960 AM; 5 kW; ROANOKE, VA; Owner: MEL WHEELER, INC.)
  • WRIS (1410 AM; 5 kW; ROANOKE, VA; Owner: WRIS INC.)

Strongest FM radio stations in Merrimac:

  • KHPR (88.1 FM; HONOLULU, HI; Owner: HAWAII PUBLIC RADIO)
  • W244AV (96.7 FM; BLACKSBURG, ETC., VA; Owner: CAPSTAR TX LIMITED PARTNERSHIP)
  • W273AA (102.5 FM; BLACKSBURG, VA; Owner: POSITIVE ALTERNATIVE RADIO, INC.)
  • WFNR-FM (100.7 FM; CHRISTIANSBURG, VA; Owner: NEW RIVER VALLEY RADIO PARTNERS, LLC)
  • WBRW (105.3 FM; BLACKSBURG, VA; Owner: NEW RIVER VALLEY RADIO PARTNERS, LLC)
  • WXLK (92.3 FM; ROANOKE, VA; Owner: MEL WHEELER, INC.)
  • WSLQ (99.1 FM; ROANOKE, VA; Owner: MEL WHEELER, INC.)
  • WSLC-FM (94.9 FM; ROANOKE, VA; Owner: MEL WHEELER, INC.)
  • WVTF (89.1 FM; ROANOKE, VA; Owner: VIRGINIA TECH FOUNDATION INC)
  • WUVT-FM (90.7 FM; BLACKSBURG, VA; Owner: VIRG. POLYTECHNIC INST. & STATE UNIV)
  • WROV-FM (96.3 FM; MARTINSVILLE, VA; Owner: CAPSTAR TX LIMITED PARTNERSHIP)
  • WPIN-FM (91.5 FM; DUBLIN, VA; Owner: POSITIVE ALTERNATIVE RADIO, INC.)
  • WPSK-FM (107.1 FM; PULASKI, VA; Owner: NEW RIVER VALLEY RADIO PARTNERS, LLC)
  • W279AC (103.7 FM; ROANOKE, VA; Owner: POSITIVE ALTERNATIVE RADIO, INC.)
  • W261AM (100.1 FM; CHRISTIANSBURG, VA; Owner: BIBLE BROADCASTING NETWORK, INC.)
  • W261AN (100.1 FM; BLACKSBURG, VA; Owner: BIBLE BROADCASTING NETWORK, INC.)
  • WJJS-FM (106.1 FM; VINTON, VA; Owner: CAPSTAR TX LIMITED PARTNERSHIP)
  • WMGR-FM (104.9 FM; ROANOKE, VA; Owner: CAPSTAR TX LIMITED PARTNERSHIP)
  • WHAJ (104.5 FM; BLUEFIELD, WV; Owner: MONTEREY LICENSES, LLC)
  • WYYD-FM1 (107.9 FM; ROANOKE, VA; Owner: WYYD LICENSE LIMITED PARTNERSHIP)

TV broadcast stations around Merrimac:

  • WRKV-LP (Channel 65; ROANOKE, VA; Owner: TIGER EYE BROADCASTING CORPORATION)
  • WBRA-TV (Channel 15; ROANOKE, VA; Owner: BLUE RIDGE PUBLIC TELEVISION, INC.)
  • WSET-TV (Channel 13; LYNCHBURG, VA; Owner: WSET INCORPORATED)
  • WSLS-TV (Channel 10; ROANOKE, VA; Owner: MEDIA GENERAL COMMUNICATIONS, INC.)
  • WPXR (Channel 38; ROANOKE, VA; Owner: PAXSON COMMUNICATIONS LICENSE COMPANY, LLC)
  • WDBJ (Channel 7; ROANOKE, VA; Owner: WDBJ TELEVISION, INC.)
  • WFXR-TV (Channel 27; ROANOKE, VA; Owner: GRANT BROADCASTING SYSTEMS II, INC.)
  • W54BT (Channel 54; ROANOKE, ETC., VA; Owner: BIP, INC.)
  • National Bridge Inventory (NBI) Statistics
  • 1Number of bridges
  • 0mTotal length
  • $20,000Total costs
  • 30Total average daily traffic
  • 60Total future (year 2030) average daily traffic

FCC Registered Cell Phone Towers:

1 (See the full list of FCC Registered Cell Phone Towers in Merrimac)

FCC Registered Antenna Towers:

8 (See the full list of FCC Registered Antenna Towers)

FCC Registered Private Land Mobile Towers:

2
  • Lat: 38.449861 Lon: -78.089250, Call Sign: WPTF355
    Assigned Frequencies: 452.412 MHz
    Grant Date: 09/19/2001, Expiration Date: 09/19/2011, Cancellation Date: 11/19/2011, Certifier: Rick Riccardi
    Registrant: Hexagram Inc., 23905 Mercantile Rd., Cleveland, OH 44122, Phone: (216) 896-8600, Fax: (216) 896-8577, Email:
  • Lat: 38.449861 Lon: -78.089250, Call Sign: WQOM761
    Assigned Frequencies: 452.412 MHz
    Grant Date: 11/19/2011, Expiration Date: 11/19/2021, Certifier: Larry Murphy
    Registrant: Fletcher, Heald & Hildreth, P.L.C., 1300 N. Seventeenth Street, 11th Floor, Arlington, VA 22209, Phone: (202) 828-5700, Fax: (703) 812-0468, Email:

FCC Registered Microwave Towers:

2
  • Blacksburg, 2075 Oilwell Road (Lat: 37.186861 Lon: -80.457667), Type: Mast, Structure height: 55.8 m, Overall height: 60 m, Call Sign: WQJG380
    Assigned Frequencies: 11225.0 MHz, 11265.0 MHz, 11305.0 MHz, 11345.0 MHz, 11385.0 MHz, 11425.0 MHz
    Grant Date: 08/27/2008, Expiration Date: 08/27/2018, Certifier: Pamelia Y Hoof
    Registrant: Verizon Wireless, 1120 Sanctuary Pkwy, #150 Gasa5reg, Alpharetta, GA 30009-7630, Phone: (770) 797-1070, Fax: (770) 797-1036, Email:
  • BLACKSBURG, On Price Mtn 1.75 Mi W Of (Lat: 37.186778 Lon: -80.457528), Overall height: 60 m, Call Sign: WLR307
    Assigned Frequencies: 2165.20 MHz
    Grant Date: 05/16/2000, Expiration Date: 06/01/2010, Cancellation Date: 01/05/2007, Certifier: John T Scott Iii
    Registrant: Verizon Wireless, 1120 Sanctuary Pkwy, #150 Gasa5reg, Alpharetta, GA 30004, Phone: (770) 797-1070, Fax: (770) 797-1036, Email:

Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 1 partial tract)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED3$219,46711$165,71321$178,2791$62,9904$124,0451$48,910
APPLICATIONS APPROVED, NOT ACCEPTED0$00$01$148,8500$00$00$0
APPLICATIONS DENIED0$02$78,6505$188,1960$00$00$0
APPLICATIONS WITHDRAWN0$02$116,3051$201,2901$250,9001$154,8400$0
FILES CLOSED FOR INCOMPLETENESS0$01$63,6900$00$00$00$0
Choose year:  2009 2008 2007 2006 2005 2004

Detailed HMDA statistics for the following Tracts: 0202.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 1 partial tract)
A) Conventional
Home Purchase Loans
B) Refinancings
NumberAverage ValueNumberAverage Value
LOANS ORIGINATED1$290,6701$201,290
APPLICATIONS APPROVED, NOT ACCEPTED1$91,4900$0
APPLICATIONS DENIED0$00$0
APPLICATIONS WITHDRAWN0$00$0
FILES CLOSED FOR INCOMPLETENESS0$00$0
Choose year:  2009 2008 2007 2005 2004

Detailed PMIC statistics for the following Tracts: 0202.00

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Cost of Living Calculator