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Living a Beach Lifestyle in Northern Neck, Virginia

The good life awaits those active adults who choose the Northern Neck, Virginia as their retirement community. Situated between the Rappahannock and Potomac Rivers, with the Cheseapeake on the east, this area has both rural charm and instant access to the water. It is rich in history. The first Northern Neck tourist in 1608, Captain John Smith, referred to it “as a place heaven and earth never agreed better to frame man’s habitation.”

The Northern Neck is a very large geographical area including parts of 5 counties: King George, Richmond, Lancaster,  Westmoreland, and Northumberland. Kilmarnock is one of the larger of the many small towns in the Neck.  Other towns include Montross, Tappahannock, Urbanna,  Hague,  Callao, Lottsburg, Heathsville, and Reedville. Active adults interested in this region should also consider nearby Fredericksburg for retirement, which is located at the top of the neck. Photo credit:Northern Neck Tourism Council and photographer, Starke Jett. 

Where to Retire in Northern Neck and Home Prices

Average home prices vary greatly because this is such a big area. According to, the median home value for Kilmarnock was $235,658, in mid-2022. Prices will vary based on distance from Washington and Richmond, proximity to the water, and quality of housing. Some will sell in the low $100's, going into the millions for big places on the water.

What Is Special about Northern Neck

16 Historic Museums. Wine Trail. Home to 3 American Presidents. Surrounded by 2 rivers - the Rappahannock and the Potomac - plus the Chesapeake Bay.

What Is Not Special about Northern Neck

City people might find it too slow.

Climate and Physical Environment

The region is located between the Rappahannock and Potomac Rivers, with the Chesapeake on the east. The average January temperature is about 40 and the average in July is in the high 70s.

Restaurants & Cultural Scene

There are many museums and historical sites in the area. The Northern Neck is home to three of America's presidents - George Washington, James Madison, and James Monroe. The George Washington National Monument Birthplace features colonial American farmlife.


Crime in Northern Neck is lower than the national average.

Medical Facilities

Rappahannock General Hospital, along with hospitals in Williamsburg and Newport News, are the area's primary medical facilities.


Newport News/Williamsburg Airport and Norfolk are the area's major airports.

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