Living in Washington, D.C. comes with its fair share of perks—world-class museums, a vibrant food scene, and beautiful architecture. But all of that prestige comes with a price tag. With a cost of living nearly 50% higher than the national average, D.C. ranks among the most expensive cities in the U.S. While the city’s vibrant neighborhoods and career opportunities continue to draw residents, affording everyday life in 2025 requires a solid financial strategy. Here’s what it really costs to live in the District this year.

Housing: The Biggest Expense

Housing prices in D.C. have remained high, with the median home price in the region expected to climb 4.7% to $638,310 in 2025 according to Axios. Renting isn’t much easier—median monthly rent is $2,188, with one-bedroom apartments averaging $2,162. Securing affordable housing in the District often means living with roommates, opting for smaller spaces, or looking for deals in up-and-coming neighborhoods.

Utilities: Higher Than Average

D.C. residents pay about 10% more for utilities than the national average. Monthly energy bills typically cost around $229, while phone and internet services can add another $191. Combined, residents spend roughly $420 on utilities per month according to RentCafe.

The Cost of Getting Around

The Metro remains a popular way to navigate the city, with one-way fares starting at $2.50 and a monthly unlimited pass costing $77.50. Gas prices hover around $3.51 per gallon, making public transportation the more affordable choice. Parking, however, is a different story—monthly garage fees often exceed $200 in high-demand areas.

Groceries and Dining—Expect to Pay More

Grocery costs in D.C. are about 14% higher than the national average, with the typical monthly bill reaching $625 per person according to Apartment List. Dining out can also add up quickly. A casual meal averages $15-$20, while a sit-down dinner can easily surpass $50 per person before drinks.

Healthcare: An Expensive Necessity

Medical costs in the District are approximately 11% above the national average, with annual healthcare expenses averaging $13,239 per person. For those without employer-sponsored health insurance, finding affordable care can be a challenge.

Childcare

Raising a child in D.C. is particularly expensive. The average cost of infant care exceeds $24,000 annually, which accounts for more than a quarter of the median family income. This makes D.C. one of the priciest places in the country for working parents.

Is It Worth It?

Living in Washington, D.C., is not cheap, but for many, the access to career opportunities, world-class cultural institutions, and a dynamic social scene makes the costs worth it. While expenses continue to rise in 2025, the city remains an attractive place for young professionals looking to build their careers and take advantage of everything the capital has to offer.

For those considering a move, financial planning is essential. Finding creative ways to save—like living outside the city, relying on public transportation, and seeking out community resources—can make a difference. D.C. isn’t for the faint of heart (or light of wallet), but with the right budgeting, it can still be one of the most exciting places to call home.