Salario de Médico en Virginia (2026)
El salario promedio de un Médico en Virginia es de $260,000/año. Después de impuestos, tu sueldo neto estimado es de $175,558/año ($14,630/mes).
Desglose del Sueldo Neto
| Categoría | Cantidad |
|---|---|
Sueldo Neto Anual | $175,558 |
Sueldo Neto Mensual | $14,630 |
Sueldo Neto Quincenal | $6,752 |
Sueldo Neto por Hora basado en 2,080 hrs/año | $84/hr |
Impuesto Federal | $54,504 |
Impuesto Estatal | $14,189 |
Impuestos FICA | $15,749 |
Tasa Efectiva de Impuesto impuestos totales ÷ salario bruto | 32.48% |
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Rangos de Salario de Médico en Virginia
No todas las Médicos ganan lo mismo — ni de cerca
VA physician comp concentrates in three regions plus federal medical employers. NoVA (Northern Virginia — Inova Fairfax + Inova Loudoun + cross-DC academic at Georgetown / GWU / Children's National) is the federal-contracting medical hub. Richmond is VCU Health + HCA Virginia + Bon Secours academic + community. Hampton Roads is Sentara Healthcare + Naval Medical Center Portsmouth + EVMS academic. Charlottesville (UVA Health) and Roanoke (Carilion Clinic) anchor secondary academic markets. Real ranges by specialty in 2026:
Orthopedic Surgeon
$540,000–$725,000
Inova Sports Medicine + UVA + Sentara orthopedic + private practice premium
Neurosurgeon
$595,000–$815,000
UVA + VCU + Inova top-tier centers
Cardiologist (Interventional)
$470,000–$645,000
Inova Heart & Vascular + UVA + Sentara Heart Hospital leaders
Radiologist
$420,000–$560,000
NoVA + Richmond + Hampton Roads markets robust
Anesthesiologist
$390,000–$515,000
CRNA market growing; Children's National pediatric anesthesia premium (cross-DC)
Emergency Medicine
$340,000–$430,000
Inova Fairfax Trauma I + VCU Trauma I + Sentara Norfolk Trauma I
Psychiatrist
$285,000–$390,000
Severe shortage statewide; telepsychiatry expanding rapidly
OB/GYN
$295,000–$395,000
VA med-mal climate moderate; Inova + UVA + Sentara high-risk OB depth
Federal Medical (DOD / VA)
$220,000–$310,000
Walter Reed / Naval Portsmouth / DOD facilities · pension benefits + GS/military retirement
Internal Medicine / Hospitalist
$240,000–$320,000
Inova + UVA + VCU + Sentara nocturnist adds $30-45K
Vale la pena saber: Virginia's federal medical infrastructure is structurally distinctive — Walter Reed National Military Medical Center (Bethesda MD just over the line, draws substantial NoVA-resident physicians), Naval Medical Center Portsmouth (Hampton Roads — largest US Navy hospital), Inova Federal Government Medical, NIH (Bethesda MD), and dozens of DOD facilities employ physicians at GS-15 / O-6 medical officer ranks with FERS / military pension benefits. Inova Fairfax Hospital (~110K employees system-wide) is one of the largest non-profit health systems in the Mid-Atlantic. UVA Health and VCU Health are both academic medical centers with strong specialty research programs.
The VA physician market and the federal medical career path
Top-20
UVA Health + VCU Health + Inova Fairfax — top-tier academic + community medicine
0%
VA local income tax — one of only six states with no city or county overlay
$40K
SB 528 military retirement exemption max by 2026 — meaningful for retiring military physicians
Virginia has roughly 27,000 active physicians for 8.7 million residents — a ratio that runs slightly above national average reflecting both VA's academic medicine depth and the substantial federal medical infrastructure. NoVA's proximity to DC creates a particularly dense physician market — Walter Reed Bethesda + Children's National + Georgetown + GWU + Inova Fairfax + Inova Loudoun all within 30-60 minutes of suburban NoVA residence.
Signing bonuses of $30,000-$80,000 are standard at Inova, UVA, VCU, Sentara, and rural / underserved VA HPSA-designated areas. The Virginia State Loan Repayment Program offers up to $140,000 forgiveness for primary care + behavioral health physicians serving in HPSA areas.
The federal medical career path is structurally distinctive. Active-duty military physicians at Walter Reed Bethesda + Naval Medical Center Portsmouth + DOD facilities earn O-3 to O-6 military pay + medical specialty pay + variable special pay ($220K-$340K total). Civilian federal physicians at GS-13 to GS-15 earn $130K-$215K base + locality. Both paths offer FERS pension or military retirement plus the SB 528 exemption (up to $40K military retirement exempt from VA state tax by 2026).
Locum tenens rates: hospitalists $150-$210/hour; ER physicians $190-$270/hour. NoVA + Richmond have particularly active locum markets supplementing the major health systems.
Virginia as a place to live — what actually matters for physicians
Virginia is essentially three physician markets plus federal medical employers. NoVA (Inova + cross-DC academic) is the federal-medical hub. Richmond is VCU + HCA Virginia + Bon Secours. Hampton Roads is Sentara + Naval Medical Center Portsmouth + EVMS. Charlottesville (UVA Health) and Roanoke (Carilion Clinic) anchor secondary academic markets with materially smaller scale.
VA progressive 2-5.75% with the top rate above just $17K means most attendings effectively pay 5.75%. The structural VA advantage is no local income tax — VA is one of only six states with no city or county overlay, structurally cleaner than OH (RITA / CCA) or PA (EIT). Property tax averages 0.82% — among the lowest in the country.
What Virginia offers in return: federal-medical infrastructure unique to VA, UVA + VCU + Inova top-tier academic medicine, Sentara Hampton Roads + EVMS academic affiliation, cost-of-living arbitrage at Fredericksburg exurban tier, SB 528 military retirement exemption phasing to $40K by 2026. NoVA suburban housing is expensive ($750K-$1.4M) but Richmond and Hampton Roads housing is structurally cheaper. Hurricane risk along Hampton Roads coast is real; Shenandoah winters get snow but moderate.
How Virginia taxes work for physicians (and where the moves matter)
VA progressive 2-5.75% with top above $17K means a $250K new attending owes ~$13,000; a $450K specialist ~$24,500; a $700K surgical subspecialist ~$38,800. Combined federal + VA + Medicare marginal rate at $500K is ~41-43% — lower than CA's 46-48% or NJ's 45-47%. The structural VA advantage is no local income tax — saves $7-15K/year for attending-tier comp vs OH or PA. Property tax 0.82% is half OH's 1.55% on identical homes.
eligibility is broad. Inova, UVA, VCU, Sentara, Bon Secours, Carilion, Riverside, and HCA Virginia (some entities) all qualify. Federal medical employers (Walter Reed, Naval Portsmouth, DOD, NIH cross-MD) are PSLF-qualifying as government employers. The federal medical career path naturally combines PSLF + FERS pension + for a distinctive long-term retirement structure.
VA Age Deduction exempts up to $12,000 of pension / IRA / distributions for filers 65+, with phase-out for above ~$50K single / $75K . Social Security is fully exempt. Military retirement is partially exempt (up to $40K by 2026 under SB 528 — phased in from $20K in 2024). Federal civil-service retirees with service vested before specific dates qualify for narrower exemption. For senior physicians and academic faculty retiring with $300K+ of 401(k) + pension + Social Security, AGI typically exceeds the Age Deduction phase-out and most retirement income is state-taxable at 5.75% — relocation-to-FL / TN / NC late-career play is real for partner-tier comp planning retirement.
VA physician employment models matter for tax planning. Inova, UVA, VCU, and Sentara are all largely employed-physician models with structured comp + match. Federal medical (Walter Reed, Naval Portsmouth, DOD) is military / civil-service compensation with FERS / military retirement. Private-practice physicians have access to partnership buy-in, defined benefit / cash balance plans (especially for surgical subspecialists clearing $700K+), profit-sharing , Solo 401(k) for moonlighting. VA conforms to federal Section 199A QBI 20% deduction with full phaseout at SSTB thresholds.
- →Max / ($24,500 in 2026) — pre-tax federal AND VA. At ~42% combined marginal, $10,300/year tax savings.
- → eligibility verification: Inova, UVA, VCU, Sentara, Bon Secours, Carilion, plus federal medical employers all qualify. Annual employer certification.
- →Backdoor Roth IRA ($7,500 in 2026) — required at attending income; Direct Roth phased out ~$146K single.
- →Defined-benefit / cash-balance plan for surgical subspecialists at $700K+ private-practice comp — can shelter $150-250K/year in addition to profit-sharing.
- →Retiring military physicians: file for the SB 528 exemption (up to $40K/year by 2026) — meaningful for late-career military medical-corps officers transitioning to civilian practice or retirement.
- →Plan distribution timing in retirement to keep below the Age Deduction phase-out (~$50K single / $75K ) — every $1 over reduces the $12K deduction by $1.
- →Disability insurance (own-occupation, specialty-specific) — premiums not deductible if paid personally, but benefits tax-free; mandatory at attending career start.
Three Virginia physician markets — what each one looks like
Virginia's physician geography splits between NoVA federal-medical + Inova, Richmond academic + community, and Hampton Roads Sentara + military medical, with Charlottesville (UVA) and Roanoke (Carilion) as smaller academic markets.
NoVA (Inova / cross-DC academic / federal medical)
Attending: Hospitalist $250K-$330K · Specialist $390K-$610K · Surgical subspecialist $580K-$870K+Inova Health System (~110K employees system-wide, anchored by Inova Fairfax Hospital + Inova Children's at Inova Fairfax + Inova Loudoun + Inova Schar Cancer Institute), cross-DC academic (Georgetown University Hospital, GWU, Children's National Medical Center, Walter Reed Bethesda just over MD line), federal medical (DOD facilities, Pentagon medical, NIH cross-MD). Workforce housing in Fairfax County (Vienna, Oakton, Falls Church), Loudoun County (Ashburn, Herndon), or Fredericksburg / Spotsylvania exurban (I-95 corridor) for housing arbitrage at $400-575K vs $750K-$1.4M Fairfax / Loudoun.
NoVA is the federal-medical hub of the country. Inova Fairfax Hospital + Inova Children's anchor suburban academic medicine; cross-DC + federal medical creates a unique career-mix unavailable elsewhere. Many NoVA career physicians settle exurban Fredericksburg / Spotsylvania for housing math.
Richmond (VCU Health / HCA Virginia / Bon Secours)
Attending: Hospitalist $240K-$315K · Specialist $370K-$575K · Surgical subspecialist $550K-$810KVCU Health System (academic medical center, VCU Massey Cancer Center NCI-designated, Children's Hospital of Richmond at VCU), HCA Virginia (Henrico Doctors' + Chippenham + others, ~14 hospitals), Bon Secours Mercy Health (St. Mary's + Memorial Regional + Richmond Community). Workforce housing in Henrico County (Glen Allen, Short Pump), Hanover County (Mechanicsville, Ashland), Chesterfield County. Top-tier suburban schools $400-650K — meaningfully cheaper than NoVA.
Richmond is the cost-of-living arbitrage VA physician market — top-tier academic + community medicine + dramatically cheaper housing than NoVA. VCU Health's Massey Cancer Center is NCI-designated; Children's Hospital of Richmond at VCU is the regional pediatric anchor. Many career VA physicians choose Richmond at the manager-promotion mark for family stability + housing math.
Hampton Roads (Sentara / EVMS / Naval Medical Center Portsmouth)
Attending: Hospitalist $235K-$310K · Specialist $360K-$555K · Surgical subspecialist $540K-$795KSentara Healthcare (12 hospitals, anchored by Sentara Norfolk General Hospital Trauma I + Sentara Heart Hospital + Sentara Princess Anne), Eastern Virginia Medical School (EVMS — academic affiliate for Sentara), Naval Medical Center Portsmouth (largest US Navy hospital, draws substantial DOD physician workforce), Riverside Health, Children's Hospital of The King's Daughters (Norfolk pediatric anchor). Workforce housing in Virginia Beach, Chesapeake, Suffolk — coastal lifestyle, $360-550K, meaningfully cheaper than NoVA.
Hampton Roads is the military medical hub for VA. Naval Portsmouth + DOD + Sentara civilian medical create a distinctive career mix. Many career military physicians transition from Naval Portsmouth to Sentara civilian practice at retirement, capturing SB 528 + civilian comp continuity.
The Virginia physician career arc — residency to retirement
VA physician careers typically start in residency at $65K-$85K (PGY1-PGY7). UVA, VCU, Inova, Sentara, EVMS, Carilion all run -qualifying programs. Walter Reed + Naval Portsmouth run military residencies. Most VA residents stack moonlighting and benefit from Richmond / Hampton Roads / Charlottesville housing affordability — many own homes by year 3 of residency outside NoVA.
Years 1-5 as an attending are the foundation phase. Hospitalist $240K-$330K; specialist $370K-$510K; surgical subspecialist $550K-$700K. Federal medical (active-duty O-3 to O-5) $220K-$290K with FERS / military pension. Most VA new attendings max , complete Backdoor Roth annually, and continue payments. Decision points: NoVA Inova / cross-DC academic, Richmond VCU faculty, Hampton Roads Sentara / EVMS, federal medical, private-practice partnership.
Years 5-15 are the peak earning band. Established specialists clear $450-650K; surgical subspecialists at major centers clear $700K-$1M+. Partner-track completes years 5-10 — buy-in $75-300K, partner comp adds $100-250K above associate. Federal medical military officers reach O-5 / O-6 with 10-15 years of pension accumulation. becomes meaningful at this comp band. Many VA specialists purchase Outer Banks / Shenandoah Valley second homes; donor-advised fund charitable giving is common at $500K+ comp.
Late career (years 15+) is where VA's state tax interacts with retirement modeling. By age 55-60, most senior VA attendings have $1.5M-$3M+ in pre-tax accounts. VA's 5.75% top rate on retirement income above the $12K Age Deduction phase-out means a physician withdrawing $250K/year pays roughly $13-14K/year in state tax — $300-400K cumulative over 25-30 years. SB 528 ($40K military retirement exemption by 2026) materially reduces state tax for retired military physicians. Some senior physicians relocate to FL / TN / NC at retirement; marginal savings are smaller than higher-tax states but meaningful at $500K+ portfolios. Many stay in-state because cheap property + no local tax outweigh marginal relocation savings.
Where physicians actually live in Virginia
The hospitals are concentrated in Fairfax (Inova Fairfax + Inova Children's), Loudoun (Inova Loudoun), Arlington / Falls Church (Virginia Hospital Center + cross-DC academic), Richmond (VCU Health + HCA Virginia + Bon Secours St. Mary's), Charlottesville (UVA Health), Norfolk / Virginia Beach (Sentara Norfolk General + Naval Medical Center Portsmouth) — but VA physicians overwhelmingly live in suburban communities chosen for school district + commute math. NoVA physicians cluster heavily in Fairfax County (Vienna, Oakton, Falls Church — proximity to Inova + cross-DC) or Loudoun County (Ashburn, Herndon, Leesburg — proximity to Inova Loudoun + Dulles + cross-DC). Many NoVA career physicians settle Fredericksburg / Stafford / Spotsylvania exurban (I-95 corridor) at $400-575K with reasonable Inova commute — pay differential vs Loudoun shrinks net of housing. Richmond physicians live in Henrico County (Glen Allen, Short Pump), Hanover County (Mechanicsville, Ashland), or Chesterfield County. Hampton Roads physicians settle Virginia Beach, Chesapeake, or Suffolk for coastal lifestyle + Sentara / Naval Portsmouth access. Charlottesville and Roanoke physicians settle close-in given the smaller markets.
Vienna / Oakton (Fairfax)
Top-tier suburban schools · Inova Fairfax 15 min · cross-DC access · $850K-$1.4M
Ashburn / Leesburg (Loudoun)
Inova Loudoun access · suburban schools · $700K-$1.1M
Fredericksburg / Stafford
NoVA jobs at half the housing cost · I-95 commute · $400-575K
Glen Allen / Short Pump (Henrico)
Top suburban schools · VCU + HCA + Bon Secours access · $400-650K
Virginia Beach / Chesapeake
Coastal lifestyle · Sentara + Naval Portsmouth access · $400-650K
Charlottesville (Albemarle)
UVA Health 10-15 min · top schools · $500-900K · academic small-town
Suburb selection in VA is increasingly a school district + housing cost decision more than a tax decision (since VA has no local income tax and the 5.75% rate is uniform). The top-tier school districts — Fairfax County (McLean, Vienna, Oakton, Burke), Loudoun County (Ashburn, Leesburg, Brambleton), Henrico (Tuckahoe, Goochland), Virginia Beach (First Colonial), and Albemarle (Charlottesville suburbs) — carry premium home prices but remain more affordable than DC city or NYC suburban equivalents. NoVA cost-of-living is real — most career physicians eventually relocate to Fredericksburg / Spotsylvania exurban for the housing math. Richmond is the structural cost-of-living arbitrage VA market — top-tier suburban schools + $400-650K housing + clean tax structure + strong academic + community medicine. Hampton Roads offers coastal lifestyle + military medical infrastructure unique to the region. Hurricane risk along Hampton Roads coast is real; Shenandoah Valley winters get snow but moderate. The VA structural tax math + cheap property + no local tax is what physicians describe most consistently as the reason they stay through full career and retirement, especially Richmond and Hampton Roads physicians whose housing math compounds favorably.
¿Es la decisión correcta?
Should you practice medicine in Virginia?
A tu favor
- +Federal-medical infrastructure unique to VA — Walter Reed + Naval Portsmouth + DOD facilities employ substantial physician workforce
- +Inova Fairfax + UVA Health + VCU Health + Sentara all top-tier academic + community medicine
- +Zero local income tax — structurally cleaner than OH (RITA / CCA) or PA (EIT)
- +0.82% property tax is among the lowest in the country — about half OH's 1.55%
- +SB 528 military retirement exemption phasing to $40K by 2026 — meaningful for retiring military physicians
- +Cost-of-living arbitrage at Richmond + Hampton Roads + Fredericksburg exurban — top-tier medicine + cheap housing
Vale la pena saber antes de firmar
- −Top 5.75% state rate kicks in above just $17K — most attendings effectively pay top rate
- −NoVA housing ($750K-$1.4M for top-tier school districts) erodes net wealth-building meaningfully
- −Age Deduction caps at $12K with AGI phase-out — less generous than PA's full retirement exemption
- −Hurricane risk along Hampton Roads coast is real (manageable but a factor)
- −Tangible personal property tax ("car tax") on vehicles adds $400-800/year per personal vehicle
- −Charlottesville and Roanoke markets are materially smaller — career mobility limited
Mercado Laboral en Virginia
Virginia tiene demanda activa de Médicos.
Perspectivas de crecimiento: 3% growth through 2032 (about as fast as average)
Puestos relacionados:
Costo de Vida en Virginia
Virginia tiene un costo de vida variado según la región.
💰 Sueldo neto mensual: $14,630
🏠 Renta típica: $1,600/mo
📊 Después de renta: $13,030/mo
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