Unlike its bigger and more popular neighbor states like Pennsylvania, Maryland, and Ohio, West Virginia often does not get highlighted much in travel recommendations or blogs. In a way, its low-key reputation is a beam for travelers who want an off-the-beaten-path experience on their trip. With its rich history, restoration projects, and natural beauty, this state is a great pick for your next Mid-Atlantic vacation!

Want to know the best way to get to know the towns in West Virginia? Simple: explore its Main Streets. From historical architecture to vibrant shops and beautiful landscapes, the downtowns in West Virginia’s small towns are picturesque and exciting in every sense of the word. Let this list transport you to the best downtown areas in the beloved Mountain State of the United States!

Harpers Ferry

Not only is Harpers Ferry a beautiful town surrounded by stunning river views and lush trees, but it also has a historical significance to the United States’ Civil War past. Luckily for American history buffs, many of its historical sites are gathered downtown, from John Brown’s Fort—West Virginia’s most visited tourist site—to the John Brown Wax Museum and the Harpers Ferry Ghost Tour.

Other notable tourist spots downtown are the Restoration Museum, filled with restored and preserved items from the town’s past; the Black Voices Museum for African American history, and the Appalachian Trail Conservancy Visitor Center. The Stonehouse Bed and Breakfast is a strategic accommodation choice if you want to be close to Harpers Ferry’s downtown at all times, given how the entire place is essentially a big museum!

Berkeley Springs

Popular as a resort destination in West Virginia, Berkeley Springs is known as America’s First Spa thanks to its surrounding mineral springs. Thankfully, you do not have to go too far from the town center to experience its spa amenities, as the Berkeley Springs State Park is on the popular Washington Street. Soak in the Old Roman and Main Bathhouse to enjoy the water’s purported healing properties and take a peek at George Washington’s Bathtub, who was said to be fond of Berkeley Springs’ water.

Then, tour the Museum of Berkeley Springs to learn more about the town’s spring history, and go shopping for antique souvenirs at the Berkeley Springs Antique Mall. End your Berkeley Springs tour on a high note with some hearty food from The Country Inn. There is nothing like a warm meal after a soak in the springs!

Elkins

With a historic railroad attraction and an active downtown committee, Elkins has revitalized its tourism, starting with its Elkins Depot Welcome Center, which gives pamphlets and maps to visitors to easily explore its downtown. Start with the West Virginia Railroad Museum to educate yourself about Elkins’ railroad history, then go on a vintage train tour with the Durbin & Greenbrier Valley Railroad.

Once back, stretch your legs with the Elkins Main Street Downtown Quilt Trail.This trail lets you explore downtown while learning about quilt patterns and the significance of quilts in America’s history. Recharge some of your lost calories with CJ Maggie’s good ol’ American eats, before heading to Big Timber Brewing Company for some drinks while overlooking the Tygart Valley River.

Charles Town

Proud to name itself historically hip, Charles Town’s downtown combines interesting historical sites and fun little restaurants and shops. Pass by the Jefferson County Courthouse, a historical building where John Brown had his trial after his Harpers Ferry raid. Then, head to Jefferson County Museum, which houses artifacts and info on events that helped shape the county and the country’s history. August 31, 2024 also brings to you the 15th edition of the town’s annual car show where you can see proud owners parading their cars in the downtowns for awards.

After your history trip, drop by Ortega’s Taco Shop for some fire tacos and grab uniquely flavored beers, like blackberry ales and one with lavender and peaches, at the Abolitionist Ale Works. Catch a play at the Old Opera House Theatre before retiring to a 19th-century bed and breakfast at The Carriage Inn.

Buckhannon

Listed in the National Register of Historic Places in 2009, Buckhannon’s downtown is a sight to behold for its array of 19th-century buildings in different architectural styles. Start your Buckhannon stroll with Main Street Antiques-Collectibles for trinkets, vintage collectibles, and even an extensive wine and beer selection. Next door is Stone Tower Brews, which prides itself on its West Virginia craft beer and brewed coffee.

A little down Main Street is Artistry on Main, a wonderful art shop that showcases art and handcrafted items from local artists and crafters. If you are feeling peckish, Mama Roma is the go-to Italian place on Main Street, while Fish Hawk Acres is a great brunch spot for lazy mornings. Stay at the Bicentennial Inn to be close to Buckhannon’s downtown and the Buckhannon River.

Shepherdstown

As one of the oldest towns in West Virginia, Shepherdstown’s downtown is full of old buildings now turned into delightful shops and cafes. Begin your Shepherdstown downtown tour along German Street by visiting the Historic Shepherdstown Commission & Museum, a hub for all things historical in Shepherdstown.

The Entler Hotel next door is one of the oldest buildings in town and is currently undergoing restoration. Down the road is The War Memorial building, which houses the Shepherdstown Community Club that does book sales and garden tours for the community. Book a room at the Thomas Shepherd Inn to experience Shepherdstown’s hospitality while staying at an 1868 building!

Thomas

Make your way to the tiny mountain town of Thomas, where nature and a quaint downtown atmosphere merge into a delightful scenic experience. Take in the sights as you meander through Ash Alley and stumble into charming shops like the trinket-filled Riverfront Antique & Thrift, the Santangelo Gallery with its curated ceramics, and the delectable Happy & More Bakery & Cafe.

Up the road, you will find the cozy music venue of the Purple Fiddle, which also doubles as a family-friendly cafe. Check out their website for a list of local artists playing unique music genres (Odessa gangsta folk, anyone?). Next to this adored venue is the Cooper House Bed and Cocktail, which is a unique spin on bed and breakfasts! For a brunch place that uses locally grown ingredients, cross the road to visit Tie One on Taphouse and Fly Shop.

Moundsville

Merging the past and the present, Moundsville is a great place to visit for its ancient burial mounds, historical sites, and modern shops, all with the backdrop of the majestic Ohio River. The town got its name from the many burial mounds in the area, which you can conveniently visit while exploring the downtown. The Grave Creek Mound is one of the most notable and easiest to reach out of all the sites.

Next to the mound is the Moundsville Center and West Virginia Penitentiary, which offers historical and even paranormal tours for spooky fans. Walk or drive to Lafayette Avenue to enjoy spots and attractions like the Acapulco Mexican, The Avenue Bar and Grill, and the skating rink of The Roller Derby. A little ways off from downtown is the Fostoria Glass Museum, which is a great spot for glass souvenirs!

Morgantown

Hailed as one of the best downtowns by CNN Money, Morgantown is a great example of a thriving and bustling downtown for its plethora of avenues for shopping, dining, and relaxing. Scholar Morgantown and Hotel Morgan are two excellent accommodations to choose from when in the city. Surrounding them are shops like the gastropub of Iron Horse Tavern, Old Stone House gift shop, and the burger place Von Blaze, to name a few.

Theater and music are alive and well in Morgantown, with the Metropolitan Theatre and 123 Pleasant Street as the hot spots for live performances. A bit further from central downtown is Morgantown Farmers Market which happens every Saturday, while on the other side of downtown is Hazel Ruby McQuain Park, a park doubling as an open-air venue for concerts. For all lovers of food and craft beer, do not forget to mark your calendars for the 7th Annual Hops on The Mon celebration in downtown Morgantown.

Final Thoughts On West Virginia’s Downtown Areas

For a time, Main Streets became a thing of the past for many cities in the United States. Thankfully, there has been a movement across the country to restore and revitalize these areas. Not only is it a wonderful one-stop location to get your essential tourist needs, but it also brings out the town’s character and unique charm.

The towns in West Virginia have very varied, active, and vibrant downtowns, which continue to be underrated and hidden from the spotlight. On your next trip, consider exploring somewhere new and give West Virginia a visit. From mineral spring spas and ancient mounds to a museum-like downtown, these Main Streets will surprise you with what they have!

With its mild climate and friendly people, Virginia can be the perfect state to retire. But if you’re interested in doing that, you should know what it means financially. Data shows you need at least $741,000 saved to comfortably retire in the state.

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Here are three reasons and other financial facts you should know before retiring in Virginia.

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1. Virginia Is More Expensive Than Nearby States

It costs an average of $58,627 to live in Virginia per year. That’s meaningfully more than states like:

• West Virginia: $39,386

• Mississippi: $41,361

• Kentucky: $40,355

• Georgia: $52,556

Even small differences in living costs add up over 20 to 30 years of retirement. That’s why you may need to save six figures or more to retire in Virginia over another nearby state.

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2. Social Security Won’t Cover Everything

The average retired American receives around $36,251 yearly in Social Security income. But that’s across all states. Retired people in Virginia take home an average of $21,566.

This means, that if you receive an average Social Security paycheck, you’ll still be responsible for covering $37,060 in annual living costs. Now, multiply that figure by the number of years you want to cover in retirement.

A 20-year retirement, at $37,060 per year, adds up to just over $741,000. That figure increases to $926,500 for a 25-year retirement or about $1.1 million for a 30-year retirement. This is why you need a lot of retirement savings to stay in Virginia — even if you’re counting on Social Security.

3. Inflation May Increase Costs Over Time

Another factor to consider is that living costs go up over time, due to inflation. This means you may want to save even more for retirement in Virginia than you initially think.

For example, Virginia has seen cumulative inflation of 21.4% since January 2021. This has added about $1,142 in monthly costs to the average budget. If your retirement is still years away, these costs are likely to increase further before you get there.

How To Save Money While Retiring in Virginia

Although Virginia is far from the cheapest state to retire in, there are still ways to bring costs down. The key will be finding ways to spend less than the average Virginian on key expense categories.

For example, here’s what the average state resident currently spends on common annual expenses:

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• Groceries: $4,825

• Housing: $12,346

• Utilities: $4,358

• Transportation: $4,577

• Healthcare: $7,675

You can reduce your annual retirement savings requirement by spending less in any of these categories. That’s just not always easy to do — especially as inflation continues. So here are a few additional tips.

Choose Your Retirement City Strategically

First, your retirement expenses vary quite a bit based on which part of Virginia you call home.

For example, Great Falls, Alexandria and Fairfax are among the richest and most expensive places in the state. Housing and other expenses are higher there than in the cheaper cities of Martinsville, Lynchburg and Portsmouth.

So if you want to retire for less in Virginia, pick a part of the state where that’s easier financially. Moving further away from the center of one of Virginia’s most expensive areas could be enough to reach your goals.

Supplement Your Retirement Income

If you feel like you can’t save enough for the retirement you want, maybe you can continue earning money after your career. This would reduce your annual retirement saving requirement by as much as you earn.

For instance, imagine you make $10,000 driving for a rideshare service. You could subtract that $10,000 from the $37,060 the average Virginian retiree spends out of pocket. You’d only use $27,060 of your savings that year. If you could do this for even five years of your early retirement, that may be enough to fix your financial issues.

There are plenty of ways to make extra money in retirement, including:

Try Another State

If you can’t find a way to make retiring in Virginia work financially, consider another state. Nearby West Virginia is one of the most affordable places to retire in the entire country.

There are also plenty of destinations throughout the South that are beautiful and affordable for retirees. You’ll just need to consider which fits your lifestyle preferences and budget while keeping you close to friends and family.

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This article originally appeared on GOBankingRates.com: 3 Reasons You Need at Least $741K (Plus Social Security) To Retire in Virginia