it depends somewhat on where you are going to practice in VA.The closer you are to DC, the more you can charge. I live in Pa, right above VA, and the average in my area is 1200-1500, and that includes everything. Right now, with the bad economy, we are having alot of problems getting paid. Even our Amish and Mennonite clients, who normally pay in full right away aren't paying. For a bit last year, we tried to increase our fee, but it did not go over welland right now, we would just be happy to get our fees paid in full!
On another site, a midwife commented that you can consider about 50% of your gross income to be your actual take home, I think that's a good figure.
And in many places in VA, you will be doing lots of traveling. I would say most of the midwives around here are traveling 1 hour, and I know some that travel up to 2-3 hours, so you have to factor the costs involved with that. In the winter, you will need to factor in the snow and ice. If you serve the mountainous areas of virginia, then you may need snow tires and chains for your tires.