How much house can I afford on $100,000 in Virginia?
About $360,000 with 20% down ($287,000 with an FHA loan), using Virginia's 0.71% property tax rate.
That is $51,826 less than the typical Virginia home ($412,252), so on $100,000 you'd look at cheaper areas or a smaller home. The payment of $2,333 covers $1,940 principal and interest, $213 property tax and $180 insurance.
Counties in Virginia you can afford on $100,000
84 of 133 counties have a typical home value at or below $360,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Caroline County | $359,075 | +3.6% | 0.52% |
| Prince George County | $356,119 | +3.8% | 0.74% |
| Lexington City | $354,128 | +2.4% | 0.81% |
| King William County | $352,179 | +3.0% | 0.55% |
| Winchester City | $351,816 | +1.4% | 0.76% |
| Bedford County | $351,809 | +4.2% | 0.43% |
| Mathews County | $349,114 | +1.5% | 0.43% |
| Shenandoah County | $340,191 | +2.4% | 0.52% |
| Montgomery County | $338,166 | +2.1% | 0.74% |
| Roanoke County | $335,201 | +3.2% | 0.85% |
| Rockbridge County | $332,256 | +4.2% | 0.6% |
| Amelia County | $331,000 | +5.4% | 0.38% |
| Harrisonburg City | $327,726 | +3.0% | 0.76% |
| Botetourt County | $314,985 | +4.5% | 0.64% |
| Norfolk City | $310,877 | +1.5% | 1% |
| Page County | $310,702 | +4.7% | 0.64% |
| Northampton County | $309,419 | +5.0% | 0.57% |
| Westmoreland County | $309,231 | -0.1% | 0.6% |
| Dinwiddie County | $300,969 | +5.4% | 0.55% |
| King and Queen County | $299,161 | +5.6% | 0.52% |
| Essex County | $296,194 | +2.9% | 0.57% |
| Waynesboro City | $293,551 | +2.0% | 0.67% |
| Newport News City | $291,426 | +2.8% | 1.01% |
| Salem City | $290,648 | +3.8% | 0.9% |
| Appomattox County | $289,196 | +7.8% | 0.52% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.71% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Virginia
Frequently asked questions
How much house can I afford on $100,000 in Virginia?
About $360,000 with 20% down at 7.11%, keeping the payment (with Virginia's 0.71% property tax and insurance) under $2,333 a month.
Is $100,000 enough to buy a house in Virginia?
Not the typical home: the typical Virginia home is worth $412,252 (Zillow, September 2026) and $100,000 supports about $360,000. 84 of 133 counties are within budget.