How much house can I afford on $110,000 in Virginia?
About $396,000 with 20% down ($315,000 with an FHA loan), using Virginia's 0.71% property tax rate.
That is $15,783 less than the typical Virginia home ($412,252), so on $110,000 you'd look at cheaper areas or a smaller home. The payment of $2,567 covers $2,134 principal and interest, $235 property tax and $198 insurance.
Counties in Virginia you can afford on $110,000
98 of 133 counties have a typical home value at or below $396,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Warren County | $394,470 | +3.0% | 0.52% |
| Suffolk City | $387,665 | +2.8% | 0.93% |
| Isle of Wight County | $383,688 | +2.2% | 0.7% |
| Greene County | $382,417 | +1.2% | 0.61% |
| Orange County | $380,385 | +1.8% | 0.55% |
| Middlesex County | $380,242 | +1.2% | 0.5% |
| Gloucester County | $375,131 | +4.0% | 0.57% |
| Fluvanna County | $372,612 | +1.1% | 0.63% |
| Augusta County | $369,272 | +5.6% | 0.47% |
| Northumberland County | $366,411 | +2.5% | 0.47% |
| Richmond City | $365,737 | +2.2% | 0.89% |
| Franklin County | $363,796 | +3.9% | 0.5% |
| Nelson County | $362,239 | +3.0% | 0.5% |
| Rockingham County | $361,245 | +2.1% | 0.53% |
| 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% |
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 $110,000 in Virginia?
About $396,000 with 20% down at 7.11%, keeping the payment (with Virginia's 0.71% property tax and insurance) under $2,567 a month.
Is $110,000 enough to buy a house in Virginia?
Not the typical home: the typical Virginia home is worth $412,252 (Zillow, September 2026) and $110,000 supports about $396,000. 98 of 133 counties are within budget.