How much house can I afford on $140,000 in Virginia?
About $505,000 with 20% down ($401,000 with an FHA loan), using Virginia's 0.71% property tax rate.
That is $92,345 more than the typical Virginia home ($412,252), so a $140,000 salary can buy a typical home here. The payment of $3,267 covers $2,716 principal and interest, $299 property tax and $252 insurance.
Counties in Virginia you can afford on $140,000
120 of 133 counties have a typical home value at or below $505,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Powhatan County | $494,273 | +2.7% | 0.59% |
| Culpeper County | $488,600 | +3.1% | 0.52% |
| James City County | $484,205 | +1.8% | 0.65% |
| Charlottesville City | $483,274 | +0.5% | 0.8% |
| Manassas City | $481,776 | -0.6% | 1.09% |
| King George County | $476,101 | +2.8% | 0.53% |
| Fredericksburg City | $467,891 | +1.7% | 0.6% |
| York County | $463,575 | +2.8% | 0.64% |
| Poquoson City | $460,122 | +1.8% | 0.92% |
| Spotsylvania County | $456,909 | +0.9% | 0.58% |
| Hanover County | $456,445 | +3.5% | 0.66% |
| Manassas Park City | $456,320 | +1.6% | 1.17% |
| New Kent County | $447,882 | +3.6% | 0.64% |
| Frederick County | $428,315 | +1.3% | 0.48% |
| Chesapeake City | $424,806 | +3.6% | 0.82% |
| Virginia Beach City | $424,664 | +3.1% | 0.8% |
| Madison County | $420,931 | +4.4% | 0.53% |
| Louisa County | $419,890 | +2.6% | 0.6% |
| Williamsburg City | $414,600 | +3.4% | 0.59% |
| Chesterfield County | $410,086 | +2.6% | 0.76% |
| Henrico County | $397,454 | +1.8% | 0.71% |
| Lancaster County | $397,428 | +5.6% | 0.48% |
| 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% |
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 $140,000 in Virginia?
About $505,000 with 20% down at 7.11%, keeping the payment (with Virginia's 0.71% property tax and insurance) under $3,267 a month.
Is $140,000 enough to buy a house in Virginia?
Yes: the typical Virginia home is worth $412,252 (Zillow, September 2026) and $140,000 supports about $505,000. 120 of 133 counties are within budget.