How much house can I afford on $190,000 in Virginia?
About $685,000 with 20% down ($545,000 with an FHA loan), using Virginia's 0.71% property tax rate.
That is $272,558 more than the typical Virginia home ($412,252), so a $190,000 salary can buy a typical home here. The payment of $4,433 covers $3,685 principal and interest, $406 property tax and $342 insurance.
Counties in Virginia you can afford on $190,000
128 of 133 counties have a typical home value at or below $685,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Alexandria City | $673,546 | +1.9% | 0.96% |
| Fauquier County | $645,183 | +2.8% | 0.75% |
| Goochland County | $583,172 | +3.7% | 0.5% |
| Prince William County | $578,429 | +1.1% | 0.94% |
| Rappahannock County | $567,353 | +4.3% | 0.49% |
| Clarke County | $562,284 | +3.0% | 0.48% |
| Albemarle County | $549,955 | +2.0% | 0.75% |
| Stafford County | $534,189 | +0.6% | 0.7% |
| 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% |
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 $190,000 in Virginia?
About $685,000 with 20% down at 7.11%, keeping the payment (with Virginia's 0.71% property tax and insurance) under $4,433 a month.
Is $190,000 enough to buy a house in Virginia?
Yes: the typical Virginia home is worth $412,252 (Zillow, September 2026) and $190,000 supports about $685,000. 128 of 133 counties are within budget.