How much house can I afford on $70,000 in Virginia?
About $252,000 with 20% down ($201,000 with an FHA loan), using Virginia's 0.71% property tax rate.
That is $159,954 less than the typical Virginia home ($412,252), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,358 principal and interest, $149 property tax and $126 insurance.
Counties in Virginia you can afford on $70,000
45 of 133 counties have a typical home value at or below $252,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Buckingham County | $247,828 | +2.8% | 0.52% |
| Accomack County | $245,873 | +1.3% | 0.48% |
| Prince Edward County | $244,569 | +7.3% | 0.43% |
| Richmond County | $244,453 | +3.2% | 0.56% |
| Lynchburg City | $243,511 | +0.2% | 0.79% |
| Craig County | $241,906 | +7.3% | 0.56% |
| Franklin City | $235,735 | +2.4% | 0.71% |
| Pulaski County | $226,254 | +4.9% | 0.63% |
| Roanoke City | $219,673 | +0.6% | 0.99% |
| Bath County | $219,212 | +7.3% | 0.39% |
| Hopewell City | $215,859 | +2.2% | 0.86% |
| Wythe County | $210,800 | +2.3% | 0.53% |
| Mecklenburg County | $209,597 | +3.6% | 0.45% |
| Grayson County | $207,245 | +5.5% | 0.56% |
| Giles County | $206,518 | +8.6% | 0.61% |
| Charlotte County | $198,283 | +11.7% | 0.52% |
| Petersburg City | $196,761 | +1.2% | 0.81% |
| Nottoway County | $195,140 | +7.3% | 0.45% |
| Pittsylvania County | $193,773 | +2.2% | 0.59% |
| Patrick County | $192,865 | +2.5% | 0.55% |
| Buena Vista City | $190,494 | +3.6% | 0.91% |
| Alleghany County | $187,513 | +3.1% | 0.79% |
| Carroll County | $185,932 | +6.2% | 0.53% |
| Sussex County | $183,564 | +6.3% | 0.59% |
| Bland County | $181,272 | +8.9% | 0.56% |
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 $70,000 in Virginia?
About $252,000 with 20% down at 7.11%, keeping the payment (with Virginia's 0.71% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Virginia?
Not the typical home: the typical Virginia home is worth $412,252 (Zillow, September 2026) and $70,000 supports about $252,000. 45 of 133 counties are within budget.