How much house can I afford on $80,000 in Virginia?
About $288,000 with 20% down ($229,000 with an FHA loan), using Virginia's 0.71% property tax rate.
That is $123,911 less than the typical Virginia home ($412,252), so on $80,000 you'd look at cheaper areas or a smaller home. The payment of $1,867 covers $1,552 principal and interest, $171 property tax and $144 insurance.
Counties in Virginia you can afford on $80,000
59 of 133 counties have a typical home value at or below $288,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cumberland County | $288,159 | +9.4% | 0.57% |
| Staunton City | $288,132 | +3.8% | 0.7% |
| Highland County | $283,985 | +3.4% | 0.57% |
| Colonial Heights City | $280,370 | +0.5% | 0.84% |
| Surry County | $279,671 | +1.4% | 0.69% |
| Hampton City | $279,270 | +2.5% | 0.95% |
| Southampton County | $273,820 | +2.4% | 0.66% |
| Floyd County | $273,743 | +11.5% | 0.55% |
| Charles City County | $273,657 | +0.0% | 0.56% |
| Campbell County | $273,460 | +2.2% | 0.45% |
| Portsmouth City | $266,486 | +2.5% | 1.04% |
| Radford City | $265,800 | +3.5% | 0.72% |
| Amherst County | $262,078 | +1.9% | 0.46% |
| Washington County | $258,078 | +2.5% | 0.5% |
| 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% |
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 $80,000 in Virginia?
About $288,000 with 20% down at 7.11%, keeping the payment (with Virginia's 0.71% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Virginia?
Not the typical home: the typical Virginia home is worth $412,252 (Zillow, September 2026) and $80,000 supports about $288,000. 59 of 133 counties are within budget.