How much house can I afford on $90,000 in Virginia?
About $324,000 with 20% down ($258,000 with an FHA loan), using Virginia's 0.71% property tax rate.
That is $87,868 less than the typical Virginia home ($412,252), so on $90,000 you'd look at cheaper areas or a smaller home. The payment of $2,100 covers $1,746 principal and interest, $192 property tax and $162 insurance.
Counties in Virginia you can afford on $90,000
71 of 133 counties have a typical home value at or below $324,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Botetourt County | $314,985 | +4.5% | 0.64% |
| Norfolk City | $310,877 | +1.5% | 1% |
| Page County | $310,702 | +4.7% | 0.64% |
| Northampton County | $309,419 | +5.0% | 0.57% |
| Westmoreland County | $309,231 | -0.1% | 0.6% |
| Dinwiddie County | $300,969 | +5.4% | 0.55% |
| King and Queen County | $299,161 | +5.6% | 0.52% |
| Essex County | $296,194 | +2.9% | 0.57% |
| Waynesboro City | $293,551 | +2.0% | 0.67% |
| Newport News City | $291,426 | +2.8% | 1.01% |
| Salem City | $290,648 | +3.8% | 0.9% |
| Appomattox County | $289,196 | +7.8% | 0.52% |
| 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% |
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 $90,000 in Virginia?
About $324,000 with 20% down at 7.11%, keeping the payment (with Virginia's 0.71% property tax and insurance) under $2,100 a month.
Is $90,000 enough to buy a house in Virginia?
Not the typical home: the typical Virginia home is worth $412,252 (Zillow, September 2026) and $90,000 supports about $324,000. 71 of 133 counties are within budget.