Amelia County, Virginia home prices
Typical home $331,000 · +5.4% in a year · property tax 0.38%
The typical home in Amelia County is worth $331,000, 20% less than the Virginia typical home ($412,252). Values changed +5.4% in the past year and +44.2% over five years. Homeowners here pay a median 0.38% of their home's value in property tax each year ($1,265 on the typical home), versus 0.71% statewide.
Mortgage on the typical Amelia County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $66,200 | $264,800 | $1,781 | $0 | $271 | $2,052 | $88,000 |
| 10% down | $33,100 | $297,900 | $2,004 | $124 | $271 | $2,399 | $102,800 |
| 5% down | $16,550 | $314,450 | $2,115 | $131 | $271 | $2,517 | $107,900 |
| 3.5% down (FHA) | $11,585 | $325,005 | $2,186 | $146 | $271 | $2,604 | $111,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.38% 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.
What it takes: see what you can afford by salary in Virginia · part of the Richmond metro area.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Rockbridge County | $332,256 | +4.2% | 0.6% |
| Harrisonburg City | $327,726 | +3.0% | 0.76% |
| Roanoke County | $335,201 | +3.2% | 0.85% |
| Montgomery County | $338,166 | +2.1% | 0.74% |
| Shenandoah County | $340,191 | +2.4% | 0.52% |
| Botetourt County | $314,985 | +4.5% | 0.64% |
| Mathews County | $349,114 | +1.5% | 0.43% |
| Norfolk City | $310,877 | +1.5% | 1% |
| Page County | $310,702 | +4.7% | 0.64% |
| Bedford County | $351,809 | +4.2% | 0.43% |
Frequently asked questions
What is the average home price in Amelia County, VA?
The typical home value in Amelia County is $331,000 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Amelia County?
About $88,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Amelia County?
The median effective rate is 0.38% of home value a year (Census ACS 2024 5-year estimates).