Carroll County, Virginia home prices
Typical home $185,932 · +6.2% in a year · property tax 0.53%
The typical home in Carroll County is worth $185,932, 55% less than the Virginia typical home ($412,252). Values changed +6.2% in the past year and +10.9% over five years. Homeowners here pay a median 0.53% of their home's value in property tax each year ($991 on the typical home), versus 0.71% statewide.
Mortgage on the typical Carroll County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,186 | $148,745 | $1,001 | $0 | $176 | $1,176 | $50,400 |
| 10% down | $18,593 | $167,339 | $1,126 | $70 | $176 | $1,371 | $58,800 |
| 5% down | $9,297 | $176,635 | $1,188 | $74 | $176 | $1,437 | $61,600 |
| 3.5% down (FHA) | $6,508 | $182,564 | $1,228 | $82 | $176 | $1,486 | $63,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.53% 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.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Alleghany County | $187,513 | +3.1% | 0.79% |
| Sussex County | $183,564 | +6.3% | 0.59% |
| Buena Vista City | $190,494 | +3.6% | 0.91% |
| Bland County | $181,272 | +8.9% | 0.56% |
| Galax City | $180,866 | +7.0% | 0.76% |
| Patrick County | $192,865 | +2.5% | 0.55% |
| Pittsylvania County | $193,773 | +2.2% | 0.59% |
| Bristol City | $177,856 | -3.0% | 0.75% |
| Nottoway County | $195,140 | +7.3% | 0.45% |
| Petersburg City | $196,761 | +1.2% | 0.81% |
Frequently asked questions
What is the average home price in Carroll County, VA?
The typical home value in Carroll County is $185,932 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Carroll County?
About $50,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Carroll County?
The median effective rate is 0.53% of home value a year (Census ACS 2024 5-year estimates).