Charles City County, Virginia home prices
Typical home $273,657 · +0.0% in a year · property tax 0.56%
The typical home in Charles City County is worth $273,657, 34% less than the Virginia typical home ($412,252). Values changed +0.0% in the past year and +20.0% over five years. Homeowners here pay a median 0.56% of their home's value in property tax each year ($1,522 on the typical home), versus 0.71% statewide.
Mortgage on the typical Charles City County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,731 | $218,925 | $1,473 | $0 | $264 | $1,736 | $74,400 |
| 10% down | $27,366 | $246,291 | $1,657 | $103 | $264 | $2,023 | $86,700 |
| 5% down | $13,683 | $259,974 | $1,749 | $108 | $264 | $2,121 | $90,900 |
| 3.5% down (FHA) | $9,578 | $268,700 | $1,808 | $121 | $264 | $2,192 | $94,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.56% 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 |
|---|---|---|---|
| Floyd County | $273,743 | +11.5% | 0.55% |
| Southampton County | $273,820 | +2.4% | 0.66% |
| Campbell County | $273,460 | +2.2% | 0.45% |
| Hampton City | $279,270 | +2.5% | 0.95% |
| Surry County | $279,671 | +1.4% | 0.69% |
| Colonial Heights City | $280,370 | +0.5% | 0.84% |
| Portsmouth City | $266,486 | +2.5% | 1.04% |
| Radford City | $265,800 | +3.5% | 0.72% |
| Highland County | $283,985 | +3.4% | 0.57% |
| Amherst County | $262,078 | +1.9% | 0.46% |
Frequently asked questions
What is the average home price in Charles City County, VA?
The typical home value in Charles City County is $273,657 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Charles City County?
About $74,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Charles City County?
The median effective rate is 0.56% of home value a year (Census ACS 2024 5-year estimates).