Charlotte County, Virginia home prices
Typical home $198,283 · +11.7% in a year · property tax 0.52%
The typical home in Charlotte County is worth $198,283, 52% less than the Virginia typical home ($412,252). Values changed +11.7% in the past year and +24.3% over five years. Homeowners here pay a median 0.52% of their home's value in property tax each year ($1,040 on the typical home), versus 0.71% statewide.
Mortgage on the typical Charlotte County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $39,657 | $158,627 | $1,067 | $0 | $186 | $1,253 | $53,700 |
| 10% down | $19,828 | $178,455 | $1,200 | $74 | $186 | $1,461 | $62,600 |
| 5% down | $9,914 | $188,369 | $1,267 | $78 | $186 | $1,531 | $65,600 |
| 3.5% down (FHA) | $6,940 | $194,692 | $1,310 | $88 | $186 | $1,583 | $67,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.52% 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 |
|---|---|---|---|
| Petersburg City | $196,761 | +1.2% | 0.81% |
| Nottoway County | $195,140 | +7.3% | 0.45% |
| Pittsylvania County | $193,773 | +2.2% | 0.59% |
| Patrick County | $192,865 | +2.5% | 0.55% |
| Buena Vista City | $190,494 | +3.6% | 0.91% |
| Giles County | $206,518 | +8.6% | 0.61% |
| Grayson County | $207,245 | +5.5% | 0.56% |
| Alleghany County | $187,513 | +3.1% | 0.79% |
| Mecklenburg County | $209,597 | +3.6% | 0.45% |
| Carroll County | $185,932 | +6.2% | 0.53% |
Frequently asked questions
What is the average home price in Charlotte County, VA?
The typical home value in Charlotte County is $198,283 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Charlotte County?
About $53,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Charlotte County?
The median effective rate is 0.52% of home value a year (Census ACS 2024 5-year estimates).