Emporia City, Virginia home prices
Typical home $151,757 · +6.1% in a year · property tax 0.79%
The typical home in Emporia City is worth $151,757, 63% less than the Virginia typical home ($412,252). Values changed +6.1% in the past year and +54.1% over five years. Homeowners here pay a median 0.79% of their home's value in property tax each year ($1,197 on the typical home), versus 0.71% statewide.
Mortgage on the typical Emporia City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $30,351 | $121,405 | $817 | $0 | $176 | $992 | $42,500 |
| 10% down | $15,176 | $136,581 | $919 | $57 | $176 | $1,151 | $49,300 |
| 5% down | $7,588 | $144,169 | $970 | $60 | $176 | $1,206 | $51,700 |
| 3.5% down (FHA) | $5,311 | $149,008 | $1,002 | $67 | $176 | $1,245 | $53,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.79% 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 |
|---|---|---|---|
| Halifax County | $151,216 | +9.6% | 0.46% |
| Brunswick County | $152,538 | +6.0% | 0.57% |
| Tazewell County | $144,973 | +3.6% | 0.62% |
| Lunenburg County | $143,388 | -1.3% | 0.39% |
| Russell County | $143,358 | +3.8% | 0.48% |
| Henry County | $141,597 | -4.1% | 0.47% |
| Smyth County | $163,239 | +4.5% | 0.58% |
| Greensville County | $163,665 | +2.2% | 0.54% |
| Scott County | $168,070 | +3.5% | 0.62% |
| Wise County | $135,234 | +0.9% | 0.58% |
Frequently asked questions
What is the average home price in Emporia City, VA?
The typical home value in Emporia City is $151,757 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Emporia City?
About $42,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Emporia City?
The median effective rate is 0.79% of home value a year (Census ACS 2024 5-year estimates).