Fluvanna County, Virginia home prices
Typical home $372,612 · +1.1% in a year · property tax 0.63%
The typical home in Fluvanna County is worth $372,612, 10% less than the Virginia typical home ($412,252). Values changed +1.1% in the past year and +24.6% over five years. Homeowners here pay a median 0.63% of their home's value in property tax each year ($2,333 on the typical home), versus 0.71% statewide.
Mortgage on the typical Fluvanna County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $74,522 | $298,089 | $2,005 | $0 | $381 | $2,386 | $102,300 |
| 10% down | $37,261 | $335,350 | $2,256 | $140 | $381 | $2,776 | $119,000 |
| 5% down | $18,631 | $353,981 | $2,381 | $147 | $381 | $2,910 | $124,700 |
| 3.5% down (FHA) | $13,041 | $365,863 | $2,461 | $165 | $381 | $3,007 | $128,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.63% 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 Charlottesville metro area.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Gloucester County | $375,131 | +4.0% | 0.57% |
| Augusta County | $369,272 | +5.6% | 0.47% |
| Northumberland County | $366,411 | +2.5% | 0.47% |
| Richmond City | $365,737 | +2.2% | 0.89% |
| Middlesex County | $380,242 | +1.2% | 0.5% |
| Orange County | $380,385 | +1.8% | 0.55% |
| Franklin County | $363,796 | +3.9% | 0.5% |
| Greene County | $382,417 | +1.2% | 0.61% |
| Nelson County | $362,239 | +3.0% | 0.5% |
| Isle of Wight County | $383,688 | +2.2% | 0.7% |
Frequently asked questions
What is the average home price in Fluvanna County, VA?
The typical home value in Fluvanna County is $372,612 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Fluvanna County?
About $102,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Fluvanna County?
The median effective rate is 0.63% of home value a year (Census ACS 2024 5-year estimates).