Frederick County, Virginia home prices
Typical home $428,315 · +1.3% in a year · property tax 0.48%
The typical home in Frederick County is worth $428,315, 4% more than the Virginia typical home ($412,252). Values changed +1.3% in the past year and +19.9% over five years. Homeowners here pay a median 0.48% of their home's value in property tax each year ($2,048 on the typical home), versus 0.71% statewide.
Mortgage on the typical Frederick County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $85,663 | $342,652 | $2,305 | $0 | $385 | $2,690 | $115,300 |
| 10% down | $42,832 | $385,484 | $2,593 | $161 | $385 | $3,139 | $134,500 |
| 5% down | $21,416 | $406,900 | $2,737 | $170 | $385 | $3,292 | $141,100 |
| 3.5% down (FHA) | $14,991 | $420,558 | $2,829 | $189 | $385 | $3,403 | $145,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.48% 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 Winchester metro area.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Chesapeake City | $424,806 | +3.6% | 0.82% |
| Virginia Beach City | $424,664 | +3.1% | 0.8% |
| Madison County | $420,931 | +4.4% | 0.53% |
| Louisa County | $419,890 | +2.6% | 0.6% |
| Williamsburg City | $414,600 | +3.4% | 0.59% |
| Chesterfield County | $410,086 | +2.6% | 0.76% |
| New Kent County | $447,882 | +3.6% | 0.64% |
| Manassas Park City | $456,320 | +1.6% | 1.17% |
| Hanover County | $456,445 | +3.5% | 0.66% |
| Spotsylvania County | $456,909 | +0.9% | 0.58% |
Frequently asked questions
What is the average home price in Frederick County, VA?
The typical home value in Frederick County is $428,315 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Frederick County?
About $115,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Frederick County?
The median effective rate is 0.48% of home value a year (Census ACS 2024 5-year estimates).