Gloucester County, Virginia home prices
Typical home $375,131 · +4.0% in a year · property tax 0.57%
The typical home in Gloucester County is worth $375,131, 9% less than the Virginia typical home ($412,252). Values changed +4.0% in the past year and +30.9% over five years. Homeowners here pay a median 0.57% of their home's value in property tax each year ($2,128 on the typical home), versus 0.71% statewide.
Mortgage on the typical Gloucester County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $75,026 | $300,105 | $2,019 | $0 | $365 | $2,384 | $102,200 |
| 10% down | $37,513 | $337,618 | $2,271 | $141 | $365 | $2,777 | $119,000 |
| 5% down | $18,757 | $356,375 | $2,397 | $148 | $365 | $2,911 | $124,700 |
| 3.5% down (FHA) | $13,130 | $368,337 | $2,478 | $166 | $365 | $3,009 | $128,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.57% 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 Virginia Beach metro area.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Fluvanna County | $372,612 | +1.1% | 0.63% |
| Middlesex County | $380,242 | +1.2% | 0.5% |
| Orange County | $380,385 | +1.8% | 0.55% |
| Augusta County | $369,272 | +5.6% | 0.47% |
| Greene County | $382,417 | +1.2% | 0.61% |
| Isle of Wight County | $383,688 | +2.2% | 0.7% |
| Northumberland County | $366,411 | +2.5% | 0.47% |
| Richmond City | $365,737 | +2.2% | 0.89% |
| Franklin County | $363,796 | +3.9% | 0.5% |
| Suffolk City | $387,665 | +2.8% | 0.93% |
Frequently asked questions
What is the average home price in Gloucester County, VA?
The typical home value in Gloucester County is $375,131 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Gloucester County?
About $102,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Gloucester County?
The median effective rate is 0.57% of home value a year (Census ACS 2024 5-year estimates).