Harrisonburg City, Virginia home prices
Typical home $327,726 · +3.0% in a year · property tax 0.76%
The typical home in Harrisonburg City is worth $327,726, 21% less than the Virginia typical home ($412,252). Values changed +3.0% in the past year and +20.4% over five years. Homeowners here pay a median 0.76% of their home's value in property tax each year ($2,499 on the typical home), versus 0.71% statewide.
Mortgage on the typical Harrisonburg City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $65,545 | $262,181 | $1,764 | $0 | $372 | $2,136 | $91,500 |
| 10% down | $32,773 | $294,953 | $1,984 | $123 | $372 | $2,479 | $106,300 |
| 5% down | $16,386 | $311,339 | $2,094 | $130 | $372 | $2,596 | $111,300 |
| 3.5% down (FHA) | $11,470 | $321,790 | $2,165 | $145 | $372 | $2,682 | $114,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.76% 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 Harrisonburg metro area.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Amelia County | $331,000 | +5.4% | 0.38% |
| Rockbridge County | $332,256 | +4.2% | 0.6% |
| Roanoke County | $335,201 | +3.2% | 0.85% |
| Montgomery County | $338,166 | +2.1% | 0.74% |
| Shenandoah County | $340,191 | +2.4% | 0.52% |
| Botetourt County | $314,985 | +4.5% | 0.64% |
| Norfolk City | $310,877 | +1.5% | 1% |
| Page County | $310,702 | +4.7% | 0.64% |
| Northampton County | $309,419 | +5.0% | 0.57% |
| Westmoreland County | $309,231 | -0.1% | 0.6% |
Frequently asked questions
What is the average home price in Harrisonburg City, VA?
The typical home value in Harrisonburg City is $327,726 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Harrisonburg City?
About $91,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Harrisonburg City?
The median effective rate is 0.76% of home value a year (Census ACS 2024 5-year estimates).