James City County, Virginia home prices
Typical home $484,205 · +1.8% in a year · property tax 0.65%
The typical home in James City County is worth $484,205, 17% more than the Virginia typical home ($412,252). Values changed +1.8% in the past year and +28.5% over five years. Homeowners here pay a median 0.65% of their home's value in property tax each year ($3,141 on the typical home), versus 0.71% statewide.
Mortgage on the typical James City County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $96,841 | $387,364 | $2,606 | $0 | $504 | $3,110 | $133,300 |
| 10% down | $48,420 | $435,784 | $2,932 | $182 | $504 | $3,617 | $155,000 |
| 5% down | $24,210 | $459,994 | $3,094 | $192 | $504 | $3,790 | $162,400 |
| 3.5% down (FHA) | $16,947 | $475,434 | $3,198 | $214 | $504 | $3,916 | $167,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.65% 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 |
|---|---|---|---|
| Charlottesville City | $483,274 | +0.5% | 0.8% |
| Manassas City | $481,776 | -0.6% | 1.09% |
| Culpeper County | $488,600 | +3.1% | 0.52% |
| King George County | $476,101 | +2.8% | 0.53% |
| Powhatan County | $494,273 | +2.7% | 0.59% |
| Fredericksburg City | $467,891 | +1.7% | 0.6% |
| York County | $463,575 | +2.8% | 0.64% |
| Poquoson City | $460,122 | +1.8% | 0.92% |
| Spotsylvania County | $456,909 | +0.9% | 0.58% |
| Hanover County | $456,445 | +3.5% | 0.66% |
Frequently asked questions
What is the average home price in James City County, VA?
The typical home value in James City County is $484,205 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in James City County?
About $133,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in James City County?
The median effective rate is 0.65% of home value a year (Census ACS 2024 5-year estimates).