Lunenburg County, Virginia home prices
Typical home $143,388 · -1.3% in a year · property tax 0.39%
The typical home in Lunenburg County is worth $143,388, 65% less than the Virginia typical home ($412,252). Values changed -1.3% in the past year and +12.2% over five years. Homeowners here pay a median 0.39% of their home's value in property tax each year ($552 on the typical home), versus 0.71% statewide.
Mortgage on the typical Lunenburg County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $28,678 | $114,710 | $772 | $0 | $118 | $889 | $38,100 |
| 10% down | $14,339 | $129,049 | $868 | $54 | $118 | $1,040 | $44,600 |
| 5% down | $7,169 | $136,218 | $916 | $57 | $118 | $1,091 | $46,700 |
| 3.5% down (FHA) | $5,019 | $140,790 | $947 | $63 | $118 | $1,128 | $48,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.39% 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.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Russell County | $143,358 | +3.8% | 0.48% |
| Tazewell County | $144,973 | +3.6% | 0.62% |
| Henry County | $141,597 | -4.1% | 0.47% |
| Halifax County | $151,216 | +9.6% | 0.46% |
| Wise County | $135,234 | +0.9% | 0.58% |
| Emporia City | $151,757 | +6.1% | 0.79% |
| Brunswick County | $152,538 | +6.0% | 0.57% |
| Danville City | $133,231 | -1.0% | 0.65% |
| Norton City | $130,808 | -4.7% | 0.73% |
| Smyth County | $163,239 | +4.5% | 0.58% |
Frequently asked questions
What is the average home price in Lunenburg County, VA?
The typical home value in Lunenburg County is $143,388 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lunenburg County?
About $38,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lunenburg County?
The median effective rate is 0.39% of home value a year (Census ACS 2024 5-year estimates).