Middlesex County, Virginia home prices
Typical home $380,242 · +1.2% in a year · property tax 0.5%
The typical home in Middlesex County is worth $380,242, 8% less than the Virginia typical home ($412,252). Values changed +1.2% in the past year and +26.5% over five years. Homeowners here pay a median 0.5% of their home's value in property tax each year ($1,920 on the typical home), versus 0.71% statewide.
Mortgage on the typical Middlesex County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,048 | $304,194 | $2,046 | $0 | $350 | $2,396 | $102,700 |
| 10% down | $38,024 | $342,218 | $2,302 | $143 | $350 | $2,795 | $119,800 |
| 5% down | $19,012 | $361,230 | $2,430 | $151 | $350 | $2,931 | $125,600 |
| 3.5% down (FHA) | $13,308 | $373,355 | $2,512 | $168 | $350 | $3,030 | $129,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.5% 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 |
|---|---|---|---|
| Orange County | $380,385 | +1.8% | 0.55% |
| Greene County | $382,417 | +1.2% | 0.61% |
| Isle of Wight County | $383,688 | +2.2% | 0.7% |
| Gloucester County | $375,131 | +4.0% | 0.57% |
| Suffolk City | $387,665 | +2.8% | 0.93% |
| Fluvanna County | $372,612 | +1.1% | 0.63% |
| Augusta County | $369,272 | +5.6% | 0.47% |
| Northumberland County | $366,411 | +2.5% | 0.47% |
| Warren County | $394,470 | +3.0% | 0.52% |
| Richmond City | $365,737 | +2.2% | 0.89% |
Frequently asked questions
What is the average home price in Middlesex County, VA?
The typical home value in Middlesex County is $380,242 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Middlesex County?
About $102,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Middlesex County?
The median effective rate is 0.5% of home value a year (Census ACS 2024 5-year estimates).