Nelson County, Virginia home prices
Typical home $362,239 · +3.0% in a year · property tax 0.5%
The typical home in Nelson County is worth $362,239, 12% less than the Virginia typical home ($412,252). Values changed +3.0% in the past year and +26.9% over five years. Homeowners here pay a median 0.5% of their home's value in property tax each year ($1,826 on the typical home), versus 0.71% statewide.
Mortgage on the typical Nelson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $72,448 | $289,791 | $1,949 | $0 | $333 | $2,283 | $97,800 |
| 10% down | $36,224 | $326,015 | $2,193 | $136 | $333 | $2,662 | $114,100 |
| 5% down | $18,112 | $344,127 | $2,315 | $143 | $333 | $2,792 | $119,600 |
| 3.5% down (FHA) | $12,678 | $355,678 | $2,393 | $160 | $333 | $2,886 | $123,700 |
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 · part of the Charlottesville metro area.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Rockingham County | $361,245 | +2.1% | 0.53% |
| Franklin County | $363,796 | +3.9% | 0.5% |
| Caroline County | $359,075 | +3.6% | 0.52% |
| Richmond City | $365,737 | +2.2% | 0.89% |
| Northumberland County | $366,411 | +2.5% | 0.47% |
| Prince George County | $356,119 | +3.8% | 0.74% |
| Augusta County | $369,272 | +5.6% | 0.47% |
| Lexington City | $354,128 | +2.4% | 0.81% |
| King William County | $352,179 | +3.0% | 0.55% |
| Fluvanna County | $372,612 | +1.1% | 0.63% |
Frequently asked questions
What is the average home price in Nelson County, VA?
The typical home value in Nelson County is $362,239 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Nelson County?
About $97,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Nelson County?
The median effective rate is 0.5% of home value a year (Census ACS 2024 5-year estimates).