Northampton County, Virginia home prices
Typical home $309,419 · +5.0% in a year · property tax 0.57%
The typical home in Northampton County is worth $309,419, 25% less than the Virginia typical home ($412,252). Values changed +5.0% in the past year and +34.6% over five years. Homeowners here pay a median 0.57% of their home's value in property tax each year ($1,768 on the typical home), versus 0.71% statewide.
Mortgage on the typical Northampton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $61,884 | $247,535 | $1,665 | $0 | $302 | $1,967 | $84,300 |
| 10% down | $30,942 | $278,477 | $1,873 | $116 | $302 | $2,291 | $98,200 |
| 5% down | $15,471 | $293,948 | $1,977 | $122 | $302 | $2,402 | $102,900 |
| 3.5% down (FHA) | $10,830 | $303,814 | $2,044 | $137 | $302 | $2,483 | $106,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.57% 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 |
|---|---|---|---|
| Westmoreland County | $309,231 | -0.1% | 0.6% |
| Page County | $310,702 | +4.7% | 0.64% |
| Norfolk City | $310,877 | +1.5% | 1% |
| Botetourt County | $314,985 | +4.5% | 0.64% |
| Dinwiddie County | $300,969 | +5.4% | 0.55% |
| King and Queen County | $299,161 | +5.6% | 0.52% |
| Essex County | $296,194 | +2.9% | 0.57% |
| Waynesboro City | $293,551 | +2.0% | 0.67% |
| Newport News City | $291,426 | +2.8% | 1.01% |
| Harrisonburg City | $327,726 | +3.0% | 0.76% |
Frequently asked questions
What is the average home price in Northampton County, VA?
The typical home value in Northampton County is $309,419 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Northampton County?
About $84,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Northampton County?
The median effective rate is 0.57% of home value a year (Census ACS 2024 5-year estimates).