Orange County, Virginia home prices
Typical home $380,385 · +1.8% in a year · property tax 0.55%
The typical home in Orange County is worth $380,385, 8% less than the Virginia typical home ($412,252). Values changed +1.8% in the past year and +23.9% over five years. Homeowners here pay a median 0.55% of their home's value in property tax each year ($2,086 on the typical home), versus 0.71% statewide.
Mortgage on the typical Orange County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $76,077 | $304,308 | $2,047 | $0 | $364 | $2,411 | $103,300 |
| 10% down | $38,038 | $342,346 | $2,303 | $143 | $364 | $2,810 | $120,400 |
| 5% down | $19,019 | $361,365 | $2,431 | $151 | $364 | $2,946 | $126,200 |
| 3.5% down (FHA) | $13,313 | $373,495 | $2,513 | $168 | $364 | $3,045 | $130,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.55% 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 |
|---|---|---|---|
| Middlesex County | $380,242 | +1.2% | 0.5% |
| 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 Orange County, VA?
The typical home value in Orange County is $380,385 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Orange County?
About $103,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Orange County?
The median effective rate is 0.55% of home value a year (Census ACS 2024 5-year estimates).