Patrick County, Virginia home prices
Typical home $192,865 · +2.5% in a year · property tax 0.55%
The typical home in Patrick County is worth $192,865, 53% less than the Virginia typical home ($412,252). Values changed +2.5% in the past year and +7.1% over five years. Homeowners here pay a median 0.55% of their home's value in property tax each year ($1,062 on the typical home), versus 0.71% statewide.
Mortgage on the typical Patrick County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,573 | $154,292 | $1,038 | $0 | $185 | $1,223 | $52,400 |
| 10% down | $19,287 | $173,579 | $1,168 | $72 | $185 | $1,425 | $61,100 |
| 5% down | $9,643 | $183,222 | $1,233 | $76 | $185 | $1,494 | $64,000 |
| 3.5% down (FHA) | $6,750 | $189,372 | $1,274 | $85 | $185 | $1,544 | $66,200 |
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 |
|---|---|---|---|
| Pittsylvania County | $193,773 | +2.2% | 0.59% |
| Nottoway County | $195,140 | +7.3% | 0.45% |
| Buena Vista City | $190,494 | +3.6% | 0.91% |
| Petersburg City | $196,761 | +1.2% | 0.81% |
| Alleghany County | $187,513 | +3.1% | 0.79% |
| Charlotte County | $198,283 | +11.7% | 0.52% |
| Carroll County | $185,932 | +6.2% | 0.53% |
| Sussex County | $183,564 | +6.3% | 0.59% |
| Bland County | $181,272 | +8.9% | 0.56% |
| Galax City | $180,866 | +7.0% | 0.76% |
Frequently asked questions
What is the average home price in Patrick County, VA?
The typical home value in Patrick County is $192,865 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Patrick County?
About $52,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Patrick County?
The median effective rate is 0.55% of home value a year (Census ACS 2024 5-year estimates).