Rappahannock County, Virginia home prices
Typical home $567,353 · +4.3% in a year · property tax 0.49%
The typical home in Rappahannock County is worth $567,353, 38% more than the Virginia typical home ($412,252). Values changed +4.3% in the past year and +23.2% over five years. Homeowners here pay a median 0.49% of their home's value in property tax each year ($2,807 on the typical home), versus 0.71% statewide.
Mortgage on the typical Rappahannock County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $113,471 | $453,882 | $3,053 | $0 | $518 | $3,571 | $153,000 |
| 10% down | $56,735 | $510,618 | $3,435 | $213 | $518 | $4,165 | $178,500 |
| 5% down | $28,368 | $538,985 | $3,626 | $225 | $518 | $4,368 | $187,200 |
| 3.5% down (FHA) | $19,857 | $557,077 | $3,747 | $251 | $518 | $4,516 | $193,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.49% 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 Washington metro area.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clarke County | $562,284 | +3.0% | 0.48% |
| Prince William County | $578,429 | +1.1% | 0.94% |
| Goochland County | $583,172 | +3.7% | 0.5% |
| Albemarle County | $549,955 | +2.0% | 0.75% |
| Stafford County | $534,189 | +0.6% | 0.7% |
| Powhatan County | $494,273 | +2.7% | 0.59% |
| Fauquier County | $645,183 | +2.8% | 0.75% |
| Culpeper County | $488,600 | +3.1% | 0.52% |
| James City County | $484,205 | +1.8% | 0.65% |
| Charlottesville City | $483,274 | +0.5% | 0.8% |
Frequently asked questions
What is the average home price in Rappahannock County, VA?
The typical home value in Rappahannock County is $567,353 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Rappahannock County?
About $153,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Rappahannock County?
The median effective rate is 0.49% of home value a year (Census ACS 2024 5-year estimates).