Southampton County, Virginia home prices
Typical home $273,820 · +2.4% in a year · property tax 0.66%
The typical home in Southampton County is worth $273,820, 34% less than the Virginia typical home ($412,252). Values changed +2.4% in the past year and +25.2% over five years. Homeowners here pay a median 0.66% of their home's value in property tax each year ($1,796 on the typical home), versus 0.71% statewide.
Mortgage on the typical Southampton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,764 | $219,056 | $1,474 | $0 | $287 | $1,760 | $75,400 |
| 10% down | $27,382 | $246,438 | $1,658 | $103 | $287 | $2,047 | $87,700 |
| 5% down | $13,691 | $260,129 | $1,750 | $108 | $287 | $2,145 | $91,900 |
| 3.5% down (FHA) | $9,584 | $268,861 | $1,809 | $121 | $287 | $2,216 | $95,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.66% 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 Virginia Beach metro area.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Floyd County | $273,743 | +11.5% | 0.55% |
| Charles City County | $273,657 | +0.0% | 0.56% |
| Campbell County | $273,460 | +2.2% | 0.45% |
| Hampton City | $279,270 | +2.5% | 0.95% |
| Surry County | $279,671 | +1.4% | 0.69% |
| Colonial Heights City | $280,370 | +0.5% | 0.84% |
| Portsmouth City | $266,486 | +2.5% | 1.04% |
| Radford City | $265,800 | +3.5% | 0.72% |
| Highland County | $283,985 | +3.4% | 0.57% |
| Amherst County | $262,078 | +1.9% | 0.46% |
Frequently asked questions
What is the average home price in Southampton County, VA?
The typical home value in Southampton County is $273,820 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Southampton County?
About $75,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Southampton County?
The median effective rate is 0.66% of home value a year (Census ACS 2024 5-year estimates).