Surry County, Virginia home prices
Typical home $279,671 · +1.4% in a year · property tax 0.69%
The typical home in Surry County is worth $279,671, 32% less than the Virginia typical home ($412,252). Values changed +1.4% in the past year and +15.9% over five years. Homeowners here pay a median 0.69% of their home's value in property tax each year ($1,934 on the typical home), versus 0.71% statewide.
Mortgage on the typical Surry County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,934 | $223,737 | $1,505 | $0 | $301 | $1,806 | $77,400 |
| 10% down | $27,967 | $251,704 | $1,693 | $105 | $301 | $2,099 | $90,000 |
| 5% down | $13,984 | $265,688 | $1,787 | $111 | $301 | $2,199 | $94,200 |
| 3.5% down (FHA) | $9,788 | $274,606 | $1,847 | $124 | $301 | $2,272 | $97,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.69% 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 |
|---|---|---|---|
| Hampton City | $279,270 | +2.5% | 0.95% |
| Colonial Heights City | $280,370 | +0.5% | 0.84% |
| Highland County | $283,985 | +3.4% | 0.57% |
| Southampton County | $273,820 | +2.4% | 0.66% |
| 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% |
| Staunton City | $288,132 | +3.8% | 0.7% |
| Cumberland County | $288,159 | +9.4% | 0.57% |
| Appomattox County | $289,196 | +7.8% | 0.52% |
Frequently asked questions
What is the average home price in Surry County, VA?
The typical home value in Surry County is $279,671 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Surry County?
About $77,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Surry County?
The median effective rate is 0.69% of home value a year (Census ACS 2024 5-year estimates).