Westmoreland County, Virginia home prices
Typical home $309,231 · -0.1% in a year · property tax 0.6%
The typical home in Westmoreland County is worth $309,231, 25% less than the Virginia typical home ($412,252). Values changed -0.1% in the past year and +17.9% over five years. Homeowners here pay a median 0.6% of their home's value in property tax each year ($1,867 on the typical home), versus 0.71% statewide.
Mortgage on the typical Westmoreland County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $61,846 | $247,385 | $1,664 | $0 | $310 | $1,974 | $84,600 |
| 10% down | $30,923 | $278,308 | $1,872 | $116 | $310 | $2,298 | $98,500 |
| 5% down | $15,462 | $293,770 | $1,976 | $122 | $310 | $2,409 | $103,200 |
| 3.5% down (FHA) | $10,823 | $303,630 | $2,043 | $137 | $310 | $2,490 | $106,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.6% 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 |
|---|---|---|---|
| Northampton County | $309,419 | +5.0% | 0.57% |
| Page County | $310,702 | +4.7% | 0.64% |
| Norfolk City | $310,877 | +1.5% | 1% |
| Botetourt County | $314,985 | +4.5% | 0.64% |
| Dinwiddie County | $300,969 | +5.4% | 0.55% |
| King and Queen County | $299,161 | +5.6% | 0.52% |
| Essex County | $296,194 | +2.9% | 0.57% |
| Waynesboro City | $293,551 | +2.0% | 0.67% |
| Newport News City | $291,426 | +2.8% | 1.01% |
| Harrisonburg City | $327,726 | +3.0% | 0.76% |
Frequently asked questions
What is the average home price in Westmoreland County, VA?
The typical home value in Westmoreland County is $309,231 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Westmoreland County?
About $84,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Westmoreland County?
The median effective rate is 0.6% of home value a year (Census ACS 2024 5-year estimates).