Virginia home prices and mortgage costs
Typical home value $412,252 · +2.1% in a year · property tax 0.71%
Typical home value
$412,252
Payment (20% down)
$2,669
Income needed
$114,400
Virginia ranks 19th most expensive of 51 states and D.C. Home values changed +2.1% over the past year and +23.5% over five years. Buying the typical home with 20% down costs about $2,669 a month at 7.11%, which needs a household income of about $114,400.
Cost of the typical Virginia home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $82,450 | $329,802 | $2,219 | $0 | $450 | $2,669 | $114,400 |
| 10% down | $41,225 | $371,027 | $2,496 | $155 | $450 | $3,101 | $132,900 |
| 5% down | $20,613 | $391,639 | $2,635 | $163 | $450 | $3,248 | $139,200 |
| 3.5% down (FHA) | $14,429 | $404,785 | $2,723 | $182 | $450 | $3,356 | $143,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.71% 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.
Check a specific budget: how much house you can afford in Virginia by salary · payment on a $400K home in Virginia
Home prices by county in Virginia
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Falls Church City | $1,160,523 | +5.5% | 0.95% | $7,742 | $331,800 |
| Arlington County | $802,232 | +1.3% | 0.91% | $5,327 | $228,300 |
| Loudoun County | $792,206 | +1.6% | 0.85% | $5,221 | $223,800 |
| Fairfax City | $768,671 | +2.7% | 0.9% | $5,099 | $218,500 |
| Fairfax County | $756,212 | +1.2% | 1.01% | $5,081 | $217,800 |
| Alexandria City | $673,546 | +1.9% | 0.96% | $4,498 | $192,800 |
| Fauquier County | $645,183 | +2.8% | 0.75% | $4,200 | $180,000 |
| Goochland County | $583,172 | +3.7% | 0.5% | $3,672 | $157,400 |
| Prince William County | $578,429 | +1.1% | 0.94% | $3,857 | $165,300 |
| Rappahannock County | $567,353 | +4.3% | 0.49% | $3,571 | $153,000 |
| Clarke County | $562,284 | +3.0% | 0.48% | $3,533 | $151,400 |
| Albemarle County | $549,955 | +2.0% | 0.75% | $3,579 | $153,400 |
| Stafford County | $534,189 | +0.6% | 0.7% | $3,455 | $148,100 |
| Powhatan County | $494,273 | +2.7% | 0.59% | $3,150 | $135,000 |
| Culpeper County | $488,600 | +3.1% | 0.52% | $3,087 | $132,300 |
| James City County | $484,205 | +1.8% | 0.65% | $3,110 | $133,300 |
| Charlottesville City | $483,274 | +0.5% | 0.8% | $3,166 | $135,700 |
| Manassas City | $481,776 | -0.6% | 1.09% | $3,273 | $140,300 |
| King George County | $476,101 | +2.8% | 0.53% | $3,009 | $129,000 |
| Fredericksburg City | $467,891 | +1.7% | 0.6% | $2,986 | $128,000 |
| York County | $463,575 | +2.8% | 0.64% | $2,976 | $127,500 |
| Poquoson City | $460,122 | +1.8% | 0.92% | $3,060 | $131,100 |
| Spotsylvania County | $456,909 | +0.9% | 0.58% | $2,908 | $124,600 |
| Hanover County | $456,445 | +3.5% | 0.66% | $2,934 | $125,800 |
| Manassas Park City | $456,320 | +1.6% | 1.17% | $3,129 | $134,100 |
| New Kent County | $447,882 | +3.6% | 0.64% | $2,872 | $123,100 |
| Frederick County | $428,315 | +1.3% | 0.48% | $2,690 | $115,300 |
| Chesapeake City | $424,806 | +3.6% | 0.82% | $2,789 | $119,500 |
| Virginia Beach City | $424,664 | +3.1% | 0.8% | $2,781 | $119,200 |
| Madison County | $420,931 | +4.4% | 0.53% | $2,662 | $114,100 |
| Louisa County | $419,890 | +2.6% | 0.6% | $2,679 | $114,800 |
| Williamsburg City | $414,600 | +3.4% | 0.59% | $2,642 | $113,200 |
| Chesterfield County | $410,086 | +2.6% | 0.76% | $2,671 | $114,500 |
| Henrico County | $397,454 | +1.8% | 0.71% | $2,574 | $110,300 |
| Lancaster County | $397,428 | +5.6% | 0.48% | $2,495 | $106,900 |
| Warren County | $394,470 | +3.0% | 0.52% | $2,492 | $106,800 |
| Suffolk City | $387,665 | +2.8% | 0.93% | $2,580 | $110,600 |
| Isle of Wight County | $383,688 | +2.2% | 0.7% | $2,482 | $106,400 |
| Greene County | $382,417 | +1.2% | 0.61% | $2,443 | $104,700 |
| Orange County | $380,385 | +1.8% | 0.55% | $2,411 | $103,300 |
| Middlesex County | $380,242 | +1.2% | 0.5% | $2,396 | $102,700 |
| Gloucester County | $375,131 | +4.0% | 0.57% | $2,384 | $102,200 |
| Fluvanna County | $372,612 | +1.1% | 0.63% | $2,386 | $102,300 |
| Augusta County | $369,272 | +5.6% | 0.47% | $2,317 | $99,300 |
| Northumberland County | $366,411 | +2.5% | 0.47% | $2,300 | $98,600 |
| Richmond City | $365,737 | +2.2% | 0.89% | $2,423 | $103,800 |
| Franklin County | $363,796 | +3.9% | 0.5% | $2,291 | $98,200 |
| Nelson County | $362,239 | +3.0% | 0.5% | $2,283 | $97,800 |
| Rockingham County | $361,245 | +2.1% | 0.53% | $2,283 | $97,800 |
| Caroline County | $359,075 | +3.6% | 0.52% | $2,267 | $97,200 |
| Prince George County | $356,119 | +3.8% | 0.74% | $2,315 | $99,200 |
| Lexington City | $354,128 | +2.4% | 0.81% | $2,321 | $99,500 |
| King William County | $352,179 | +3.0% | 0.55% | $2,232 | $95,700 |
| Winchester City | $351,816 | +1.4% | 0.76% | $2,291 | $98,200 |
| Bedford County | $351,809 | +4.2% | 0.43% | $2,196 | $94,100 |
| Mathews County | $349,114 | +1.5% | 0.43% | $2,178 | $93,300 |
| Shenandoah County | $340,191 | +2.4% | 0.52% | $2,148 | $92,000 |
| Montgomery County | $338,166 | +2.1% | 0.74% | $2,197 | $94,200 |
| Roanoke County | $335,201 | +3.2% | 0.85% | $2,209 | $94,700 |
| Rockbridge County | $332,256 | +4.2% | 0.6% | $2,120 | $90,900 |
| Amelia County | $331,000 | +5.4% | 0.38% | $2,052 | $88,000 |
| Harrisonburg City | $327,726 | +3.0% | 0.76% | $2,136 | $91,500 |
| Botetourt County | $314,985 | +4.5% | 0.64% | $2,022 | $86,600 |
| Norfolk City | $310,877 | +1.5% | 1% | $2,087 | $89,400 |
| Page County | $310,702 | +4.7% | 0.64% | $1,994 | $85,400 |
| Northampton County | $309,419 | +5.0% | 0.57% | $1,967 | $84,300 |
| Westmoreland County | $309,231 | -0.1% | 0.6% | $1,974 | $84,600 |
| Dinwiddie County | $300,969 | +5.4% | 0.55% | $1,907 | $81,700 |
| King and Queen County | $299,161 | +5.6% | 0.52% | $1,890 | $81,000 |
| Essex County | $296,194 | +2.9% | 0.57% | $1,882 | $80,700 |
| Waynesboro City | $293,551 | +2.0% | 0.67% | $1,890 | $81,000 |
| Newport News City | $291,426 | +2.8% | 1.01% | $1,960 | $84,000 |
| Salem City | $290,648 | +3.8% | 0.9% | $1,926 | $82,600 |
| Appomattox County | $289,196 | +7.8% | 0.52% | $1,826 | $78,200 |
| Cumberland County | $288,159 | +9.4% | 0.57% | $1,831 | $78,500 |
| Staunton City | $288,132 | +3.8% | 0.7% | $1,863 | $79,800 |
| Highland County | $283,985 | +3.4% | 0.57% | $1,805 | $77,300 |
| Colonial Heights City | $280,370 | +0.5% | 0.84% | $1,845 | $79,100 |
| Surry County | $279,671 | +1.4% | 0.69% | $1,806 | $77,400 |
| Hampton City | $279,270 | +2.5% | 0.95% | $1,863 | $79,800 |
| Southampton County | $273,820 | +2.4% | 0.66% | $1,760 | $75,400 |
| Floyd County | $273,743 | +11.5% | 0.55% | $1,736 | $74,400 |
| Charles City County | $273,657 | +0.0% | 0.56% | $1,736 | $74,400 |
| Campbell County | $273,460 | +2.2% | 0.45% | $1,711 | $73,300 |
| Portsmouth City | $266,486 | +2.5% | 1.04% | $1,797 | $77,000 |
| Radford City | $265,800 | +3.5% | 0.72% | $1,722 | $73,800 |
| Amherst County | $262,078 | +1.9% | 0.46% | $1,642 | $70,400 |
| Washington County | $258,078 | +2.5% | 0.5% | $1,625 | $69,600 |
| Buckingham County | $247,828 | +2.8% | 0.52% | $1,566 | $67,100 |
| Accomack County | $245,873 | +1.3% | 0.48% | $1,545 | $66,200 |
| Prince Edward County | $244,569 | +7.3% | 0.43% | $1,525 | $65,400 |
| Richmond County | $244,453 | +3.2% | 0.56% | $1,551 | $66,500 |
| Lynchburg City | $243,511 | +0.2% | 0.79% | $1,592 | $68,200 |
| Craig County | $241,906 | +7.3% | 0.56% | $1,536 | $65,800 |
| Franklin City | $235,735 | +2.4% | 0.71% | $1,526 | $65,400 |
| Pulaski County | $226,254 | +4.9% | 0.63% | $1,449 | $62,100 |
| Roanoke City | $219,673 | +0.6% | 0.99% | $1,474 | $63,200 |
| Bath County | $219,212 | +7.3% | 0.39% | $1,360 | $58,300 |
| Hopewell City | $215,859 | +2.2% | 0.86% | $1,425 | $61,100 |
| Wythe County | $210,800 | +2.3% | 0.53% | $1,332 | $57,100 |
| Mecklenburg County | $209,597 | +3.6% | 0.45% | $1,311 | $56,200 |
| Grayson County | $207,245 | +5.5% | 0.56% | $1,316 | $56,400 |
| Giles County | $206,518 | +8.6% | 0.61% | $1,320 | $56,600 |
| Charlotte County | $198,283 | +11.7% | 0.52% | $1,253 | $53,700 |
| Petersburg City | $196,761 | +1.2% | 0.81% | $1,289 | $55,300 |
| Nottoway County | $195,140 | +7.3% | 0.45% | $1,222 | $52,400 |
| Pittsylvania County | $193,773 | +2.2% | 0.59% | $1,235 | $52,900 |
| Patrick County | $192,865 | +2.5% | 0.55% | $1,223 | $52,400 |
| Buena Vista City | $190,494 | +3.6% | 0.91% | $1,265 | $54,200 |
| Alleghany County | $187,513 | +3.1% | 0.79% | $1,227 | $52,600 |
| Carroll County | $185,932 | +6.2% | 0.53% | $1,176 | $50,400 |
| Sussex County | $183,564 | +6.3% | 0.59% | $1,169 | $50,100 |
| Bland County | $181,272 | +8.9% | 0.56% | $1,150 | $49,300 |
| Galax City | $180,866 | +7.0% | 0.76% | $1,178 | $50,500 |
| Bristol City | $177,856 | -3.0% | 0.75% | $1,158 | $49,600 |
| Scott County | $168,070 | +3.5% | 0.62% | $1,075 | $46,100 |
| Greensville County | $163,665 | +2.2% | 0.54% | $1,036 | $44,400 |
| Smyth County | $163,239 | +4.5% | 0.58% | $1,039 | $44,500 |
| Brunswick County | $152,538 | +6.0% | 0.57% | $970 | $41,600 |
| Emporia City | $151,757 | +6.1% | 0.79% | $992 | $42,500 |
| Halifax County | $151,216 | +9.6% | 0.46% | $948 | $40,600 |
| Tazewell County | $144,973 | +3.6% | 0.62% | $927 | $39,700 |
| Lunenburg County | $143,388 | -1.3% | 0.39% | $889 | $38,100 |
| Russell County | $143,358 | +3.8% | 0.48% | $900 | $38,600 |
| Henry County | $141,597 | -4.1% | 0.47% | $889 | $38,100 |
| Wise County | $135,234 | +0.9% | 0.58% | $861 | $36,900 |
| Danville City | $133,231 | -1.0% | 0.65% | $856 | $36,700 |
| Norton City | $130,808 | -4.7% | 0.73% | $849 | $36,400 |
| Lee County | $116,115 | +9.4% | 0.6% | $741 | $31,800 |
| Covington City | $116,111 | +8.2% | 0.82% | $762 | $32,700 |
| Dickenson County | $115,970 | +14.6% | 0.47% | $727 | $31,200 |
| Martinsville City | $110,817 | -5.9% | 0.77% | $723 | $31,000 |
| Buchanan County | $76,546 | -3.8% | 0.44% | $478 | $20,500 |
Metro areas in Virginia
Frequently asked questions
What is the average home price in Virginia?
The typical home in Virginia is worth $412,252 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Virginia?
About $114,400 a year to buy the typical $412,252 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Virginia?
The typical effective rate is 0.71% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).