Virginia (VA) · South Real Estate Profile
Virginia Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Virginia. In Virginia, the effective statewide property tax rate averages 0.82% and homeowners insurance averages 0.45% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax0.82%
Homeowners Insurance0.45%
Median Home Price$395,000
Conforming Loan Limit$766,550
Property Tax Context for Virginia: At 0.82%, a median-priced home of $395,000 pays roughly $3,239 per year in property taxes ($270/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Virginia Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Virginia residents.
Monthly Payment Benchmarks in Virginia (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | VA Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $128/mo | $1,147/mo | $49,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $214/mo | $1,911/mo | $82,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $299/mo | $2,675/mo | $115,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $384/mo | $3,440/mo | $147,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $470/mo | $4,204/mo | $180,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $641/mo | $5,733/mo | $246,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $854/mo | $7,644/mo | $328,000/yr | View schedule → |
Browse all 25 loan amounts in Virginia
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in VA$764/mo$150k in VA$1,147/mo$200k in VA$1,529/mo$250k in VA$1,911/mo$300k in VA$2,293/mo$350k in VA$2,675/mo$400k in VA$3,057/mo$450k in VA$3,440/mo$500k in VA$3,822/mo$550k in VA$4,204/mo$600k in VA$4,586/mo$650k in VA$4,968/mo$700k in VA$5,351/mo$750k in VA$5,733/mo$800k in VA$6,115/mo$850k in VA$6,497/mo$900k in VA$6,879/mo$950k in VA$7,261/mo$1 million in VA$7,644/mo$1.1 million in VA$8,408/mo$1.2 million in VA$9,172/mo$1.3 million in VA$9,937/mo$1.4 million in VA$10,701/mo$1.5 million in VA$11,465/mo$2 million in VA$15,287/mo
Explore neighboring South states
Compare mortgage payment benchmarks and property taxes across neighboring South jurisdictions:
Alabama (0.40% tax)View guide →Arkansas (0.62% tax)View guide →District of Columbia (0.57% tax)View guide →Florida (0.86% tax)View guide →Georgia (0.88% tax)View guide →Kentucky (0.83% tax)View guide →
Closing Costs & Transfer Tax in Virginia
State recordation tax is $0.25 per $100; state grantor tax is $0.50 per $500; cities and counties may add local recordation fees.