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FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Charlottesville.
Estimate payments for homes in Charlottesville.
People, housing & businesses in Charlottesville.
Find and compare lenders active near Charlottesville.
Homeowners, flood & wildfire estimates for Charlottesville.
Income, rent and all-in ownership costs for Charlottesville.
FEMA flood zones and flood insurance estimates for Charlottesville.
Seismic risk and earthquake insurance estimates for Charlottesville.
Wildfire exposure and insurance estimates for Charlottesville.
Mortgage rates for Charlottesville are updated daily on Safe Rate using live investor pricing. Rates depend on your credit score, loan type (Conventional, FHA, VA, Jumbo), and down payment. A 30-year fixed rate is the most common product for home purchases.
View current rates for CharlottesvilleThe median home value in Charlottesville is $454k. The median monthly rent is $1,515. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Charlottesville have increased 15.8% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,591/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $68k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Charlottesville is $99k/year.
Calculate your buying powerThe largest employment sectors in Charlottesville are public administration (34%) and healthcare (16%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.