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Learn about the people, housing, costs and businesses in Cluster Springs, Virginia
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Cluster Springs.
True all-in cost — P&I, taxes, insurance & utilities for homes in Cluster Springs.
Find and compare lenders active near Cluster Springs.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Cluster Springs.
Seismic risk and earthquake insurance estimates for Cluster Springs.
Wildfire exposure and insurance estimates for Cluster Springs.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Cluster Springs is approximately 6.955% (6.993% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Cluster SpringsThe median home value in Cluster Springs is $148k. The median monthly rent is $784. Annual property taxes average $731. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Cluster Springs have increased 37.4% 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 $764/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $33k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Cluster Springs is $58k/year.
Calculate your buying powerThe largest employment sectors in Cluster Springs are information and media (15%) and finance and insurance (15%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.