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Learn about the people, housing, costs and businesses in James City County County
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FHA, VA, Conventional & Jumbo · Purchase & Refi rates in James City County.
Estimate payments for homes in James City County.
People, housing & businesses in James City County.
Find and compare lenders active near James City County.
Homeowners, flood & wildfire estimates for James City County.
Income, rent and all-in ownership costs for James City County.
FEMA flood zones and flood insurance estimates for James City County.
Seismic risk and earthquake insurance estimates for James City County.
Wildfire exposure and insurance estimates for James City County.
As of today, the 30-year fixed mortgage rate for James City County is approximately 6.950% (6.974% 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 James City CountyThe median home value in James City County is $454k. The median monthly rent is $1,669. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in James City County have increased 20.5% 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 $1,686/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $72k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in James City County is $113k/year.
Calculate your buying powerThe largest employment sectors in James City County are public administration (24%) and healthcare (15%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.
Adjacent counties and areas