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Virginia Mortgage Calculator

Estimate your true cost of homeownership in Virginia with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$3,277
P&I Payment$2,664
Taxes & Ins$420
Utilities$193
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Mortgage Details

$509,223
Local Median: $509,223
$101,845 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$3,277

Monthly Breakdown

Principal & Interest
$2,664
Property Taxes
$298
Homeowners Ins.
$122
Utilities
$193

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$551,545

Local Housing Facts for Virginia

  • ·Median home value: $509,223 (adjusted for current market conditions)
  • ·Est. property taxes: $3,574/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,461/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,320/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Virginia?

Based on the local median home value, estimated real estate property taxes in Virginia are around $3,574 per year.

What is the average home price in Virginia?

The median home value in Virginia is currently estimated at $509,223.

How much does homeowners insurance cost in Virginia?

For a median priced home, homeowners insurance in Virginia averages around $1,461 annually.

What is the true total cost of owning a home in Virginia?

True homeownership costs go beyond principal and interest. In Virginia, a typical homeowner with a median-priced home of $509,223 can expect to pay roughly $3,574/yr in property taxes, $1,461/yr for homeowners insurance, and $2,320/yr in energy utilities. That adds approximately $613 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.