Total monthly cost of ownership
Cost to Own a Home in Aquia Harbour, Virginia
A $445,000 home here costs
$3,263per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,288. The real number is $975 higher every month — 43% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Aquia Harbour against Stafford County and Virginia
| Measure | Aquia Harbour | Stafford County |
|---|---|---|
| Median home value | $444,700 | $458,800 |
| Median property tax | $3,225 | $3,301 |
| Effective tax rate | 0.725% | 0.719% |
| Median gross rent | $2,660 | $1,925 |
| Population | 6,917 | 160,520 |
The weather behind that power bill
Aquia Harbour sits in Stafford County, which averages a high of 88.0°F in its hottest month and a low of 28.3°F in its coldest, with 41.03" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,512 cooling and 4,002 heating degree days, which is what sets the $158 electricity line above.
See the full climate breakdown for Stafford County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Stafford County
Full Stafford County cost breakdown · Every county in Virginia
Common questions
How much does it cost to own a home in Aquia Harbour?
A $445,000 home in Aquia Harbour, Virginia costs approximately $3,263 per month with 20% down at 6.66%. That is $2,288 principal and interest, $269 property tax, $109 homeowners insurance, $226 utilities and $371 set aside for maintenance.
What is the property tax rate in Aquia Harbour?
Aquia Harbour has an effective property tax rate of 0.725%, based on a median home value of $444,700 and median real estate taxes of $3,225. That is in line with the Stafford County average of 0.719%.
What is the average home price in Aquia Harbour?
The median owner-occupied home value in Aquia Harbour, Virginia is $444,700, against $458,800 across Stafford County.
Is it cheaper to rent or buy in Aquia Harbour?
Median gross rent in Aquia Harbour is $2,660 a month, against $3,263 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Aquia Harbour — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Virginia.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.