Total monthly cost of ownership
Cost to Own a Home in Berryville, Virginia
A $538,000 home here costs
$3,819per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,766. The real number is $1,053 higher every month — 38% 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.
Berryville against Clarke County and Virginia
| Measure | Berryville | Clarke County |
|---|---|---|
| Median home value | $537,700 | $538,900 |
| Median property tax | $2,955 | $2,757 |
| Effective tax rate | 0.550% | 0.512% |
| Median gross rent | $1,328 | $1,360 |
| Population | 4,667 | 15,060 |
The weather behind that power bill
Berryville sits in Clarke County, which averages a high of 86.9°F in its hottest month and a low of 23.5°F in its coldest, with 38.97" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 1,013 cooling and 4,947 heating degree days, which is what sets the $158 electricity line above.
See the full climate breakdown for Clarke County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clarke County
No other places of this size are published in Clarke County.
Full Clarke County cost breakdown · Every county in Virginia
Common questions
How much does it cost to own a home in Berryville?
A $538,000 home in Berryville, Virginia costs approximately $3,819 per month with 20% down at 6.66%. That is $2,766 principal and interest, $247 property tax, $132 homeowners insurance, $226 utilities and $448 set aside for maintenance.
What is the property tax rate in Berryville?
Berryville has an effective property tax rate of 0.550%, based on a median home value of $537,700 and median real estate taxes of $2,955. That is higher than the Clarke County average of 0.512%.
What is the average home price in Berryville?
The median owner-occupied home value in Berryville, Virginia is $537,700, against $538,900 across Clarke County.
Is it cheaper to rent or buy in Berryville?
Median gross rent in Berryville is $1,328 a month, against $3,819 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 Berryville — 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.