Total monthly cost of ownership
Cost to Own a Home in Culpeper, Virginia
A $366,000 home here costs
$2,686per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,882. The real number is $805 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.
Culpeper against Culpeper County and Virginia
| Measure | Culpeper | Culpeper County |
|---|---|---|
| Median home value | $366,300 | $386,400 |
| Median property tax | $2,202 | $2,119 |
| Effective tax rate | 0.601% | 0.548% |
| Median gross rent | $1,408 | $1,417 |
| Population | 20,437 | 53,563 |
The weather behind that power bill
Culpeper sits in Culpeper 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 Culpeper County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Culpeper County
No other places of this size are published in Culpeper County.
Full Culpeper County cost breakdown · Every county in Virginia
Common questions
How much does it cost to own a home in Culpeper?
A $366,000 home in Culpeper, Virginia costs approximately $2,686 per month with 20% down at 6.66%. That is $1,882 principal and interest, $183 property tax, $90 homeowners insurance, $226 utilities and $305 set aside for maintenance.
What is the property tax rate in Culpeper?
Culpeper has an effective property tax rate of 0.601%, based on a median home value of $366,300 and median real estate taxes of $2,202. That is higher than the Culpeper County average of 0.548%.
What is the average home price in Culpeper?
The median owner-occupied home value in Culpeper, Virginia is $366,300, against $386,400 across Culpeper County.
Is it cheaper to rent or buy in Culpeper?
Median gross rent in Culpeper is $1,408 a month, against $2,686 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 Culpeper — 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.