Total monthly cost of ownership
Cost to Own a Home in Earlysville, Virginia
A $415,000 home here costs
$3,062per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,134. The real number is $928 higher every month — 44% 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.
Earlysville against Albemarle County and Virginia
| Measure | Earlysville | Albemarle County |
|---|---|---|
| Median home value | $414,600 | $471,000 |
| Median property tax | $3,047 | $3,482 |
| Effective tax rate | 0.735% | 0.739% |
| Median gross rent | — | $1,623 |
| Population | 1,217 | 113,683 |
The weather behind that power bill
Earlysville sits in Albemarle County, which averages a high of 87.4°F in its hottest month and a low of 27.7°F in its coldest, with 48.53" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,341 cooling and 4,109 heating degree days, which is what sets the $158 electricity line above.
See the full climate breakdown for Albemarle County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Albemarle County
Full Albemarle County cost breakdown · Every county in Virginia
Common questions
How much does it cost to own a home in Earlysville?
A $415,000 home in Earlysville, Virginia costs approximately $3,062 per month with 20% down at 6.66%. That is $2,134 principal and interest, $254 property tax, $102 homeowners insurance, $226 utilities and $346 set aside for maintenance.
What is the property tax rate in Earlysville?
Earlysville has an effective property tax rate of 0.735%, based on a median home value of $414,600 and median real estate taxes of $3,047. That is in line with the Albemarle County average of 0.739%.
What is the average home price in Earlysville?
The median owner-occupied home value in Earlysville, Virginia is $414,600, against $471,000 across Albemarle County.
Is it cheaper to rent or buy in Earlysville?
Rent data is not published for Earlysville at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Earlysville — 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.