Total monthly cost of ownership
Cost to Own a Home in Earlysville, Virginia
A $415,000 home here costs
$3,215per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $138,000 a year.
A standard mortgage calculator would have told you $2,263. The real number is $952 higher every month, 42% more than the payment most buyers budget for.
Compare Albemarle County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Earlysville from a five-year rolling sample, and with about 1,217 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Albemarle County figures are drawn from a far larger sample if you want a steadier number.
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 $182 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
Talk to someone who works this market
These are Earlysville averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Earlysville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Earlysville I already own here and may sell
Common questions
How much does it cost to own a home in Earlysville?
A $415,000 home in Earlysville, Virginia costs approximately $3,215 per month with 20% down at 7.24%. That is $2,263 principal and interest, $254 property tax, $102 homeowners insurance, $250 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.
What salary do you need to buy a home in Earlysville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Earlysville, Virginia at today's rate takes a household income of roughly $138,000 a year. That covers the full $3,215 monthly cost, not just the mortgage payment.
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.