Total monthly cost of ownership
Cost to Own a Home in Front Royal, Virginia
A $285,000 home here costs
$2,247per 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 $96,500 a year.
A standard mortgage calculator would have told you $1,554. The real number is $693 higher every month, 45% more than the payment most buyers budget for.
Compare Warren County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Front Royal against Warren County and Virginia
| Measure | Front Royal | Warren County |
|---|---|---|
| Median home value | $284,900 | $315,800 |
| Median property tax | $1,624 | $1,850 |
| Effective tax rate | 0.570% | 0.586% |
| Median gross rent | $1,133 | $1,199 |
| Population | 15,152 | 41,104 |
The weather behind that power bill
Front Royal sits in Warren County, which averages a high of 86.7°F in its hottest month and a low of 24.1°F in its coldest, with 43.37" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,013 cooling and 4,740 heating degree days, which is what sets the $182 electricity line above.
See the full climate breakdown for Warren County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Warren County
Full Warren County cost breakdown · Every county in Virginia
Talk to someone who works this market
These are Front Royal 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 Front Royal every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Front Royal I already own here and may sell
Common questions
How much does it cost to own a home in Front Royal?
A $285,000 home in Front Royal, Virginia costs approximately $2,247 per month with 20% down at 7.24%. That is $1,554 principal and interest, $135 property tax, $70 homeowners insurance, $250 utilities and $238 set aside for maintenance.
What is the property tax rate in Front Royal?
Front Royal has an effective property tax rate of 0.570%, based on a median home value of $284,900 and median real estate taxes of $1,624. That is lower than the Warren County average of 0.586%.
What is the average home price in Front Royal?
The median owner-occupied home value in Front Royal, Virginia is $284,900, against $315,800 across Warren County.
Is it cheaper to rent or buy in Front Royal?
Median gross rent in Front Royal is $1,133 a month, against $2,247 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Front Royal?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Front Royal, Virginia at today's rate takes a household income of roughly $96,500 a year. That covers the full $2,247 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Front Royal, 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.