Total monthly cost of ownership
Cost to Own a Home in Ruckersville, Virginia
A $376,000 home here costs
$2,752per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,933. The real number is $819 higher every month — 42% 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.
Ruckersville against Greene County and Virginia
| Measure | Ruckersville | Greene County |
|---|---|---|
| Median home value | $376,300 | $315,300 |
| Median property tax | $2,239 | $2,009 |
| Effective tax rate | 0.595% | 0.637% |
| Median gross rent | $1,659 | $1,502 |
| Population | 1,314 | 20,850 |
The weather behind that power bill
Ruckersville sits in Greene County, which averages a high of 89.7°F in its hottest month and a low of 29.5°F in its coldest, with 41.61" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 1,497 cooling and 3,767 heating degree days, which is what sets the $158 electricity line above.
See the full climate breakdown for Greene County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Greene County
Full Greene County cost breakdown · Every county in Virginia
Common questions
How much does it cost to own a home in Ruckersville?
A $376,000 home in Ruckersville, Virginia costs approximately $2,752 per month with 20% down at 6.66%. That is $1,933 principal and interest, $186 property tax, $92 homeowners insurance, $226 utilities and $313 set aside for maintenance.
What is the property tax rate in Ruckersville?
Ruckersville has an effective property tax rate of 0.595%, based on a median home value of $376,300 and median real estate taxes of $2,239. That is lower than the Greene County average of 0.637%.
What is the average home price in Ruckersville?
The median owner-occupied home value in Ruckersville, Virginia is $376,300, against $315,300 across Greene County.
Is it cheaper to rent or buy in Ruckersville?
Median gross rent in Ruckersville is $1,659 a month, against $2,752 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 Ruckersville — 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.