Total monthly cost of ownership
Cost to Own a Home in Stafford Courthouse, Virginia
A $565,000 home here costs
$3,991per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,905. The real number is $1,086 higher every month — 37% 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.
Stafford Courthouse against Stafford County and Virginia
| Measure | Stafford Courthouse | Stafford County |
|---|---|---|
| Median home value | $564,800 | $458,800 |
| Median property tax | $2,997 | $3,301 |
| Effective tax rate | 0.531% | 0.719% |
| Median gross rent | $1,947 | $1,925 |
| Population | 5,780 | 160,520 |
The weather behind that power bill
Stafford Courthouse sits in Stafford 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 Stafford County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Stafford County
Full Stafford County cost breakdown · Every county in Virginia
Common questions
How much does it cost to own a home in Stafford Courthouse?
A $565,000 home in Stafford Courthouse, Virginia costs approximately $3,991 per month with 20% down at 6.66%. That is $2,905 principal and interest, $250 property tax, $139 homeowners insurance, $226 utilities and $471 set aside for maintenance.
What is the property tax rate in Stafford Courthouse?
Stafford Courthouse has an effective property tax rate of 0.531%, based on a median home value of $564,800 and median real estate taxes of $2,997. That is lower than the Stafford County average of 0.719%.
What is the average home price in Stafford Courthouse?
The median owner-occupied home value in Stafford Courthouse, Virginia is $564,800, against $458,800 across Stafford County.
Is it cheaper to rent or buy in Stafford Courthouse?
Median gross rent in Stafford Courthouse is $1,947 a month, against $3,991 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 Stafford Courthouse — 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.