Total monthly cost of ownership
Cost to Own a Home in Stanley, Virginia
A $197,000 home here costs
$1,565per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,013. The real number is $552 higher every month — 55% 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.
Stanley against Page County and Virginia
| Measure | Stanley | Page County |
|---|---|---|
| Median home value | $197,100 | $221,800 |
| Median property tax | $1,358 | $1,489 |
| Effective tax rate | 0.689% | 0.671% |
| Median gross rent | $800 | $851 |
| Population | 1,976 | 23,750 |
The weather behind that power bill
Stanley sits in Page County, which averages a high of 85.4°F in its hottest month and a low of 23.0°F in its coldest, with 44.15" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 857 cooling and 4,825 heating degree days, which is what sets the $158 electricity line above.
See the full climate breakdown for Page County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Page County
Common questions
How much does it cost to own a home in Stanley?
A $197,000 home in Stanley, Virginia costs approximately $1,565 per month with 20% down at 6.66%. That is $1,013 principal and interest, $113 property tax, $48 homeowners insurance, $226 utilities and $164 set aside for maintenance.
What is the property tax rate in Stanley?
Stanley has an effective property tax rate of 0.689%, based on a median home value of $197,100 and median real estate taxes of $1,358. That is higher than the Page County average of 0.671%.
What is the average home price in Stanley?
The median owner-occupied home value in Stanley, Virginia is $197,100, against $221,800 across Page County.
Is it cheaper to rent or buy in Stanley?
Median gross rent in Stanley is $800 a month, against $1,565 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 Stanley — 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.