Total monthly cost of ownership
Cost to Own a Home in Union Mill, Virginia
A $942,000 home here costs
$6,919per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $4,843. The real number is $2,076 higher every month — 43% 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.
Union Mill against Fairfax County and Virginia
| Measure | Union Mill | Fairfax County |
|---|---|---|
| Median home value | $942,400 | $699,700 |
| Median property tax | $10,001 | $7,072 |
| Effective tax rate | 1.061% | 1.011% |
| Median gross rent | $2,581 | $2,230 |
| Population | 4,351 | 1,144,474 |
The weather behind that power bill
Union Mill sits in Fairfax County, which averages a high of 83.8°F in its hottest month and a low of 23.4°F in its coldest, with 43.57" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 964 cooling and 4,931 heating degree days, which is what sets the $158 electricity line above.
See the full climate breakdown for Fairfax County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fairfax County
Full Fairfax County cost breakdown · Every county in Virginia
Common questions
How much does it cost to own a home in Union Mill?
A $942,000 home in Union Mill, Virginia costs approximately $6,919 per month with 20% down at 6.66%. That is $4,843 principal and interest, $833 property tax, $232 homeowners insurance, $226 utilities and $785 set aside for maintenance.
What is the property tax rate in Union Mill?
Union Mill has an effective property tax rate of 1.061%, based on a median home value of $942,400 and median real estate taxes of $10,001. That is higher than the Fairfax County average of 1.011%.
What is the average home price in Union Mill?
The median owner-occupied home value in Union Mill, Virginia is $942,400, against $699,700 across Fairfax County.
Is it cheaper to rent or buy in Union Mill?
Median gross rent in Union Mill is $2,581 a month, against $6,919 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 Union Mill — 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.