Total monthly cost of ownership
Cost to Own a Home in Windsor, Virginia
A $248,000 home here costs
$1,943per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,275. The real number is $668 higher every month — 52% 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.
Windsor against Isle of Wight County and Virginia
| Measure | Windsor | Isle of Wight County |
|---|---|---|
| Median home value | $248,200 | $333,600 |
| Median property tax | $2,092 | $2,399 |
| Effective tax rate | 0.843% | 0.719% |
| Median gross rent | $1,032 | $1,313 |
| Population | 2,808 | 39,444 |
The weather behind that power bill
Windsor sits in Isle of Wight County, which averages a high of 89.7°F in its hottest month and a low of 29.5°F in its coldest, with 49.69" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 1,592 cooling and 3,557 heating degree days, which is what sets the $158 electricity line above.
See the full climate breakdown for Isle of Wight County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Isle of Wight County
Full Isle of Wight County cost breakdown · Every county in Virginia
Common questions
How much does it cost to own a home in Windsor?
A $248,000 home in Windsor, Virginia costs approximately $1,943 per month with 20% down at 6.66%. That is $1,275 principal and interest, $174 property tax, $61 homeowners insurance, $226 utilities and $207 set aside for maintenance.
What is the property tax rate in Windsor?
Windsor has an effective property tax rate of 0.843%, based on a median home value of $248,200 and median real estate taxes of $2,092. That is higher than the Isle of Wight County average of 0.719%.
What is the average home price in Windsor?
The median owner-occupied home value in Windsor, Virginia is $248,200, against $333,600 across Isle of Wight County.
Is it cheaper to rent or buy in Windsor?
Median gross rent in Windsor is $1,032 a month, against $1,943 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 Windsor — 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.