Total monthly cost of ownership
Cost to Own a Home in Woodstock, Virginia
A $248,000 home here costs
$1,886per 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 $611 higher every month — 48% 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.
Woodstock against Shenandoah County and Virginia
| Measure | Woodstock | Shenandoah County |
|---|---|---|
| Median home value | $248,300 | $265,800 |
| Median property tax | $1,405 | $1,451 |
| Effective tax rate | 0.566% | 0.546% |
| Median gross rent | $941 | $968 |
| Population | 5,851 | 44,630 |
The weather behind that power bill
Woodstock sits in Shenandoah County, which averages a high of 85.4°F in its hottest month and a low of 21.3°F in its coldest, with 37.16" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 807 cooling and 5,219 heating degree days, which is what sets the $158 electricity line above.
See the full climate breakdown for Shenandoah County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Shenandoah County
Full Shenandoah County cost breakdown · Every county in Virginia
Common questions
How much does it cost to own a home in Woodstock?
A $248,000 home in Woodstock, Virginia costs approximately $1,886 per month with 20% down at 6.66%. That is $1,275 principal and interest, $117 property tax, $61 homeowners insurance, $226 utilities and $207 set aside for maintenance.
What is the property tax rate in Woodstock?
Woodstock has an effective property tax rate of 0.566%, based on a median home value of $248,300 and median real estate taxes of $1,405. That is higher than the Shenandoah County average of 0.546%.
What is the average home price in Woodstock?
The median owner-occupied home value in Woodstock, Virginia is $248,300, against $265,800 across Shenandoah County.
Is it cheaper to rent or buy in Woodstock?
Median gross rent in Woodstock is $941 a month, against $1,886 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 Woodstock — 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.