Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Virginia
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Virginia ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Buchanan County | $381 | $91,400 | 0.442% |
| 2 | Covington city | $388 | $80,200 | 0.784% |
| 3 | Dickenson County | $400 | $101,100 | 0.498% |
| 4 | Lee County | $404 | $98,700 | 0.594% |
| 5 | Martinsville city | $411 | $92,500 | 0.806% |
| 6 | Norton city | $423 | $100,700 | 0.782% |
| 7 | Henry County | $429 | $120,300 | 0.502% |
| 8 | Wise County | $430 | $116,500 | 0.565% |
| 9 | Danville city | $430 | $110,200 | 0.674% |
| 10 | Russell County | $432 | $119,600 | 0.538% |
| 11 | Tazewell County | $434 | $116,100 | 0.618% |
| 12 | Smyth County | $449 | $125,800 | 0.609% |
| 13 | Scott County | $450 | $122,300 | 0.675% |
| 14 | Brunswick County | $452 | $132,700 | 0.541% |
| 15 | Lunenburg County | $459 | $145,500 | 0.436% |
| 16 | Grayson County | $460 | $132,300 | 0.620% |
| 17 | Alleghany County | $465 | $122,300 | 0.827% |
| 18 | Charlotte County | $466 | $144,000 | 0.513% |
| 19 | Galax city | $466 | $126,800 | 0.759% |
| 20 | Halifax County | $471 | $148,900 | 0.490% |
| 21 | Emporia city | $473 | $131,100 | 0.755% |
| 22 | Carroll County | $476 | $144,200 | 0.597% |
| 23 | Patrick County | $478 | $146,500 | 0.581% |
| 24 | Giles County | $480 | $143,500 | 0.632% |
| 25 | Pittsylvania County | $490 | $153,000 | 0.593% |
| 26 | Bland County | $491 | $157,100 | 0.553% |
| 27 | Greensville County | $499 | $159,200 | 0.588% |
| 28 | Mecklenburg County | $501 | $169,400 | 0.488% |
| 29 | Buckingham County | $503 | $167,800 | 0.521% |
| 30 | Wythe County | $506 | $172,100 | 0.494% |
| 31 | Nottoway County | $506 | $179,800 | 0.420% |
| 32 | Sussex County | $522 | $178,500 | 0.541% |
| 33 | Buena Vista city | $535 | $153,500 | 0.941% |
| 34 | Appomattox County | $537 | $189,200 | 0.532% |
| 35 | Prince Edward County | $537 | $203,700 | 0.403% |
| 36 | Accomack County | $538 | $193,100 | 0.498% |
| 37 | Bristol city | $539 | $168,700 | 0.767% |
| 38 | Campbell County | $540 | $199,200 | 0.458% |
| 39 | Petersburg city | $540 | $157,900 | 0.918% |
| 40 | Bath County | $541 | $206,000 | 0.405% |
| 41 | Pulaski County | $544 | $182,500 | 0.644% |
| 42 | Amherst County | $545 | $197,200 | 0.506% |
| 43 | Highland County | $552 | $195,700 | 0.564% |
| 44 | Washington County | $553 | $201,800 | 0.514% |
| 45 | Craig County | $556 | $210,500 | 0.455% |
| 46 | Hopewell city | $561 | $165,100 | 0.969% |
| 47 | Floyd County | $575 | $215,500 | 0.521% |
| 48 | Richmond County | $579 | $214,200 | 0.555% |
| 49 | Franklin County | $589 | $222,800 | 0.533% |
| 50 | Southampton County | $589 | $208,800 | 0.661% |
| 51 | Amelia County | $594 | $239,700 | 0.431% |
| 52 | Roanoke city | $596 | $180,500 | 1.013% |
| 53 | Radford city | $602 | $211,700 | 0.703% |
| 54 | Cumberland County | $603 | $220,100 | 0.635% |
| 55 | Charles City County | $604 | $224,100 | 0.604% |
| 56 | Essex County | $605 | $228,600 | 0.574% |
| 57 | Page County | $612 | $221,800 | 0.671% |
| 58 | King and Queen County | $614 | $240,900 | 0.523% |
| 59 | Lynchburg city | $626 | $211,800 | 0.839% |
| 60 | Surry County | $626 | $235,200 | 0.627% |
| 61 | Rockbridge County | $626 | $238,700 | 0.600% |
| 62 | Franklin city | $634 | $227,200 | 0.738% |
| 63 | Waynesboro city | $636 | $236,600 | 0.667% |
| 64 | Westmoreland County | $638 | $244,000 | 0.617% |
| 65 | Dinwiddie County | $638 | $246,100 | 0.601% |
| 66 | Staunton city | $649 | $239,300 | 0.709% |
| 67 | Bedford County | $653 | $276,600 | 0.457% |
| 68 | Shenandoah County | $657 | $265,800 | 0.546% |
| 69 | Augusta County | $668 | $281,400 | 0.490% |
| 70 | Colonial Heights city | $676 | $231,700 | 0.918% |
| 71 | Nelson County | $681 | $283,000 | 0.536% |
| 72 | Botetourt County | $686 | $268,900 | 0.655% |
| 73 | Caroline County | $687 | $283,100 | 0.560% |
| 74 | Rockingham County | $687 | $287,900 | 0.532% |
| 75 | Hampton city | $690 | $234,100 | 0.965% |
| 76 | Northampton County | $691 | $279,100 | 0.605% |
| 77 | King William County | $692 | $276,500 | 0.627% |
| 78 | Louisa County | $695 | $275,600 | 0.646% |
| 79 | Salem city | $699 | $244,800 | 0.912% |
| 80 | Portsmouth city | $701 | $229,400 | 1.069% |
| 81 | Gloucester County | $704 | $289,200 | 0.594% |
| 82 | Fluvanna County | $706 | $281,700 | 0.651% |
| 83 | Lancaster County | $707 | $307,600 | 0.490% |
| 84 | Prince George County | $713 | $268,300 | 0.782% |
| 85 | Middlesex County | $714 | $299,800 | 0.564% |
| 86 | Newport News city | $721 | $243,300 | 1.030% |
| 87 | Harrisonburg city | $730 | $278,200 | 0.781% |
| 88 | Roanoke County | $732 | $267,300 | 0.875% |
| 89 | Montgomery County | $736 | $283,600 | 0.767% |
| 90 | Northumberland County | $742 | $333,100 | 0.481% |
| 91 | Warren County | $744 | $315,800 | 0.586% |
| 92 | Lexington city | $744 | $275,300 | 0.864% |
| 93 | Mathews County | $748 | $348,800 | 0.423% |
| 94 | Greene County | $757 | $315,300 | 0.637% |
| 95 | Norfolk city | $771 | $271,900 | 1.007% |
| 96 | Madison County | $771 | $331,400 | 0.594% |
| 97 | Frederick County | $783 | $355,000 | 0.509% |
| 98 | Orange County | $784 | $337,300 | 0.607% |
| 99 | Isle of Wight County | $809 | $333,600 | 0.719% |
| 100 | Winchester city | $810 | $325,900 | 0.769% |
| 101 | Henrico County | $810 | $333,600 | 0.724% |
| 102 | Chesterfield County | $832 | $336,700 | 0.783% |
| 103 | Richmond city | $839 | $328,100 | 0.864% |
| 104 | Spotsylvania County | $842 | $375,000 | 0.603% |
| 105 | Culpeper County | $843 | $386,400 | 0.548% |
| 106 | Hanover County | $860 | $372,700 | 0.672% |
| 107 | New Kent County | $860 | $371,500 | 0.679% |
| 108 | Suffolk city | $861 | $329,600 | 0.932% |
| 109 | King George County | $861 | $395,900 | 0.561% |
| 110 | Powhatan County | $862 | $381,300 | 0.634% |
| 111 | Williamsburg city | $862 | $393,200 | 0.576% |
| 112 | Chesapeake city | $881 | $359,100 | 0.818% |
| 113 | Virginia Beach city | $889 | $366,300 | 0.800% |
| 114 | York County | $916 | $411,200 | 0.651% |
| 115 | James City County | $934 | $419,200 | 0.665% |
| 116 | Goochland County | $973 | $483,700 | 0.500% |
| 117 | Fredericksburg city | $985 | $461,500 | 0.618% |
| 118 | Poquoson city | $987 | $403,000 | 0.903% |
| 119 | Rappahannock County | $1,011 | $490,200 | 0.569% |
| 120 | Stafford County | $1,019 | $458,800 | 0.719% |
| 121 | Manassas Park city | $1,021 | $381,200 | 1.136% |
| 122 | Charlottesville city | $1,037 | $448,400 | 0.814% |
| 123 | Albemarle County | $1,047 | $471,000 | 0.739% |
| 124 | Clarke County | $1,061 | $538,900 | 0.512% |
| 125 | Manassas city | $1,115 | $434,700 | 1.096% |
| 126 | Fauquier County | $1,185 | $543,700 | 0.770% |
| 127 | Prince William County | $1,199 | $500,600 | 0.981% |
| 128 | Fairfax city | $1,513 | $677,400 | 0.944% |
| 129 | Loudoun County | $1,521 | $701,000 | 0.882% |
| 130 | Alexandria city | $1,574 | $696,800 | 0.987% |
| 131 | Fairfax County | $1,594 | $699,700 | 1.011% |
| 132 | Arlington County | $1,830 | $864,800 | 0.899% |
| 133 | Falls Church city | $2,168 | $1,005,400 | 0.995% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Virginia