Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Virginia
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Virginia ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Covington city | 47.5% | $388 | $816 |
| 2 | Martinsville city | 45.4% | $411 | $905 |
| 3 | Norton city | 44.1% | $423 | $961 |
| 4 | Buchanan County | 43.9% | $381 | $869 |
| 5 | Lee County | 43.4% | $404 | $931 |
| 6 | Dickenson County | 42.6% | $400 | $940 |
| 7 | Danville city | 42.2% | $430 | $1,018 |
| 8 | Alleghany County | 41.6% | $465 | $1,118 |
| 9 | Tazewell County | 41.2% | $434 | $1,054 |
| 10 | Wise County | 40.9% | $430 | $1,052 |
| 11 | Scott County | 40.8% | $450 | $1,103 |
| 12 | Galax city | 40.8% | $466 | $1,143 |
| 13 | Russell County | 40.3% | $432 | $1,070 |
| 14 | Emporia city | 40.3% | $473 | $1,173 |
| 15 | Henry County | 40.1% | $429 | $1,071 |
| 16 | Smyth County | 40.1% | $449 | $1,120 |
| 17 | Buena Vista city | 39.5% | $535 | $1,355 |
| 18 | Grayson County | 39.5% | $460 | $1,167 |
| 19 | Petersburg city | 39.1% | $540 | $1,383 |
| 20 | Brunswick County | 39.0% | $452 | $1,161 |
| 21 | Hopewell city | 38.9% | $561 | $1,442 |
| 22 | Giles County | 38.5% | $480 | $1,246 |
| 23 | Carroll County | 38.2% | $476 | $1,246 |
| 24 | Roanoke city | 38.2% | $596 | $1,560 |
| 25 | Patrick County | 37.9% | $478 | $1,260 |
| 26 | Charlotte County | 37.7% | $466 | $1,235 |
| 27 | Pittsylvania County | 37.5% | $490 | $1,307 |
| 28 | Bristol city | 37.4% | $539 | $1,440 |
| 29 | Halifax County | 37.2% | $471 | $1,266 |
| 30 | Lunenburg County | 37.1% | $459 | $1,236 |
| 31 | Greensville County | 37.0% | $499 | $1,349 |
| 32 | Bland County | 36.9% | $491 | $1,330 |
| 33 | Portsmouth city | 36.4% | $701 | $1,926 |
| 34 | Buckingham County | 36.0% | $503 | $1,399 |
| 35 | Pulaski County | 35.8% | $544 | $1,518 |
| 36 | Newport News city | 35.7% | $721 | $2,019 |
| 37 | Mecklenburg County | 35.6% | $501 | $1,405 |
| 38 | Lynchburg city | 35.6% | $626 | $1,756 |
| 39 | Hampton city | 35.6% | $690 | $1,940 |
| 40 | Wythe County | 35.5% | $506 | $1,424 |
| 41 | Sussex County | 35.4% | $522 | $1,475 |
| 42 | Colonial Heights city | 35.4% | $676 | $1,913 |
| 43 | Salem city | 34.9% | $699 | $2,006 |
| 44 | Radford city | 34.7% | $602 | $1,732 |
| 45 | Appomattox County | 34.7% | $537 | $1,547 |
| 46 | Norfolk city | 34.7% | $771 | $2,222 |
| 47 | Southampton County | 34.6% | $589 | $1,704 |
| 48 | Highland County | 34.6% | $552 | $1,597 |
| 49 | Nottoway County | 34.5% | $506 | $1,466 |
| 50 | Franklin city | 34.3% | $634 | $1,847 |
| 51 | Accomack County | 34.3% | $538 | $1,569 |
| 52 | Amherst County | 34.1% | $545 | $1,598 |
| 53 | Page County | 34.1% | $612 | $1,797 |
| 54 | Washington County | 33.9% | $553 | $1,631 |
| 55 | Roanoke County | 33.9% | $732 | $2,159 |
| 56 | Cumberland County | 33.9% | $603 | $1,778 |
| 57 | Campbell County | 33.7% | $540 | $1,604 |
| 58 | Staunton city | 33.7% | $649 | $1,926 |
| 59 | Richmond County | 33.6% | $579 | $1,723 |
| 60 | Lexington city | 33.6% | $744 | $2,214 |
| 61 | Charles City County | 33.5% | $604 | $1,800 |
| 62 | Waynesboro city | 33.5% | $636 | $1,899 |
| 63 | Manassas Park city | 33.4% | $1,021 | $3,056 |
| 64 | Floyd County | 33.3% | $575 | $1,726 |
| 65 | Surry County | 33.3% | $626 | $1,881 |
| 66 | Prince George County | 33.3% | $713 | $2,146 |
| 67 | Essex County | 33.1% | $605 | $1,826 |
| 68 | Craig County | 33.1% | $556 | $1,680 |
| 69 | Franklin County | 33.1% | $589 | $1,778 |
| 70 | Prince Edward County | 33.1% | $537 | $1,625 |
| 71 | Bath County | 33.0% | $541 | $1,641 |
| 72 | Harrisonburg city | 33.0% | $730 | $2,216 |
| 73 | Rockbridge County | 32.9% | $626 | $1,900 |
| 74 | Westmoreland County | 32.9% | $638 | $1,940 |
| 75 | Suffolk city | 32.9% | $861 | $2,620 |
| 76 | Montgomery County | 32.7% | $736 | $2,250 |
| 77 | Dinwiddie County | 32.7% | $638 | $1,952 |
| 78 | Manassas city | 32.5% | $1,115 | $3,436 |
| 79 | Richmond city | 32.4% | $839 | $2,591 |
| 80 | Botetourt County | 32.3% | $686 | $2,122 |
| 81 | King and Queen County | 32.3% | $614 | $1,900 |
| 82 | Louisa County | 32.1% | $695 | $2,166 |
| 83 | Fluvanna County | 31.9% | $706 | $2,210 |
| 84 | King William County | 31.9% | $692 | $2,168 |
| 85 | Winchester city | 31.8% | $810 | $2,549 |
| 86 | Amelia County | 31.7% | $594 | $1,874 |
| 87 | Northampton County | 31.7% | $691 | $2,181 |
| 88 | Chesterfield County | 31.6% | $832 | $2,630 |
| 89 | Shenandoah County | 31.6% | $657 | $2,076 |
| 90 | Chesapeake city | 31.5% | $881 | $2,799 |
| 91 | Poquoson city | 31.5% | $987 | $3,139 |
| 92 | Gloucester County | 31.3% | $704 | $2,248 |
| 93 | Henrico County | 31.3% | $810 | $2,591 |
| 94 | Virginia Beach city | 31.2% | $889 | $2,844 |
| 95 | Caroline County | 31.2% | $687 | $2,198 |
| 96 | Isle of Wight County | 31.2% | $809 | $2,590 |
| 97 | Nelson County | 31.1% | $681 | $2,192 |
| 98 | Greene County | 31.0% | $757 | $2,440 |
| 99 | Prince William County | 31.0% | $1,199 | $3,871 |
| 100 | Rockingham County | 30.9% | $687 | $2,224 |
| 101 | Middlesex County | 30.8% | $714 | $2,314 |
| 102 | Augusta County | 30.8% | $668 | $2,170 |
| 103 | Bedford County | 30.7% | $653 | $2,130 |
| 104 | Warren County | 30.6% | $744 | $2,430 |
| 105 | Madison County | 30.3% | $771 | $2,540 |
| 106 | Orange County | 30.3% | $784 | $2,584 |
| 107 | New Kent County | 30.3% | $860 | $2,844 |
| 108 | Charlottesville city | 30.2% | $1,037 | $3,431 |
| 109 | Hanover County | 30.2% | $860 | $2,850 |
| 110 | Lancaster County | 30.1% | $707 | $2,349 |
| 111 | Fairfax County | 29.9% | $1,594 | $5,329 |
| 112 | Powhatan County | 29.8% | $862 | $2,898 |
| 113 | Alexandria city | 29.7% | $1,574 | $5,294 |
| 114 | Spotsylvania County | 29.6% | $842 | $2,844 |
| 115 | Fairfax city | 29.5% | $1,513 | $5,129 |
| 116 | Northumberland County | 29.4% | $742 | $2,520 |
| 117 | James City County | 29.4% | $934 | $3,172 |
| 118 | York County | 29.4% | $916 | $3,111 |
| 119 | Albemarle County | 29.4% | $1,047 | $3,562 |
| 120 | Stafford County | 29.4% | $1,019 | $3,468 |
| 121 | Frederick County | 29.2% | $783 | $2,678 |
| 122 | Williamsburg city | 29.1% | $862 | $2,961 |
| 123 | Culpeper County | 29.0% | $843 | $2,905 |
| 124 | Fauquier County | 29.0% | $1,185 | $4,087 |
| 125 | King George County | 29.0% | $861 | $2,975 |
| 126 | Loudoun County | 28.9% | $1,521 | $5,263 |
| 127 | Falls Church city | 28.8% | $2,168 | $7,535 |
| 128 | Mathews County | 28.7% | $748 | $2,611 |
| 129 | Fredericksburg city | 28.6% | $985 | $3,449 |
| 130 | Arlington County | 28.4% | $1,830 | $6,447 |
| 131 | Rappahannock County | 27.9% | $1,011 | $3,628 |
| 132 | Goochland County | 27.4% | $973 | $3,555 |
| 133 | Clarke County | 26.9% | $1,061 | $3,938 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Virginia