Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Virginia
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
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 | Clarke County | 26.9% | $1,061 | $3,938 |
| 2 | Goochland County | 27.4% | $973 | $3,555 |
| 3 | Rappahannock County | 27.9% | $1,011 | $3,628 |
| 4 | Arlington County | 28.4% | $1,830 | $6,447 |
| 5 | Fredericksburg city | 28.6% | $985 | $3,449 |
| 6 | Mathews County | 28.7% | $748 | $2,611 |
| 7 | Falls Church city | 28.8% | $2,168 | $7,535 |
| 8 | Loudoun County | 28.9% | $1,521 | $5,263 |
| 9 | King George County | 29.0% | $861 | $2,975 |
| 10 | Fauquier County | 29.0% | $1,185 | $4,087 |
| 11 | Culpeper County | 29.0% | $843 | $2,905 |
| 12 | Williamsburg city | 29.1% | $862 | $2,961 |
| 13 | Frederick County | 29.2% | $783 | $2,678 |
| 14 | Stafford County | 29.4% | $1,019 | $3,468 |
| 15 | Albemarle County | 29.4% | $1,047 | $3,562 |
| 16 | York County | 29.4% | $916 | $3,111 |
| 17 | James City County | 29.4% | $934 | $3,172 |
| 18 | Northumberland County | 29.4% | $742 | $2,520 |
| 19 | Fairfax city | 29.5% | $1,513 | $5,129 |
| 20 | Spotsylvania County | 29.6% | $842 | $2,844 |
| 21 | Alexandria city | 29.7% | $1,574 | $5,294 |
| 22 | Powhatan County | 29.8% | $862 | $2,898 |
| 23 | Fairfax County | 29.9% | $1,594 | $5,329 |
| 24 | Lancaster County | 30.1% | $707 | $2,349 |
| 25 | Hanover County | 30.2% | $860 | $2,850 |
| 26 | Charlottesville city | 30.2% | $1,037 | $3,431 |
| 27 | New Kent County | 30.3% | $860 | $2,844 |
| 28 | Orange County | 30.3% | $784 | $2,584 |
| 29 | Madison County | 30.3% | $771 | $2,540 |
| 30 | Warren County | 30.6% | $744 | $2,430 |
| 31 | Bedford County | 30.7% | $653 | $2,130 |
| 32 | Augusta County | 30.8% | $668 | $2,170 |
| 33 | Middlesex County | 30.8% | $714 | $2,314 |
| 34 | Rockingham County | 30.9% | $687 | $2,224 |
| 35 | Prince William County | 31.0% | $1,199 | $3,871 |
| 36 | Greene County | 31.0% | $757 | $2,440 |
| 37 | Nelson County | 31.1% | $681 | $2,192 |
| 38 | Isle of Wight County | 31.2% | $809 | $2,590 |
| 39 | Caroline County | 31.2% | $687 | $2,198 |
| 40 | Virginia Beach city | 31.2% | $889 | $2,844 |
| 41 | Henrico County | 31.3% | $810 | $2,591 |
| 42 | Gloucester County | 31.3% | $704 | $2,248 |
| 43 | Poquoson city | 31.5% | $987 | $3,139 |
| 44 | Chesapeake city | 31.5% | $881 | $2,799 |
| 45 | Shenandoah County | 31.6% | $657 | $2,076 |
| 46 | Chesterfield County | 31.6% | $832 | $2,630 |
| 47 | Northampton County | 31.7% | $691 | $2,181 |
| 48 | Amelia County | 31.7% | $594 | $1,874 |
| 49 | Winchester city | 31.8% | $810 | $2,549 |
| 50 | King William County | 31.9% | $692 | $2,168 |
| 51 | Fluvanna County | 31.9% | $706 | $2,210 |
| 52 | Louisa County | 32.1% | $695 | $2,166 |
| 53 | King and Queen County | 32.3% | $614 | $1,900 |
| 54 | Botetourt County | 32.3% | $686 | $2,122 |
| 55 | Richmond city | 32.4% | $839 | $2,591 |
| 56 | Manassas city | 32.5% | $1,115 | $3,436 |
| 57 | Dinwiddie County | 32.7% | $638 | $1,952 |
| 58 | Montgomery County | 32.7% | $736 | $2,250 |
| 59 | Suffolk city | 32.9% | $861 | $2,620 |
| 60 | Westmoreland County | 32.9% | $638 | $1,940 |
| 61 | Rockbridge County | 32.9% | $626 | $1,900 |
| 62 | Harrisonburg city | 33.0% | $730 | $2,216 |
| 63 | Bath County | 33.0% | $541 | $1,641 |
| 64 | Prince Edward County | 33.1% | $537 | $1,625 |
| 65 | Franklin County | 33.1% | $589 | $1,778 |
| 66 | Craig County | 33.1% | $556 | $1,680 |
| 67 | Essex County | 33.1% | $605 | $1,826 |
| 68 | Prince George County | 33.3% | $713 | $2,146 |
| 69 | Surry County | 33.3% | $626 | $1,881 |
| 70 | Floyd County | 33.3% | $575 | $1,726 |
| 71 | Manassas Park city | 33.4% | $1,021 | $3,056 |
| 72 | Waynesboro city | 33.5% | $636 | $1,899 |
| 73 | Charles City County | 33.5% | $604 | $1,800 |
| 74 | Lexington city | 33.6% | $744 | $2,214 |
| 75 | Richmond County | 33.6% | $579 | $1,723 |
| 76 | Staunton city | 33.7% | $649 | $1,926 |
| 77 | Campbell County | 33.7% | $540 | $1,604 |
| 78 | Cumberland County | 33.9% | $603 | $1,778 |
| 79 | Roanoke County | 33.9% | $732 | $2,159 |
| 80 | Washington County | 33.9% | $553 | $1,631 |
| 81 | Page County | 34.1% | $612 | $1,797 |
| 82 | Amherst County | 34.1% | $545 | $1,598 |
| 83 | Accomack County | 34.3% | $538 | $1,569 |
| 84 | Franklin city | 34.3% | $634 | $1,847 |
| 85 | Nottoway County | 34.5% | $506 | $1,466 |
| 86 | Highland County | 34.6% | $552 | $1,597 |
| 87 | Southampton County | 34.6% | $589 | $1,704 |
| 88 | Norfolk city | 34.7% | $771 | $2,222 |
| 89 | Appomattox County | 34.7% | $537 | $1,547 |
| 90 | Radford city | 34.7% | $602 | $1,732 |
| 91 | Salem city | 34.9% | $699 | $2,006 |
| 92 | Colonial Heights city | 35.4% | $676 | $1,913 |
| 93 | Sussex County | 35.4% | $522 | $1,475 |
| 94 | Wythe County | 35.5% | $506 | $1,424 |
| 95 | Hampton city | 35.6% | $690 | $1,940 |
| 96 | Lynchburg city | 35.6% | $626 | $1,756 |
| 97 | Mecklenburg County | 35.6% | $501 | $1,405 |
| 98 | Newport News city | 35.7% | $721 | $2,019 |
| 99 | Pulaski County | 35.8% | $544 | $1,518 |
| 100 | Buckingham County | 36.0% | $503 | $1,399 |
| 101 | Portsmouth city | 36.4% | $701 | $1,926 |
| 102 | Bland County | 36.9% | $491 | $1,330 |
| 103 | Greensville County | 37.0% | $499 | $1,349 |
| 104 | Lunenburg County | 37.1% | $459 | $1,236 |
| 105 | Halifax County | 37.2% | $471 | $1,266 |
| 106 | Bristol city | 37.4% | $539 | $1,440 |
| 107 | Pittsylvania County | 37.5% | $490 | $1,307 |
| 108 | Charlotte County | 37.7% | $466 | $1,235 |
| 109 | Patrick County | 37.9% | $478 | $1,260 |
| 110 | Roanoke city | 38.2% | $596 | $1,560 |
| 111 | Carroll County | 38.2% | $476 | $1,246 |
| 112 | Giles County | 38.5% | $480 | $1,246 |
| 113 | Hopewell city | 38.9% | $561 | $1,442 |
| 114 | Brunswick County | 39.0% | $452 | $1,161 |
| 115 | Petersburg city | 39.1% | $540 | $1,383 |
| 116 | Grayson County | 39.5% | $460 | $1,167 |
| 117 | Buena Vista city | 39.5% | $535 | $1,355 |
| 118 | Smyth County | 40.1% | $449 | $1,120 |
| 119 | Henry County | 40.1% | $429 | $1,071 |
| 120 | Emporia city | 40.3% | $473 | $1,173 |
| 121 | Russell County | 40.3% | $432 | $1,070 |
| 122 | Galax city | 40.8% | $466 | $1,143 |
| 123 | Scott County | 40.8% | $450 | $1,103 |
| 124 | Wise County | 40.9% | $430 | $1,052 |
| 125 | Tazewell County | 41.2% | $434 | $1,054 |
| 126 | Alleghany County | 41.6% | $465 | $1,118 |
| 127 | Danville city | 42.2% | $430 | $1,018 |
| 128 | Dickenson County | 42.6% | $400 | $940 |
| 129 | Lee County | 43.4% | $404 | $931 |
| 130 | Buchanan County | 43.9% | $381 | $869 |
| 131 | Norton city | 44.1% | $423 | $961 |
| 132 | Martinsville city | 45.4% | $411 | $905 |
| 133 | Covington city | 47.5% | $388 | $816 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Virginia