Ranked from ACS 2023 5-Year
Most Expensive Counties to Own a Home Outright in Virginia
The counties where a paid-off house still costs the most to keep. For retirees on a fixed income this figure matters more than the purchase price, because it never goes away and it rises with assessments.
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 | Falls Church city | $2,168 | $1,005,400 | 0.995% |
| 2 | Arlington County | $1,830 | $864,800 | 0.899% |
| 3 | Fairfax County | $1,594 | $699,700 | 1.011% |
| 4 | Alexandria city | $1,574 | $696,800 | 0.987% |
| 5 | Loudoun County | $1,521 | $701,000 | 0.882% |
| 6 | Fairfax city | $1,513 | $677,400 | 0.944% |
| 7 | Prince William County | $1,199 | $500,600 | 0.981% |
| 8 | Fauquier County | $1,185 | $543,700 | 0.770% |
| 9 | Manassas city | $1,115 | $434,700 | 1.096% |
| 10 | Clarke County | $1,061 | $538,900 | 0.512% |
| 11 | Albemarle County | $1,047 | $471,000 | 0.739% |
| 12 | Charlottesville city | $1,037 | $448,400 | 0.814% |
| 13 | Manassas Park city | $1,021 | $381,200 | 1.136% |
| 14 | Stafford County | $1,019 | $458,800 | 0.719% |
| 15 | Rappahannock County | $1,011 | $490,200 | 0.569% |
| 16 | Poquoson city | $987 | $403,000 | 0.903% |
| 17 | Fredericksburg city | $985 | $461,500 | 0.618% |
| 18 | Goochland County | $973 | $483,700 | 0.500% |
| 19 | James City County | $934 | $419,200 | 0.665% |
| 20 | York County | $916 | $411,200 | 0.651% |
| 21 | Virginia Beach city | $889 | $366,300 | 0.800% |
| 22 | Chesapeake city | $881 | $359,100 | 0.818% |
| 23 | Williamsburg city | $862 | $393,200 | 0.576% |
| 24 | Powhatan County | $862 | $381,300 | 0.634% |
| 25 | King George County | $861 | $395,900 | 0.561% |
| 26 | Suffolk city | $861 | $329,600 | 0.932% |
| 27 | New Kent County | $860 | $371,500 | 0.679% |
| 28 | Hanover County | $860 | $372,700 | 0.672% |
| 29 | Culpeper County | $843 | $386,400 | 0.548% |
| 30 | Spotsylvania County | $842 | $375,000 | 0.603% |
| 31 | Richmond city | $839 | $328,100 | 0.864% |
| 32 | Chesterfield County | $832 | $336,700 | 0.783% |
| 33 | Henrico County | $810 | $333,600 | 0.724% |
| 34 | Winchester city | $810 | $325,900 | 0.769% |
| 35 | Isle of Wight County | $809 | $333,600 | 0.719% |
| 36 | Orange County | $784 | $337,300 | 0.607% |
| 37 | Frederick County | $783 | $355,000 | 0.509% |
| 38 | Madison County | $771 | $331,400 | 0.594% |
| 39 | Norfolk city | $771 | $271,900 | 1.007% |
| 40 | Greene County | $757 | $315,300 | 0.637% |
| 41 | Mathews County | $748 | $348,800 | 0.423% |
| 42 | Lexington city | $744 | $275,300 | 0.864% |
| 43 | Warren County | $744 | $315,800 | 0.586% |
| 44 | Northumberland County | $742 | $333,100 | 0.481% |
| 45 | Montgomery County | $736 | $283,600 | 0.767% |
| 46 | Roanoke County | $732 | $267,300 | 0.875% |
| 47 | Harrisonburg city | $730 | $278,200 | 0.781% |
| 48 | Newport News city | $721 | $243,300 | 1.030% |
| 49 | Middlesex County | $714 | $299,800 | 0.564% |
| 50 | Prince George County | $713 | $268,300 | 0.782% |
| 51 | Lancaster County | $707 | $307,600 | 0.490% |
| 52 | Fluvanna County | $706 | $281,700 | 0.651% |
| 53 | Gloucester County | $704 | $289,200 | 0.594% |
| 54 | Portsmouth city | $701 | $229,400 | 1.069% |
| 55 | Salem city | $699 | $244,800 | 0.912% |
| 56 | Louisa County | $695 | $275,600 | 0.646% |
| 57 | King William County | $692 | $276,500 | 0.627% |
| 58 | Northampton County | $691 | $279,100 | 0.605% |
| 59 | Hampton city | $690 | $234,100 | 0.965% |
| 60 | Rockingham County | $687 | $287,900 | 0.532% |
| 61 | Caroline County | $687 | $283,100 | 0.560% |
| 62 | Botetourt County | $686 | $268,900 | 0.655% |
| 63 | Nelson County | $681 | $283,000 | 0.536% |
| 64 | Colonial Heights city | $676 | $231,700 | 0.918% |
| 65 | Augusta County | $668 | $281,400 | 0.490% |
| 66 | Shenandoah County | $657 | $265,800 | 0.546% |
| 67 | Bedford County | $653 | $276,600 | 0.457% |
| 68 | Staunton city | $649 | $239,300 | 0.709% |
| 69 | Dinwiddie County | $638 | $246,100 | 0.601% |
| 70 | Westmoreland County | $638 | $244,000 | 0.617% |
| 71 | Waynesboro city | $636 | $236,600 | 0.667% |
| 72 | Franklin city | $634 | $227,200 | 0.738% |
| 73 | Rockbridge County | $626 | $238,700 | 0.600% |
| 74 | Surry County | $626 | $235,200 | 0.627% |
| 75 | Lynchburg city | $626 | $211,800 | 0.839% |
| 76 | King and Queen County | $614 | $240,900 | 0.523% |
| 77 | Page County | $612 | $221,800 | 0.671% |
| 78 | Essex County | $605 | $228,600 | 0.574% |
| 79 | Charles City County | $604 | $224,100 | 0.604% |
| 80 | Cumberland County | $603 | $220,100 | 0.635% |
| 81 | Radford city | $602 | $211,700 | 0.703% |
| 82 | Roanoke city | $596 | $180,500 | 1.013% |
| 83 | Amelia County | $594 | $239,700 | 0.431% |
| 84 | Southampton County | $589 | $208,800 | 0.661% |
| 85 | Franklin County | $589 | $222,800 | 0.533% |
| 86 | Richmond County | $579 | $214,200 | 0.555% |
| 87 | Floyd County | $575 | $215,500 | 0.521% |
| 88 | Hopewell city | $561 | $165,100 | 0.969% |
| 89 | Craig County | $556 | $210,500 | 0.455% |
| 90 | Washington County | $553 | $201,800 | 0.514% |
| 91 | Highland County | $552 | $195,700 | 0.564% |
| 92 | Amherst County | $545 | $197,200 | 0.506% |
| 93 | Pulaski County | $544 | $182,500 | 0.644% |
| 94 | Bath County | $541 | $206,000 | 0.405% |
| 95 | Petersburg city | $540 | $157,900 | 0.918% |
| 96 | Campbell County | $540 | $199,200 | 0.458% |
| 97 | Bristol city | $539 | $168,700 | 0.767% |
| 98 | Accomack County | $538 | $193,100 | 0.498% |
| 99 | Prince Edward County | $537 | $203,700 | 0.403% |
| 100 | Appomattox County | $537 | $189,200 | 0.532% |
| 101 | Buena Vista city | $535 | $153,500 | 0.941% |
| 102 | Sussex County | $522 | $178,500 | 0.541% |
| 103 | Nottoway County | $506 | $179,800 | 0.420% |
| 104 | Wythe County | $506 | $172,100 | 0.494% |
| 105 | Buckingham County | $503 | $167,800 | 0.521% |
| 106 | Mecklenburg County | $501 | $169,400 | 0.488% |
| 107 | Greensville County | $499 | $159,200 | 0.588% |
| 108 | Bland County | $491 | $157,100 | 0.553% |
| 109 | Pittsylvania County | $490 | $153,000 | 0.593% |
| 110 | Giles County | $480 | $143,500 | 0.632% |
| 111 | Patrick County | $478 | $146,500 | 0.581% |
| 112 | Carroll County | $476 | $144,200 | 0.597% |
| 113 | Emporia city | $473 | $131,100 | 0.755% |
| 114 | Halifax County | $471 | $148,900 | 0.490% |
| 115 | Galax city | $466 | $126,800 | 0.759% |
| 116 | Charlotte County | $466 | $144,000 | 0.513% |
| 117 | Alleghany County | $465 | $122,300 | 0.827% |
| 118 | Grayson County | $460 | $132,300 | 0.620% |
| 119 | Lunenburg County | $459 | $145,500 | 0.436% |
| 120 | Brunswick County | $452 | $132,700 | 0.541% |
| 121 | Scott County | $450 | $122,300 | 0.675% |
| 122 | Smyth County | $449 | $125,800 | 0.609% |
| 123 | Tazewell County | $434 | $116,100 | 0.618% |
| 124 | Russell County | $432 | $119,600 | 0.538% |
| 125 | Danville city | $430 | $110,200 | 0.674% |
| 126 | Wise County | $430 | $116,500 | 0.565% |
| 127 | Henry County | $429 | $120,300 | 0.502% |
| 128 | Norton city | $423 | $100,700 | 0.782% |
| 129 | Martinsville city | $411 | $92,500 | 0.806% |
| 130 | Lee County | $404 | $98,700 | 0.594% |
| 131 | Dickenson County | $400 | $101,100 | 0.498% |
| 132 | Covington city | $388 | $80,200 | 0.784% |
| 133 | Buchanan County | $381 | $91,400 | 0.442% |
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
Most Expensive Counties to Own a Home Outright across all 3,133 US counties · Every county in Virginia