Local costs · Virginia

What a home costs across Virginia

Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Virginia, then every county with its own tax rate and insurance range.

Statewide facts

Home insurance average
About $1,332 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
Transfer & recording tax
Virginia recordation tax: 0.25% of price — buyer customarily paysVirginia grantor tax: 0.10% of price — seller customarily paysNorthern Virginia localities add ~0.2% (regional congestion relief + WMATA fees, seller-paid).On the $403,500 state median home, the buyer’s customary share is about $1,009; the seller customarily covers about $404.
Title insurance
Virginia uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
State income tax
Virginia income tax is modeled at about 4.38% effective for a married household at $100,000 (4.94% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.

All 133 counties in Virginia

Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.

CountyProperty taxInsurance / yr
Accomack County0.48%$2,390–$5,320typical $3,670
Albemarle County0.75%$810–$1,800typical $1,240
Alexandria city0.96%$860–$1,910typical $1,320
Alleghany County0.80%$650–$1,450typical $1,000
Amelia County0.38%$650–$1,450typical $1,000
Amherst County0.46%$740–$1,650typical $1,140
Appomattox County0.52%$770–$1,710typical $1,180
Arlington County0.91%$860–$1,910typical $1,320
Augusta County0.47%$700–$1,570typical $1,080
Bath County0.39%$650–$1,450typical $1,000
Bedford County0.43%$690–$1,540typical $1,060
Bland County0.56%$650–$1,450typical $1,000
Botetourt County0.64%$650–$1,450typical $1,000
Bristol city0.75%$650–$1,450typical $1,000
Brunswick County0.57%$1,440–$3,220typical $2,220
Buchanan County0.43%$650–$1,450typical $1,000
Buckingham County0.52%$1,110–$2,470typical $1,700
Buena Vista city0.91%$820–$1,830typical $1,260
Campbell County0.45%$680–$1,520typical $1,050
Caroline County0.52%$1,380–$3,070typical $2,120
Carroll County0.53%$650–$1,450typical $1,000
Charles City County0.56%$940–$2,090typical $1,440
Charlotte County0.53%$1,090–$2,440typical $1,680
Charlottesville city0.80%$790–$1,750typical $1,210
Chesapeake city0.82%$1,310–$2,930typical $2,020
Chesterfield County0.76%$730–$1,640typical $1,130
Clarke County0.48%$810–$1,800typical $1,240
Colonial Heights city0.84%$750–$1,680typical $1,160
Covington city0.82%$650–$1,450typical $1,000
Craig County0.56%$650–$1,450typical $1,000
Culpeper County0.52%$750–$1,680typical $1,160
Cumberland County0.57%$1,120–$2,490typical $1,720
Danville city0.65%$720–$1,610typical $1,110
Dickenson County0.47%$1,010–$2,250typical $1,550
Dinwiddie County0.55%$720–$1,610typical $1,110
Emporia city0.79%$1,570–$3,510typical $2,420
Essex County0.57%$1,770–$3,960typical $2,730
Fairfax city0.90%$890–$1,990typical $1,370
Fairfax County1.00%$710–$1,580typical $1,090
Falls Church city0.95%*$900–$2,020typical $1,390
Fauquier County0.75%$660–$1,480typical $1,020
Floyd County0.55%$650–$1,450typical $1,000
Fluvanna County0.63%$920–$2,040typical $1,410
Franklin city0.71%$1,910–$4,260typical $2,940
Franklin County0.50%$650–$1,450typical $1,000
Frederick County0.48%$850–$1,900typical $1,310
Fredericksburg city0.60%$840–$1,870typical $1,290
Galax city0.76%$650–$1,450typical $1,000
Giles County0.61%$650–$1,450typical $1,000
Gloucester County0.57%$1,010–$2,260typical $1,560
Goochland County0.50%$650–$1,450typical $1,000
Grayson County0.56%$650–$1,450typical $1,000
Greene County0.61%$860–$1,930typical $1,330
Greensville County0.54%$1,600–$3,570typical $2,460
Halifax County0.46%$930–$2,070typical $1,430
Hampton city0.95%$1,030–$2,310typical $1,590
Hanover County0.66%$710–$1,580typical $1,090
Harrisonburg city0.76%$750–$1,670typical $1,150
Henrico County0.71%$650–$1,450typical $1,000
Henry County0.47%$740–$1,650typical $1,140
Highland County0.57%$650–$1,450typical $1,000
Hopewell city0.86%$1,050–$2,330typical $1,610
Isle of Wight County0.70%$1,290–$2,870typical $1,980
James City County0.65%$1,050–$2,350typical $1,620
King and Queen County0.52%$960–$2,150typical $1,480
King George County0.53%$1,590–$3,550typical $2,450
King William County0.55%$920–$2,060typical $1,420
Lancaster County0.48%$2,070–$4,610typical $3,180
Lee County0.60%$810–$1,800typical $1,240
Lexington city0.81%$790–$1,770typical $1,220
Loudoun County0.85%$720–$1,610typical $1,110
Louisa County0.60%$1,230–$2,740typical $1,890
Lunenburg County0.39%$1,200–$2,670typical $1,840
Lynchburg city0.78%$700–$1,550typical $1,070
Madison County0.53%$1,200–$2,680typical $1,850
Manassas city1.09%$850–$1,900typical $1,310
Manassas Park city1.17%$830–$1,860typical $1,280
Martinsville city0.77%$750–$1,670typical $1,150
Mathews County0.43%$1,070–$2,390typical $1,650
Mecklenburg County0.45%$1,260–$2,810typical $1,940
Middlesex County0.51%$2,110–$4,700typical $3,240
Montgomery County0.74%$650–$1,450typical $1,000
Nelson County0.50%$770–$1,710typical $1,180
New Kent County0.64%$920–$2,060typical $1,420
Newport News city1.01%$1,050–$2,350typical $1,620
Norfolk city1.00%$1,340–$2,990typical $2,060
Northampton County0.57%$2,430–$5,420typical $3,740
Northumberland County0.47%$2,220–$4,960typical $3,420
Norton city0.73%$650–$1,450typical $1,000
Nottoway County0.45%$1,260–$2,810typical $1,940
Orange County0.55%$990–$2,220typical $1,530
Page County0.64%$1,070–$2,380typical $1,640
Patrick County0.55%$770–$1,710typical $1,180
Petersburg city0.81%$710–$1,580typical $1,090
Pittsylvania County0.59%$720–$1,610typical $1,110
Poquoson city0.92%$1,090–$2,420typical $1,670
Portsmouth city1.04%$1,330–$2,970typical $2,050
Powhatan County0.59%$660–$1,460typical $1,010
Prince Edward County0.43%$1,070–$2,380typical $1,640
Prince George County0.74%$860–$1,930typical $1,330
Prince William County0.94%$780–$1,740typical $1,200
Pulaski County0.63%$650–$1,450typical $1,000
Radford city0.72%$650–$1,450typical $1,000
Rappahannock County0.50%$830–$1,840typical $1,270
Richmond city0.89%$650–$1,450typical $1,000
Richmond County0.56%$1,830–$4,090typical $2,820
Roanoke city0.99%$650–$1,450typical $1,000
Roanoke County0.85%$650–$1,450typical $1,000
Rockbridge County0.60%$860–$1,930typical $1,330
Rockingham County0.53%$720–$1,610typical $1,110
Russell County0.48%$650–$1,450typical $1,000
Salem city0.90%$650–$1,450typical $1,000
Scott County0.62%$650–$1,450typical $1,000
Shenandoah County0.52%$1,020–$2,280typical $1,570
Smyth County0.58%$650–$1,450typical $1,000
Southampton County0.66%$1,900–$4,250typical $2,930
Spotsylvania County0.58%$740–$1,650typical $1,140
Stafford County0.70%$830–$1,860typical $1,280
Staunton city0.70%$670–$1,490typical $1,030
Suffolk city0.93%$1,350–$3,000typical $2,070
Surry County0.69%$1,000–$2,230typical $1,540
Sussex County0.59%$820–$1,830typical $1,260
Tazewell County0.61%$650–$1,450typical $1,000
Virginia Beach city0.80%$1,350–$3,000typical $2,070
Warren County0.52%$720–$1,600typical $1,100
Washington County0.50%$650–$1,450typical $1,000
Waynesboro city0.67%$760–$1,700typical $1,170
Westmoreland County0.60%$1,770–$3,960typical $2,730
Williamsburg city0.59%$1,050–$2,350typical $1,620
Winchester city0.76%$780–$1,740typical $1,200
Wise County0.58%$760–$1,700typical $1,170
Wythe County0.53%$650–$1,450typical $1,000
York County0.65%$1,080–$2,410typical $1,660

* Property-tax rate is approximate because the county’s Census median is top-coded.

How these numbers are built

Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.

Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.