Housing affordability index in Virginia
Housing affordability index in Virginia: puts one number on the housing question: 25% of the state's median household income goes to principal and interest on a median-priced home at today's rate.
30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).
Share of income
25%
principal + interest
Monthly payment
$1,992
on a $383,517 home
Median income
$95,667
households, ACS 5-year
| Rank | County | Share of income | Monthly P&I |
|---|---|---|---|
| 1 | Arlington County | 37.8% | $4,328 |
| 2 | Charlottesville city | 37% | $2,069 |
| 3 | Alexandria city | 36.1% | $3,406 |
| 4 | Williamsburg city | 36% | $2,003 |
| 5 | Falls Church city | 35.6% | $4,875 |
| 6 | Fredericksburg city | 32.7% | $2,277 |
| 7 | Rappahannock County | 32.2% | $2,646 |
| 8 | Richmond city | 32.2% | $1,601 |
| 9 | Fairfax city | 31.5% | $3,374 |
| 10 | Winchester city | 29.9% | $1,558 |
| 11 | Northumberland County | 29.3% | $1,577 |
| 12 | Harrisonburg city | 29.3% | $1,370 |
| 13 | Lancaster County | 29.1% | $1,518 |
| 14 | Clarke County | 28.8% | $2,579 |
| 15 | Albemarle County | 28.7% | $2,338 |
| 16 | Fairfax County | 28.6% | $3,464 |
| 17 | Mathews County | 28.1% | $1,849 |
| 18 | Northampton County | 28.1% | $1,279 |
| 19 | Waynesboro city | 26.9% | $1,178 |
| 20 | Nelson County | 26.8% | $1,429 |
| 21 | Westmoreland County | 26.8% | $1,267 |
| 22 | Madison County | 26% | $1,618 |
| 23 | Middlesex County | 26% | $1,501 |
| 24 | Norfolk city | 26% | $1,320 |
| 25 | Essex County | 25.8% | $1,127 |
| 26 | Montgomery County | 25.7% | $1,399 |
| 27 | Goochland County | 25.6% | $2,252 |
| 28 | Fauquier County | 25.4% | $2,603 |
| 29 | Manassas Park city | 25.2% | $1,925 |
| 30 | Radford city | 25% | $1,063 |
| 31 | Culpeper County | 24.9% | $1,920 |
| 32 | Shenandoah County | 24.8% | $1,286 |
| 33 | James City County | 24.6% | $2,061 |
| 34 | Virginia Beach city | 24.5% | $1,785 |
| 35 | Loudoun County | 24% | $3,413 |
| 36 | Prince William County | 23.9% | $2,452 |
| 37 | Henrico County | 23.4% | $1,609 |
| 38 | Rockbridge County | 23.4% | $1,206 |
| 39 | Portsmouth city | 23.3% | $1,108 |
| 40 | Warren County | 23.1% | $1,524 |
| 41 | Amelia County | 23% | $1,214 |
| 42 | Cumberland County | 23% | $1,083 |
| 43 | York County | 23% | $2,011 |
| 44 | Newport News city | 23% | $1,212 |
| 45 | Staunton city | 22.9% | $1,140 |
| 46 | Chesapeake city | 22.8% | $1,763 |
| 47 | Rockingham County | 22.7% | $1,386 |
| 48 | Orange County | 22.6% | $1,641 |
| 49 | Frederick County | 22.5% | $1,733 |
| 50 | King George County | 22.5% | $1,934 |
| 51 | Floyd County | 22.4% | $1,067 |
| 52 | Isle of Wight County | 22.3% | $1,702 |
| 53 | Suffolk city | 22.3% | $1,633 |
| 54 | Manassas city | 22.2% | $2,046 |
| 55 | Greene County | 22.1% | $1,495 |
| 56 | Poquoson city | 22.1% | $2,112 |
| 57 | Bedford County | 22% | $1,371 |
| 58 | Augusta County | 21.9% | $1,387 |
| 59 | Accomack County | 21.8% | $958 |
| 60 | Louisa County | 21.7% | $1,385 |
| 61 | Page County | 21.7% | $1,028 |
| 62 | Richmond County | 21.7% | $1,135 |
| 63 | Lynchburg city | 21.7% | $1,018 |
| 64 | Franklin city | 21.4% | $1,028 |
| 65 | Bristol city | 21.3% | $805 |
| 66 | Hampton city | 21.3% | $1,142 |
| 67 | Botetourt County | 21.2% | $1,372 |
| 68 | Salem city | 21.1% | $1,205 |
| 69 | Prince Edward County | 21% | $1,005 |
| 70 | Stafford County | 21% | $2,243 |
| 71 | Surry County | 21% | $1,202 |
| 72 | Spotsylvania County | 20.8% | $1,817 |
| 73 | Bath County | 20.7% | $960 |
| 74 | Hanover County | 20.7% | $1,807 |
| 75 | Powhatan County | 20.6% | $1,852 |
| 76 | Gloucester County | 20.4% | $1,426 |
| 77 | Chesterfield County | 20% | $1,592 |
| 78 | Highland County | 19.9% | $948 |
| 79 | King William County | 19.8% | $1,310 |
| 80 | Prince George County | 19.6% | $1,310 |
| 81 | Petersburg city | 19.6% | $765 |
| 82 | Roanoke city | 19.6% | $841 |
| 83 | Franklin County | 19.5% | $1,079 |
| 84 | New Kent County | 19.5% | $1,840 |
| 85 | Emporia city | 19.5% | $672 |
| 86 | Campbell County | 19.3% | $951 |
| 87 | Mecklenburg County | 19.2% | $820 |
| 88 | Washington County | 19.1% | $940 |
| 89 | Colonial Heights city | 19.1% | $1,150 |
| 90 | Pulaski County | 19% | $944 |
| 91 | Buena Vista city | 19% | $773 |
| 92 | Caroline County | 18.9% | $1,316 |
| 93 | Charles City County | 18.9% | $1,033 |
| 94 | King and Queen County | 18.9% | $1,104 |
| 95 | Roanoke County | 18.9% | $1,277 |
| 96 | Hopewell city | 18.7% | $787 |
| 97 | Fluvanna County | 18.6% | $1,407 |
| 98 | Grayson County | 18.6% | $671 |
| 99 | Appomattox County | 18.5% | $925 |
| 100 | Southampton County | 18.4% | $1,037 |
| 101 | Wythe County | 18.2% | $816 |
| 102 | Dinwiddie County | 18.1% | $1,162 |
| 103 | Carroll County | 17.7% | $723 |
| 104 | Amherst County | 17.6% | $943 |
| 105 | Greensville County | 17.6% | $761 |
| 106 | Norton city | 17.6% | $541 |
| 107 | Craig County | 17.4% | $959 |
| 108 | Patrick County | 17.4% | $713 |
| 109 | Pittsylvania County | 17.1% | $748 |
| 110 | Scott County | 17.1% | $635 |
| 111 | Halifax County | 16.9% | $692 |
| 112 | Nottoway County | 16.9% | $880 |
| 113 | Buckingham County | 16.7% | $835 |
| 114 | Smyth County | 16.7% | $626 |
| 115 | Charlotte County | 16.6% | $712 |
| 116 | Lunenburg County | 16% | $726 |
| 117 | Henry County | 15.9% | $581 |
| 118 | Sussex County | 15.9% | $784 |
| 119 | Russell County | 15.8% | $582 |
| 120 | Danville city | 15.3% | $530 |
| 121 | Galax city | 15.3% | $568 |
| 122 | Brunswick County | 15% | $660 |
| 123 | Tazewell County | 15% | $583 |
| 124 | Lexington city | 15% | $1,167 |
| 125 | Alleghany County | 14.7% | $642 |
| 126 | Giles County | 14.3% | $737 |
| 127 | Lee County | 14.3% | $498 |
| 128 | Wise County | 14.2% | $561 |
| 129 | Bland County | 13.8% | $688 |
| 130 | Dickenson County | 13.8% | $463 |
| 131 | Buchanan County | 13.4% | $441 |
| 132 | Martinsville city | 13.2% | $430 |
| 133 | Covington city | 10.9% | $416 |
Methodology
Every county figure for Virginia uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.
The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.
Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.
Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.