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Virginia Mortgage Calculator

The complete Virginia payment — principal, interest, Virginia property taxes, and insurance. Free, no sign-up.

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Free · No sign-up · English & Español
0.85%typical Virginia property tax rate — close to the national median of 0.85%
$2,100/yrtypical Virginia homeowners insurance — close to the national median of $2,100/yr
$283/moproperty tax alone on a $400,000 Virginia home at the typical rate
$2,973/moexample full PITI on a $400,000 home, 10% down, 6.75% 30-yr, typical Virginia tax & insurance

What a mortgage really costs in Virginia

Most calculators show principal and interest and stop there. In Virginia, that leaves out roughly $458 a month in property taxes and insurance on a typical $400,000 home — the difference between the payment you planned for and the one you'll actually make. This calculator shows the full PITI: Principal, Interest, Taxes, and Insurance, with Virginia's typical rates loaded automatically.

Better than typical: your exact house

Statewide averages are a starting point — Virginia counties and towns vary. Enter a property address in the calculator and it pulls that home's actual county tax record, so you're budgeting on the real number, not an estimate. You can also compare up to three Virginia homes side by side, complete with each one's taxes, insurance, and HOA.

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More free tools: VA Loan Calculator · FHA Loan Calculator · Refinance Calculator · Rent vs. Buy · The complete guide · All states