Virginia Mortgage Snapshot
Virginia Mortgage + Property Tax Snapshot (2026)
Compare Virginia property tax context, FHA limit tier signals, and county-level navigation so you can plan financing scenarios faster.
Estimated Effective State Rate
0.86%
Sample Annual Tax on $425,000 Home
$3,655
FHA State Tier
Mixed Standard + High-Cost County Tier
County/Locality Pages
0
FHA Limit Tier Context in Virginia
State Tier Signal
Some counties follow standard FHA limits while higher-cost counties may qualify for elevated FHA limits.
FHA 1-Unit Floor
$541,287
FHA 1-Unit Ceiling
$1,249,125
What Homebuyers in Virginia Should Know
- Balance tax assumptions with insurance and financing terms for accurate payment planning.
Virginia County and Locality Pages
County-level records are still expanding for Virginia. Use the statewide estimate tool for now.
Need the National View?
Return to the national Property Tax Calculator to compare across states and scenarios.
Methodology and Data Sources
- Tax Foundation Facts & Figures: Property Tax as Percent of Home Value - State-level effective property tax rates (Updated: 2026-02-19)
- HUD/FHA Mortgagee Letter 2025-23 - 2026 FHA floor and high-cost ceiling frameworks (1-4 unit) (Updated: 2026-01-01)
Educational guidance only. Final loan terms and eligibility vary by county limits, credit, income, property profile, and lender guidelines.