What Are Today’s Mortgage Rates in Virginia?
For Sunday, September 19, 2021, here are the current mortgage rates in Virginia. The average 30-year fixed mortgage rate is 3.020%. The average 30-year fixed mortgage refinance rate is 3.020%. Today, the average 15-year fixed mortgage rate is 2.290%.
Looking at variable rate loans, the average 5/1 adjustable-rate mortgage (ARM) rate is %.
This information is from Bankrate’s latest survey of the nation’s largest mortgage lenders.
Current Mortgage Rates in Virginia
| Loan Type | Rate |
|---|---|
| 30-year Fixed | 3.020% |
| 15-year Fixed | 2.290% |
| 5/1 ARM | % |
| 30-Year Refi | 3.020% |
First-Time Homebuyer Programs in Virginia
Virginia has several programs available to first-time home buyers, or anyone who hasn’t owned a home in the past three years. If you fall under the household income limits you may be eligible for assistance with closing costs or your down payment.
Down Payment Assistance Grant: You can receive 2% to 2.5% of the purchase price as a grant. This gift is available only for first-time homebuyers and has income limits which vary by county.
Closing Cost Assistance Grant: If you’re taking out a VA loan or Virginia Rural Housing Services (RHS) loan you can qualify for closing cost assistance of 2% of the smaller of the purchase price or appraised value. These funds are also given to the homebuyer as grant.
VHDA Plus Second Mortgage: This assistance is a 30-year mortgage for 3% to 5% of the home’s purchase price. It can cover the entire down payment and may be paired with other types of homebuyer assistance. You’ll need to meet the income limits and be using an eligible Virginia Housing loan product.
HOMEownership Down Payment and Closing Cost Assistance program: Eligible homebuyers can receive 10% or 15% of the sale price as a grant for the down payment. In addition, you can get up to $2,500 to help pay for closing costs.
Virginia Mortgage Taxes
You are able to deduct your mortgage interest from your federal and state taxes if you live in Virginia. However, this only applies if you are itemizing your expenses instead of taking the standard deduction. And Virginia is in the middle when it comes to the average property taxes with an effective tax rate or 0.84%, according to the Tax Foundation.
If you are a first-time homebuyer, you may qualify for a Mortgage Credit Certificate (MCC). With an MCC you can get a credit for 10% of the yearly mortgage interest you pay. This credit is valid for the life of the loan, but you need to meet the household income and loan size limits to be eligible.
Virginia Mortgage Refinancing
Refinancing in Virginia is essentially the same as in other states, however there is a state law which could make it easier to refinance if you have a second mortgage. If you happen to have a second loan on your home, such as a home equity loan, a lender will want its loan to take priority over the secondary loan. The law allows a refinanced mortgage to keep its position ahead of other loans. This is less risky for the lender because then it would get paid first in the case of bankruptcy or default.
Any time you refinance a home loan you should also pay attention to the fees you’re paying, not just the refinance rate. Refinance closing costs can be 3% to 6% of the loan balance, so you need to ensure you’ll be staying in the home long enough for any monthly savings to outweigh the upfront costs. To calculate your break even point, just take the fees and divide them by your monthly savings. So if you paid $10,000 in fees and are saving $250 a month, it would take you 40 months (over three years) to break even.
Conforming and FHA Loan Limits by County
Every year the Federal Housing Finance Agency sets guidelines for what qualifies as a conforming loan. Conforming loans are less risky for lenders because they can be sold to Fannie Mae or Freddie Mac, two government-sponsored enterprises. So a conforming loan will typically have a more favorable rate than a non-conforming loan. Here are the conforming loan limits for each county in Virginia:
VIRGINIA 2021 CONFORMING LOAN LIMITS BY COUNTY
| COUNTY | ONE-UNIT | TWO-UNIT | THREE-UNIT | FOUR-UNIT |
|---|---|---|---|---|
| ACCOMACK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ALBEMARLE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ALLEGHANY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| AMELIA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| AMHERST | $548,250 | $702,000 | $848,500 | $1,054,500 |
| APPOMATTOX | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ARLINGTON | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| AUGUSTA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BATH | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BEDFORD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BLAND | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BOTETOURT | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BRUNSWICK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BUCHANAN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BUCKINGHAM | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CAMPBELL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CAROLINE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CARROLL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CHARLES CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CHARLOTTE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CHESTERFIELD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CLARKE | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CRAIG | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CULPEPER | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CUMBERLAND | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DICKENSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DINWIDDIE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ESSEX | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FAIRFAX | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| FAUQUIER | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| FLOYD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FLUVANNA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FRANKLIN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FREDERICK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GILES | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GLOUCESTER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GOOCHLAND | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GRAYSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GREENE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| GREENSVILLE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HALIFAX | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HANOVER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HENRICO | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HENRY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HIGHLAND | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ISLE OF WIGHT | $548,250 | $702,000 | $848,500 | $1,054,500 |
| JAMES CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KING AND QUEEN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KING GEORGE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| KING WILLIAM | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LANCASTER | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LEE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LOUDOUN | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| LOUISA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LUNENBURG | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MADISON | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| MATHEWS | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MECKLENBURG | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MIDDLESEX | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MONTGOMERY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NELSON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NEW KENT | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NORTHAMPTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NORTHUMBERLAND | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NOTTOWAY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ORANGE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PAGE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PATRICK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PITTSYLVANIA | $548,250 | $702,000 | $848,500 | $1,054,500 |
| POWHATAN | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PRINCE EDWARD | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PRINCE GEORGE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PRINCE WILLIAM | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| PULASKI | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RAPPAHANNOCK | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| RICHMOND | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ROANOKE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ROCKBRIDGE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ROCKINGHAM | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RUSSELL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SCOTT | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SHENANDOAH | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SMYTH | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SOUTHAMPTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SPOTSYLVANIA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| STAFFORD | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| SURRY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SUSSEX | $548,250 | $702,000 | $848,500 | $1,054,500 |
| TAZEWELL | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WARREN | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| WASHINGTON | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WESTMORELAND | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WISE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WYTHE | $548,250 | $702,000 | $848,500 | $1,054,500 |
| YORK | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ALEXANDRIA CITY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| BRISTOL CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| BUENA VISTA CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CHARLOTTESVILLE CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| CHESAPEAKE CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COLONIAL HEIGHTS CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| COVINGTON CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| DANVILLE CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| EMPORIA CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FAIRFAX CITY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| FALLS CHURCH CITY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| FRANKLIN CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| FREDERICKSBURG CITY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| GALAX CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HAMPTON CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HARRISONBURG CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| HOPEWELL CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LEXINGTON CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| LYNCHBURG CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| MANASSAS CITY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| MANASSAS PARK CITY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| MARTINSVILLE CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NEWPORT NEWS CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NORFOLK CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| NORTON CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PETERSBURG CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| POQUOSON CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| PORTSMOUTH CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RADFORD CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| RICHMOND CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| ROANOKE CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SALEM CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| STAUNTON CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| SUFFOLK CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| VIRGINIA BEACH CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WAYNESBORO CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WILLIAMSBURG CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
| WINCHESTER CITY | $548,250 | $702,000 | $848,500 | $1,054,500 |
Some government-secured loans also have limits on the size of the mortgage. These caps differ from conforming loan limits and also vary depending on homes prices of the surrounding area.
The 2021 FHA loan limits for Virginia are:
VIRGINIA 2021 FHA LOAN LIMITS BY COUNTY
| COUNTY | ONE-UNIT | TWO-UNIT | THREE-UNIT | FOUR-UNIT |
|---|---|---|---|---|
| ACCOMACK | $356,362 | $456,275 | $551,500 | $685,400 |
| ALBEMARLE | $437,000 | $559,450 | $676,200 | $840,400 |
| ALEXANDRIA CITY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| ALLEGHANY | $356,362 | $456,275 | $551,500 | $685,400 |
| AMELIA | $535,900 | $686,050 | $829,250 | $1,030,600 |
| AMHERST | $356,362 | $456,275 | $551,500 | $685,400 |
| APPOMATTOX | $356,362 | $456,275 | $551,500 | $685,400 |
| ARLINGTON | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| AUGUSTA | $356,362 | $456,275 | $551,500 | $685,400 |
| BATH | $356,362 | $456,275 | $551,500 | $685,400 |
| BEDFORD | $356,362 | $456,275 | $551,500 | $685,400 |
| BLAND | $356,362 | $456,275 | $551,500 | $685,400 |
| BOTETOURT | $356,362 | $456,275 | $551,500 | $685,400 |
| BRISTOL CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| BRUNSWICK | $356,362 | $456,275 | $551,500 | $685,400 |
| BUCHANAN | $356,362 | $456,275 | $551,500 | $685,400 |
| BUCKINGHAM | $356,362 | $456,275 | $551,500 | $685,400 |
| BUENA VISTA CIT | $356,362 | $456,275 | $551,500 | $685,400 |
| CAMPBELL | $356,362 | $456,275 | $551,500 | $685,400 |
| CAROLINE | $356,362 | $456,275 | $551,500 | $685,400 |
| CARROLL | $356,362 | $456,275 | $551,500 | $685,400 |
| CHARLES CITY | $535,900 | $686,050 | $829,250 | $1,030,600 |
| CHARLOTTE | $356,362 | $456,275 | $551,500 | $685,400 |
| CHARLOTTESVILLE | $437,000 | $559,450 | $676,200 | $840,400 |
| CHESAPEAKE CITY | $458,850 | $587,400 | $710,050 | $882,400 |
| CHESTERFIELD | $535,900 | $686,050 | $829,250 | $1,030,600 |
| CLARKE | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| COLONIAL HEIGHT | $535,900 | $686,050 | $829,250 | $1,030,600 |
| COVINGTON CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| CRAIG | $356,362 | $456,275 | $551,500 | $685,400 |
| CULPEPER | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| CUMBERLAND | $356,362 | $456,275 | $551,500 | $685,400 |
| DANVILLE CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| DICKENSON | $356,362 | $456,275 | $551,500 | $685,400 |
| DINWIDDIE | $535,900 | $686,050 | $829,250 | $1,030,600 |
| EMPORIA CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| ESSEX | $356,362 | $456,275 | $551,500 | $685,400 |
| FAIRFAX | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| FAIRFAX CITY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| FALLS CHURCH | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| FAUQUIER | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| FLOYD | $356,362 | $456,275 | $551,500 | $685,400 |
| FLUVANNA | $437,000 | $559,450 | $676,200 | $840,400 |
| FRANKLIN | $356,362 | $456,275 | $551,500 | $685,400 |
| FRANKLIN CITY | $458,850 | $587,400 | $710,050 | $882,400 |
| FREDERICK | $356,362 | $456,275 | $551,500 | $685,400 |
| FREDERICKSBURG | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| GALAX CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| GILES | $356,362 | $456,275 | $551,500 | $685,400 |
| GLOUCESTER | $458,850 | $587,400 | $710,050 | $882,400 |
| GOOCHLAND | $535,900 | $686,050 | $829,250 | $1,030,600 |
| GRAYSON | $356,362 | $456,275 | $551,500 | $685,400 |
| GREENE | $437,000 | $559,450 | $676,200 | $840,400 |
| GREENSVILLE | $356,362 | $456,275 | $551,500 | $685,400 |
| HALIFAX | $356,362 | $456,275 | $551,500 | $685,400 |
| HAMPTON CITY | $458,850 | $587,400 | $710,050 | $882,400 |
| HANOVER | $535,900 | $686,050 | $829,250 | $1,030,600 |
| HARRISONBURG | $356,362 | $456,275 | $551,500 | $685,400 |
| HENRICO | $535,900 | $686,050 | $829,250 | $1,030,600 |
| HENRY | $356,362 | $456,275 | $551,500 | $685,400 |
| HIGHLAND | $356,362 | $456,275 | $551,500 | $685,400 |
| HOPEWELL CITY | $535,900 | $686,050 | $829,250 | $1,030,600 |
| ISLE OF WIGHT | $458,850 | $587,400 | $710,050 | $882,400 |
| JAMES CITY | $458,850 | $587,400 | $710,050 | $882,400 |
| KING AND QUEEN | $535,900 | $686,050 | $829,250 | $1,030,600 |
| KING GEORGE | $358,800 | $459,300 | $555,200 | $690,000 |
| KING WILLIAM | $535,900 | $686,050 | $829,250 | $1,030,600 |
| LANCASTER | $442,750 | $566,800 | $685,100 | $851,450 |
| LEE | $356,362 | $456,275 | $551,500 | $685,400 |
| LEXINGTON CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| LOUDOUN | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| LOUISA | $356,362 | $456,275 | $551,500 | $685,400 |
| LUNENBURG | $356,362 | $456,275 | $551,500 | $685,400 |
| LYNCHBURG CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| MADISON | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| MANASSAS CITY | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| MANASSAS PARK | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| MARTINSVILLE | $356,362 | $456,275 | $551,500 | $685,400 |
| MATHEWS | $458,850 | $587,400 | $710,050 | $882,400 |
| MECKLENBURG | $356,362 | $456,275 | $551,500 | $685,400 |
| MIDDLESEX | $356,362 | $456,275 | $551,500 | $685,400 |
| MONTGOMERY | $356,362 | $456,275 | $551,500 | $685,400 |
| NELSON | $437,000 | $559,450 | $676,200 | $840,400 |
| NEW KENT | $535,900 | $686,050 | $829,250 | $1,030,600 |
| NEWPORT NEWS | $458,850 | $587,400 | $710,050 | $882,400 |
| NORFOLK CITY | $458,850 | $587,400 | $710,050 | $882,400 |
| NORTHAMPTON | $356,362 | $456,275 | $551,500 | $685,400 |
| NORTHUMBERLAND | $356,362 | $456,275 | $551,500 | $685,400 |
| NORTON CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| NOTTOWAY | $356,362 | $456,275 | $551,500 | $685,400 |
| ORANGE | $356,362 | $456,275 | $551,500 | $685,400 |
| PAGE | $356,362 | $456,275 | $551,500 | $685,400 |
| PATRICK | $356,362 | $456,275 | $551,500 | $685,400 |
| PETERSBURG CITY | $535,900 | $686,050 | $829,250 | $1,030,600 |
| PITTSYLVANIA | $356,362 | $456,275 | $551,500 | $685,400 |
| POQUOSON CITY | $458,850 | $587,400 | $710,050 | $882,400 |
| PORTSMOUTH CITY | $458,850 | $587,400 | $710,050 | $882,400 |
| POWHATAN | $535,900 | $686,050 | $829,250 | $1,030,600 |
| PRINCE EDWARD | $356,362 | $456,275 | $551,500 | $685,400 |
| PRINCE GEORGE | $535,900 | $686,050 | $829,250 | $1,030,600 |
| PRINCE WILLIAM | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| PULASKI | $356,362 | $456,275 | $551,500 | $685,400 |
| RADFORD CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| RAPPAHANNOCK | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| RICHMOND | $356,362 | $456,275 | $551,500 | $685,400 |
| RICHMOND CITY | $535,900 | $686,050 | $829,250 | $1,030,600 |
| ROANOKE | $356,362 | $456,275 | $551,500 | $685,400 |
| ROANOKE CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| ROCKBRIDGE | $356,362 | $456,275 | $551,500 | $685,400 |
| ROCKINGHAM | $356,362 | $456,275 | $551,500 | $685,400 |
| RUSSELL | $356,362 | $456,275 | $551,500 | $685,400 |
| SALEM CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| SCOTT | $356,362 | $456,275 | $551,500 | $685,400 |
| SHENANDOAH | $356,362 | $456,275 | $551,500 | $685,400 |
| SMYTH | $356,362 | $456,275 | $551,500 | $685,400 |
| SOUTHAMPTON | $458,850 | $587,400 | $710,050 | $882,400 |
| SPOTSYLVANIA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| STAFFORD | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| STAUNTON CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| SUFFOLK CITY | $458,850 | $587,400 | $710,050 | $882,400 |
| SURRY | $356,362 | $456,275 | $551,500 | $685,400 |
| SUSSEX | $535,900 | $686,050 | $829,250 | $1,030,600 |
| TAZEWELL | $356,362 | $456,275 | $551,500 | $685,400 |
| VIRGINIA BEACH | $458,850 | $587,400 | $710,050 | $882,400 |
| WARREN | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| WASHINGTON | $356,362 | $456,275 | $551,500 | $685,400 |
| WAYNESBORO CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| WESTMORELAND | $356,362 | $456,275 | $551,500 | $685,400 |
| WILLIAMSBURG | $458,850 | $587,400 | $710,050 | $882,400 |
| WINCHESTER CITY | $356,362 | $456,275 | $551,500 | $685,400 |
| WISE | $356,362 | $456,275 | $551,500 | $685,400 |
| WYTHE | $356,362 | $456,275 | $551,500 | $685,400 |
| YORK | $458,850 | $587,400 | $710,050 | $882,400 |
