Staunton city, Virginia: What It Costs to Buy a Home
The median home in Staunton city is worth $239,300, property taxes on it run about $1,696 a year (0.71%), the FHA loan limit is $541,287, and closing on it means about $798 in transfer tax plus $1,210 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $239,300 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,696 a year, 0.71% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $798 | Virginia transfer tax page → |
| Title insurance on the median home | $960 owner's + $250 lender's | Title insurance page → |
| Closing costs from these items | $2,008 | Closing costs page → |
| Area median income (HUD, family of 4) | $98,500; low-income limit $78,800 | Income limits page → |
Frequently asked questions
How much do homes cost in Staunton city?
The median owner-occupied home in Staunton city is valued at $239,300, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Staunton city?
The median Staunton city homeowner pays $1,696 a year in real estate taxes, about 0.71% of the median home value ($1,657 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Staunton city?
$541,287 for a one-unit home in 2026 (the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Staunton city?
On the $239,300 median home: transfer tax $798, title insurance $1,210 for both policies, about $2,008 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Staunton city?
HUD's FY 2026 median family income for Staunton city (Staunton-Stuarts Draft, VA MSA) is $98,500. A family of four counts as low income below $78,800 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Virginia counties
- Southampton County $208,800
- Spotsylvania County $375,000
- Stafford County $458,800
- Suffolk city $329,600
- Surry County $235,200
- Sussex County $178,500
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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