The typical owner-occupied home in Virgie is worth about $209,200, about the same as the Kentucky median of $205,600 and 37% below the national median of $332,700. 100% of occupied homes here are lived in by their owners, and 61% of those owners still have a mortgage.
Virgie at a glance
| Virgie | Kentucky | U.S. | |
|---|---|---|---|
| Median home value | $209,200 | $205,600 | $332,700 |
| Median property tax paid per year | – | $1,544 | $3,119 |
| Median household income | – | $63,726 | $80,734 |
| Homes lived in by their owners | 100% | 68% | 65% |
| Owner homes with a mortgage | 61% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,433 | $1,963 |
| Median rent | – | $967 | $1,413 |
| Median year homes were built | 2003 | 1982 | 1980 |
| Vacant homes | 29.5% | 10.3% | 10.1% |
| Population | 424 | 4,534,824 | 334,922,499 |
What a typical home costs per month in Virgie
At this week's average 30-year rate of 7.11%, buying the median Virgie home of $209,200 with 20% down costs about $1,405 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,753, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $60,204 for the 20%-down payment.
| Down payment | $41,840 |
|---|---|
| Loan amount | $167,360 |
| Principal and interest | $1,126 |
| Property taxes (1.10% a year) | $192 |
| Homeowners insurance (our estimate, 0.5% a year) | $87 |
| PMI | $0 |
| Total per month | $1,405 |
Change the numbers in the calculator
| Down payment | $7,322 |
|---|---|
| Loan amount | $205,411 |
| Principal and interest | $1,382 |
| Property taxes (1.10% a year) | $192 |
| Homeowners insurance (our estimate, 0.5% a year) | $87 |
| FHA mortgage insurance | $93 |
| Total per month | $1,753 |
Change the numbers in the calculator
Questions about home buying in Virgie
What is the median home value in Virgie?
About $209,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Virgie?
For the median home with 20% down at 7.11%, the payment is about $1,405 a month. Keeping that under 28% of gross income takes about $60,204 a year.
More about Virgie
- Mortgage Refinance in Virgie
- Debt Relief in Virgie
- Home Equity Loans in Virgie
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data