The typical owner-occupied home in Horntown is worth about $144,500, 62% below the Virginia median of $383,700 and 57% below the national median of $332,700. Owners pay a median $698 a year in property taxes, about 0.48% of their home's value, lower than the Virginia rate of 0.73%. 76% of occupied homes here are lived in by their owners, and 8% of those owners still have a mortgage.
Horntown at a glance
| Horntown | Virginia | U.S. | |
|---|---|---|---|
| Median home value | $144,500 | $383,700 | $332,700 |
| Median property tax paid per year | $698 | $2,790 | $3,119 |
| Property tax as a share of value | 0.48% | 0.73% | 0.94% |
| Median household income | – | $93,170 | $80,734 |
| Homes lived in by their owners | 76% | 67% | 65% |
| Owner homes with a mortgage | 8% | 67% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,127 | $1,963 |
| Median rent | – | $1,579 | $1,413 |
| Median year homes were built | 1997 | 1984 | 1980 |
| Vacant homes | 80.9% | 8.7% | 10.1% |
| Population | 466 | 8,705,170 | 334,922,499 |
What a typical home costs per month in Horntown
At this week's average 30-year rate of 7.11%, buying the median Horntown home of $144,500 with 20% down costs about $896 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,136, 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 $38,385 for the 20%-down payment.
| Down payment | $28,900 |
|---|---|
| Loan amount | $115,600 |
| Principal and interest | $778 |
| Property taxes (0.48% a year) | $58 |
| Homeowners insurance (our estimate, 0.5% a year) | $60 |
| PMI | $0 |
| Total per month | $896 |
Change the numbers in the calculator
| Down payment | $5,058 |
|---|---|
| Loan amount | $141,883 |
| Principal and interest | $954 |
| Property taxes (0.48% a year) | $58 |
| Homeowners insurance (our estimate, 0.5% a year) | $60 |
| FHA mortgage insurance | $64 |
| Total per month | $1,136 |
Change the numbers in the calculator
Questions about home buying in Horntown
What is the median home value in Horntown?
About $144,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Horntown?
Homeowners pay a median $698 a year, which is about 0.48% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Horntown?
For the median home with 20% down at 7.11%, the payment is about $896 a month. Keeping that under 28% of gross income takes about $38,385 a year.
More about Horntown
- Mortgage Refinance in Horntown
- Debt Relief in Horntown
- Home Equity Loans in Horntown
- 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