The typical owner-occupied home in Esmont is worth about $205,700, 46% below the Virginia median of $383,700 and 38% below the national median of $332,700. Owners pay a median $2,056 a year in property taxes, about 1.00% of their home's value, higher than the Virginia rate of 0.73%. 83% of occupied homes here are lived in by their owners, and 53% of those owners still have a mortgage.
Esmont at a glance
| Esmont | Virginia | U.S. | |
|---|---|---|---|
| Median home value | $205,700 | $383,700 | $332,700 |
| Median property tax paid per year | $2,056 | $2,790 | $3,119 |
| Property tax as a share of value | 1.00% | 0.73% | 0.94% |
| Median household income | – | $93,170 | $80,734 |
| Homes lived in by their owners | 83% | 67% | 65% |
| Owner homes with a mortgage | 53% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,305 | $2,127 | $1,963 |
| Those costs as a share of the owners' income | 11.8% | 20.1% | 21.0% |
| Median rent | – | $1,579 | $1,413 |
| Median year homes were built | 1972 | 1984 | 1980 |
| Vacant homes | 0.0% | 8.7% | 10.1% |
| Population | 751 | 8,705,170 | 334,922,499 |
What a typical home costs per month in Esmont
At this week's average 30-year rate of 7.11%, buying the median Esmont home of $205,700 with 20% down costs about $1,364 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,707, 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 $58,463 for the 20%-down payment.
| Down payment | $41,140 |
|---|---|
| Loan amount | $164,560 |
| Principal and interest | $1,107 |
| Property taxes (1.00% a year) | $171 |
| Homeowners insurance (our estimate, 0.5% a year) | $86 |
| PMI | $0 |
| Total per month | $1,364 |
Change the numbers in the calculator
| Down payment | $7,200 |
|---|---|
| Loan amount | $201,974 |
| Principal and interest | $1,359 |
| Property taxes (1.00% a year) | $171 |
| Homeowners insurance (our estimate, 0.5% a year) | $86 |
| FHA mortgage insurance | $91 |
| Total per month | $1,707 |
Change the numbers in the calculator
Questions about home buying in Esmont
What is the median home value in Esmont?
About $205,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Esmont?
Homeowners pay a median $2,056 a year, which is about 1.00% 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 Esmont?
For the median home with 20% down at 7.11%, the payment is about $1,364 a month. Keeping that under 28% of gross income takes about $58,463 a year.
More about Esmont
- Mortgage Refinance in Esmont
- Debt Relief in Esmont
- Home Equity Loans in Esmont
- 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