The typical owner-occupied home in Bath County is worth about $206,700, 46% below the Virginia median of $383,700 and 38% below the national median of $332,700. Owners pay a median $797 a year in property taxes, about 0.39% of their home's value, lower than the Virginia rate of 0.73%. The median household earns $56,184 a year, so the median home costs 3.7 times the median income (4.1 times for Virginia). 71% of occupied homes here are lived in by their owners, and 37% of those owners still have a mortgage.
Bath County at a glance
| Bath County | Virginia | U.S. | |
|---|---|---|---|
| Median home value | $206,700 | $383,700 | $332,700 |
| Median property tax paid per year | $797 | $2,790 | $3,119 |
| Property tax as a share of value | 0.39% | 0.73% | 0.94% |
| Median household income | $56,184 | $93,170 | $80,734 |
| Homes lived in by their owners | 71% | 67% | 65% |
| Owner homes with a mortgage | 37% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,322 | $2,127 | $1,963 |
| Those costs as a share of the owners' income | 20.5% | 20.1% | 21.0% |
| Median rent | $736 | $1,579 | $1,413 |
| Rent as a share of renters' income | 24.6% | 29.4% | 30.6% |
| Median year homes were built | 1977 | 1984 | 1980 |
| Vacant homes | 43.6% | 8.7% | 10.1% |
| Population | 4,100 | 8,705,170 | 334,922,499 |
What a typical home costs per month in Bath County
At this week's average 30-year rate of 7.11%, buying the median Bath County home of $206,700 with 20% down costs about $1,266 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,610, 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 $54,244 for the 20%-down payment. That payment is 27% of the median Bath County household income of $56,184; at that income and 20% down, the 28% guideline points to a home of about $214,000.
The median rent here is $736 a month, so owning the median home costs about $530 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $41,340 |
|---|---|
| Loan amount | $165,360 |
| Principal and interest | $1,112 |
| Property taxes (0.39% a year) | $67 |
| Homeowners insurance (our estimate, 0.5% a year) | $86 |
| PMI | $0 |
| Total per month | $1,266 |
Change the numbers in the calculator
| Down payment | $7,234 |
|---|---|
| Loan amount | $202,956 |
| Principal and interest | $1,365 |
| Property taxes (0.39% a year) | $67 |
| Homeowners insurance (our estimate, 0.5% a year) | $86 |
| FHA mortgage insurance | $91 |
| Total per month | $1,610 |
Change the numbers in the calculator
Questions about home buying in Bath County
What is the median home value in Bath County?
About $206,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bath County?
Homeowners pay a median $797 a year, which is about 0.39% 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 Bath County?
For the median home with 20% down at 7.11%, the payment is about $1,266 a month. Keeping that under 28% of gross income takes about $54,244 a year.
More about Bath County
- Mortgage Refinance in Bath County
- Debt Relief in Bath County
- Home Equity Loans in Bath County
- 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