The typical owner-occupied home in Moneta is worth about $232,200, 39% below the Virginia median of $383,700 and 30% below the national median of $332,700. Owners pay a median $1,555 a year in property taxes, about 0.67% of their home's value, lower than the Virginia rate of 0.73%. 70% of occupied homes here are lived in by their owners, and 80% of those owners still have a mortgage.
Moneta at a glance
| Moneta | Virginia | U.S. | |
|---|---|---|---|
| Median home value | $232,200 | $383,700 | $332,700 |
| Median property tax paid per year | $1,555 | $2,790 | $3,119 |
| Property tax as a share of value | 0.67% | 0.73% | 0.94% |
| Median household income | – | $93,170 | $80,734 |
| Homes lived in by their owners | 70% | 67% | 65% |
| Owner homes with a mortgage | 80% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,140 | $2,127 | $1,963 |
| Those costs as a share of the owners' income | 23.8% | 20.1% | 21.0% |
| Median rent | $1,363 | $1,579 | $1,413 |
| Rent as a share of renters' income | 51.0% | 29.4% | 30.6% |
| Median year homes were built | 2007 | 1984 | 1980 |
| Vacant homes | 0.0% | 8.7% | 10.1% |
| Population | 395 | 8,705,170 | 334,922,499 |
What a typical home costs per month in Moneta
At this week's average 30-year rate of 7.11%, buying the median Moneta home of $232,200 with 20% down costs about $1,476 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,863, 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 $63,258 for the 20%-down payment.
The median rent here is $1,363 a month, so owning the median home costs about $113 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $46,440 |
|---|---|
| Loan amount | $185,760 |
| Principal and interest | $1,250 |
| Property taxes (0.67% a year) | $130 |
| Homeowners insurance (our estimate, 0.5% a year) | $97 |
| PMI | $0 |
| Total per month | $1,476 |
Change the numbers in the calculator
| Down payment | $8,127 |
|---|---|
| Loan amount | $227,994 |
| Principal and interest | $1,534 |
| Property taxes (0.67% a year) | $130 |
| Homeowners insurance (our estimate, 0.5% a year) | $97 |
| FHA mortgage insurance | $103 |
| Total per month | $1,863 |
Change the numbers in the calculator
Questions about home buying in Moneta
What is the median home value in Moneta?
About $232,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Moneta?
Homeowners pay a median $1,555 a year, which is about 0.67% 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 Moneta?
For the median home with 20% down at 7.11%, the payment is about $1,476 a month. Keeping that under 28% of gross income takes about $63,258 a year.
More about Moneta
- Mortgage Refinance in Moneta
- Debt Relief in Moneta
- Home Equity Loans in Moneta
- 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