The typical owner-occupied home in Breaks is worth about $46,100, 88% below the Virginia median of $383,700 and 86% below the national median of $332,700. Owners pay a median $261 a year in property taxes, about 0.57% of their home's value, lower than the Virginia rate of 0.73%. The median household earns $125,938 a year, so the median home costs 0.4 times the median income (4.1 times for Virginia). 89% of occupied homes here are lived in by their owners, and 9% of those owners still have a mortgage.
Breaks at a glance
| Breaks | Virginia | U.S. | |
|---|---|---|---|
| Median home value | $46,100 | $383,700 | $332,700 |
| Median property tax paid per year | $261 | $2,790 | $3,119 |
| Property tax as a share of value | 0.57% | 0.73% | 0.94% |
| Median household income | $125,938 | $93,170 | $80,734 |
| Homes lived in by their owners | 89% | 67% | 65% |
| Owner homes with a mortgage | 9% | 67% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,127 | $1,963 |
| Median rent | – | $1,579 | $1,413 |
| Median year homes were built | 1991 | 1984 | 1980 |
| Vacant homes | 11.3% | 8.7% | 10.1% |
| Population | 208 | 8,705,170 | 334,922,499 |
What a typical home costs per month in Breaks
At this week's average 30-year rate of 7.11%, buying the median Breaks home of $46,100 with 20% down costs about $289 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $366, 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 $12,394 for the 20%-down payment. That payment is 3% of the median Breaks household income of $125,938; at that income and 20% down, the 28% guideline points to a home of about $468,000.
| Down payment | $9,220 |
|---|---|
| Loan amount | $36,880 |
| Principal and interest | $248 |
| Property taxes (0.57% a year) | $22 |
| Homeowners insurance (our estimate, 0.5% a year) | $19 |
| PMI | $0 |
| Total per month | $289 |
Change the numbers in the calculator
| Down payment | $1,614 |
|---|---|
| Loan amount | $45,265 |
| Principal and interest | $304 |
| Property taxes (0.57% a year) | $22 |
| Homeowners insurance (our estimate, 0.5% a year) | $19 |
| FHA mortgage insurance | $20 |
| Total per month | $366 |
Change the numbers in the calculator
Questions about home buying in Breaks
What is the median home value in Breaks?
About $46,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Breaks?
Homeowners pay a median $261 a year, which is about 0.57% 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 Breaks?
For the median home with 20% down at 7.11%, the payment is about $289 a month. Keeping that under 28% of gross income takes about $12,394 a year.
More about Breaks
- Mortgage Refinance in Breaks
- Debt Relief in Breaks
- Home Equity Loans in Breaks
- 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