The typical owner-occupied home in Ruckersville is worth about $407,800, 6% above the Virginia median of $383,700 and 23% above the national median of $332,700. Owners pay a median $2,167 a year in property taxes, about 0.53% of their home's value, lower than the Virginia rate of 0.73%. The median household earns $101,875 a year, so the median home costs 4.0 times the median income (4.1 times for Virginia). 84% of occupied homes here are lived in by their owners, and 72% of those owners still have a mortgage.
Ruckersville at a glance
| Ruckersville | Virginia | U.S. | |
|---|---|---|---|
| Median home value | $407,800 | $383,700 | $332,700 |
| Median property tax paid per year | $2,167 | $2,790 | $3,119 |
| Property tax as a share of value | 0.53% | 0.73% | 0.94% |
| Median household income | $101,875 | $93,170 | $80,734 |
| Homes lived in by their owners | 84% | 67% | 65% |
| Owner homes with a mortgage | 72% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,135 | $2,127 | $1,963 |
| Those costs as a share of the owners' income | 19.8% | 20.1% | 21.0% |
| Median rent | – | $1,579 | $1,413 |
| Rent as a share of renters' income | 17.2% | 29.4% | 30.6% |
| Median year homes were built | 2003 | 1984 | 1980 |
| Vacant homes | 0.0% | 8.7% | 10.1% |
| Population | 1,399 | 8,705,170 | 334,922,499 |
What a typical home costs per month in Ruckersville
At this week's average 30-year rate of 7.11%, buying the median Ruckersville home of $407,800 with 20% down costs about $2,545 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,224, 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 $109,057 for the 20%-down payment. That payment is 30% of the median Ruckersville household income of $101,875; at that income and 20% down, the 28% guideline points to a home of about $381,000.
| Down payment | $81,560 |
|---|---|
| Loan amount | $326,240 |
| Principal and interest | $2,195 |
| Property taxes (0.53% a year) | $180 |
| Homeowners insurance (our estimate, 0.5% a year) | $170 |
| PMI | $0 |
| Total per month | $2,545 |
Change the numbers in the calculator
| Down payment | $14,273 |
|---|---|
| Loan amount | $400,414 |
| Principal and interest | $2,694 |
| Property taxes (0.53% a year) | $180 |
| Homeowners insurance (our estimate, 0.5% a year) | $170 |
| FHA mortgage insurance | $180 |
| Total per month | $3,224 |
Change the numbers in the calculator
Questions about home buying in Ruckersville
What is the median home value in Ruckersville?
About $407,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ruckersville?
Homeowners pay a median $2,167 a year, which is about 0.53% 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 Ruckersville?
For the median home with 20% down at 7.11%, the payment is about $2,545 a month. Keeping that under 28% of gross income takes about $109,057 a year.
More about Ruckersville
- Mortgage Refinance in Ruckersville
- Debt Relief in Ruckersville
- Home Equity Loans in Ruckersville
- 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