The typical owner-occupied home in Stuart is worth about $182,500, 52% below the Virginia median of $383,700 and 45% below the national median of $332,700. Owners pay a median $980 a year in property taxes, about 0.54% of their home's value, lower than the Virginia rate of 0.73%. The median household earns $45,625 a year, so the median home costs 4.0 times the median income (4.1 times for Virginia). 52% of occupied homes here are lived in by their owners, and 47% of those owners still have a mortgage.
Stuart at a glance
| Stuart | Virginia | U.S. | |
|---|---|---|---|
| Median home value | $182,500 | $383,700 | $332,700 |
| Median property tax paid per year | $980 | $2,790 | $3,119 |
| Property tax as a share of value | 0.54% | 0.73% | 0.94% |
| Median household income | $45,625 | $93,170 | $80,734 |
| Homes lived in by their owners | 52% | 67% | 65% |
| Owner homes with a mortgage | 47% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $1,442 | $2,127 | $1,963 |
| Those costs as a share of the owners' income | 17.5% | 20.1% | 21.0% |
| Median rent | $589 | $1,579 | $1,413 |
| Rent as a share of renters' income | 29.7% | 29.4% | 30.6% |
| Median year homes were built | 1970 | 1984 | 1980 |
| Vacant homes | 15.7% | 8.7% | 10.1% |
| Population | 1,952 | 8,705,170 | 334,922,499 |
What a typical home costs per month in Stuart
At this week's average 30-year rate of 7.11%, buying the median Stuart home of $182,500 with 20% down costs about $1,140 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,444, 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 $48,871 for the 20%-down payment. That payment is 30% of the median Stuart household income of $45,625; at that income and 20% down, the 28% guideline points to a home of about $170,000.
The median rent here is $589 a month, so owning the median home costs about $551 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $36,500 |
|---|---|
| Loan amount | $146,000 |
| Principal and interest | $982 |
| Property taxes (0.54% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| PMI | $0 |
| Total per month | $1,140 |
Change the numbers in the calculator
| Down payment | $6,388 |
|---|---|
| Loan amount | $179,194 |
| Principal and interest | $1,205 |
| Property taxes (0.54% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| FHA mortgage insurance | $81 |
| Total per month | $1,444 |
Change the numbers in the calculator
Questions about home buying in Stuart
What is the median home value in Stuart?
About $182,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Stuart?
Homeowners pay a median $980 a year, which is about 0.54% 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 Stuart?
For the median home with 20% down at 7.11%, the payment is about $1,140 a month. Keeping that under 28% of gross income takes about $48,871 a year.
More about Stuart
- Mortgage Refinance in Stuart
- Debt Relief in Stuart
- Home Equity Loans in Stuart
- 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