The typical owner-occupied home in Sperryville is worth about $374,700, about the same as the Virginia median of $383,700 and 13% above the national median of $332,700. Owners pay a median $1,930 a year in property taxes, about 0.52% of their home's value, lower than the Virginia rate of 0.73%. 80% of occupied homes here are lived in by their owners, and 15% of those owners still have a mortgage.
Sperryville at a glance
| Sperryville | Virginia | U.S. | |
|---|---|---|---|
| Median home value | $374,700 | $383,700 | $332,700 |
| Median property tax paid per year | $1,930 | $2,790 | $3,119 |
| Property tax as a share of value | 0.52% | 0.73% | 0.94% |
| Median household income | – | $93,170 | $80,734 |
| Homes lived in by their owners | 80% | 67% | 65% |
| Owner homes with a mortgage | 15% | 67% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,127 | $1,963 |
| Median rent | $1,964 | $1,579 | $1,413 |
| Rent as a share of renters' income | 19.2% | 29.4% | 30.6% |
| Median year homes were built | 1965 | 1984 | 1980 |
| Vacant homes | 15.5% | 8.7% | 10.1% |
| Population | 358 | 8,705,170 | 334,922,499 |
What a typical home costs per month in Sperryville
At this week's average 30-year rate of 7.11%, buying the median Sperryville home of $374,700 with 20% down costs about $2,335 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,959, 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 $100,071 for the 20%-down payment.
The median rent here is $1,964 a month, so owning the median home costs about $371 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $74,940 |
|---|---|
| Loan amount | $299,760 |
| Principal and interest | $2,016 |
| Property taxes (0.52% a year) | $162 |
| Homeowners insurance (our estimate, 0.5% a year) | $156 |
| PMI | $0 |
| Total per month | $2,335 |
Change the numbers in the calculator
| Down payment | $13,114 |
|---|---|
| Loan amount | $367,913 |
| Principal and interest | $2,475 |
| Property taxes (0.52% a year) | $162 |
| Homeowners insurance (our estimate, 0.5% a year) | $156 |
| FHA mortgage insurance | $166 |
| Total per month | $2,959 |
Change the numbers in the calculator
Questions about home buying in Sperryville
What is the median home value in Sperryville?
About $374,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Sperryville?
Homeowners pay a median $1,930 a year, which is about 0.52% 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 Sperryville?
For the median home with 20% down at 7.11%, the payment is about $2,335 a month. Keeping that under 28% of gross income takes about $100,071 a year.
More about Sperryville
- Mortgage Refinance in Sperryville
- Debt Relief in Sperryville
- Home Equity Loans in Sperryville
- 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