The typical owner-occupied home in York County is worth about $433,200, 13% above the Virginia median of $383,700 and 30% above the national median of $332,700. Owners pay a median $2,794 a year in property taxes, about 0.64% of their home's value, lower than the Virginia rate of 0.73%. The median household earns $109,956 a year, so the median home costs 3.9 times the median income (4.1 times for Virginia). 72% of occupied homes here are lived in by their owners, and 70% of those owners still have a mortgage.
York County at a glance
| York County | Virginia | U.S. | |
|---|---|---|---|
| Median home value | $433,200 | $383,700 | $332,700 |
| Median property tax paid per year | $2,794 | $2,790 | $3,119 |
| Property tax as a share of value | 0.64% | 0.73% | 0.94% |
| Median household income | $109,956 | $93,170 | $80,734 |
| Homes lived in by their owners | 72% | 67% | 65% |
| Owner homes with a mortgage | 70% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,250 | $2,127 | $1,963 |
| Those costs as a share of the owners' income | 19.7% | 20.1% | 21.0% |
| Median rent | $1,827 | $1,579 | $1,413 |
| Rent as a share of renters' income | 29.8% | 29.4% | 30.6% |
| Median year homes were built | 1992 | 1984 | 1980 |
| Vacant homes | 5.4% | 8.7% | 10.1% |
| Population | 71,005 | 8,705,170 | 334,922,499 |
What a typical home costs per month in York County
At this week's average 30-year rate of 7.11%, buying the median York County home of $433,200 with 20% down costs about $2,743 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,465, 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 $117,552 for the 20%-down payment. That payment is 30% of the median York County household income of $109,956; at that income and 20% down, the 28% guideline points to a home of about $405,000.
The median rent here is $1,827 a month, so owning the median home costs about $916 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $86,640 |
|---|---|
| Loan amount | $346,560 |
| Principal and interest | $2,331 |
| Property taxes (0.64% a year) | $231 |
| Homeowners insurance (our estimate, 0.5% a year) | $180 |
| PMI | $0 |
| Total per month | $2,743 |
Change the numbers in the calculator
| Down payment | $15,162 |
|---|---|
| Loan amount | $425,354 |
| Principal and interest | $2,861 |
| Property taxes (0.64% a year) | $231 |
| Homeowners insurance (our estimate, 0.5% a year) | $180 |
| FHA mortgage insurance | $192 |
| Total per month | $3,465 |
Change the numbers in the calculator
Questions about home buying in York County
What is the median home value in York County?
About $433,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in York County?
Homeowners pay a median $2,794 a year, which is about 0.64% 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 York County?
For the median home with 20% down at 7.11%, the payment is about $2,743 a month. Keeping that under 28% of gross income takes about $117,552 a year.
More about York County
- Mortgage Refinance in York County
- Debt Relief in York County
- Home Equity Loans in York County
- 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