The median home in Charlottesville, Virginia is valued at $503,578, up 0.6% year over year. Typical monthly rent is $1,924, producing a price-to-rent ratio of 21.8x — well above the national average of 18x. Charlottesville is part of the Charlottesville, VA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$503,578

+0.6%

Rent$1,924/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Charlottesville.

Income (annual)

Down Payment

$100,716 on $503,578

Example: $75,000 household income. Change it above to see your own.

Out of reach48.4% of income

Need $129,600/yr to afford.

PITI$3,024

P/I48.4%

Afford$291K

Gap-$212K

P&I $2,546Tax $344Ins $133

Renting $1,100/mo cheaper ($1,924 rent)6.50% 30yr, 20% down, county tax + VA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Virginia

Compare Charlottesville with other housing markets across Virginia.

Great Falls$1.63M McLean$1.42M Waterford$1.28M Dunn Loring$1.19M Upperville$1.14M Vienna$1.13M Middleburg$1.11M Aldie$1.08M

Full Charlottesville, VA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Charlottesville, VA metro.

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