The median home in Stephens City, Virginia is valued at $420,215, up 0.5% year over year. Typical monthly rent is $2,110, producing a price-to-rent ratio of 16.6x — near the national average of 18x. Stephens City is part of the Winchester, VA-WV metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$420,215

+0.5%

Rent$2,110/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$84,043 on $420,215

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

Out of reach40.7% of income

Need $109,071/yr to afford.

PITI$2,545

P/I40.7%

Afford$289K

Gap-$131K

P&I $2,125Tax $287Ins $133

Renting $435/mo cheaper ($2,110 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 Stephens City 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 Winchester, VA-WV analysis

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

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Stephens City, VA