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.
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Home Value$420,215
+0.5%
Rent$2,110/mo
AFFORDABILITYRenting $435/mo cheaper ($2,110 rent)6.50% 30yr, 20% down, county tax + VA ins. 28% per HUD.
Enter your income for Stephens City.
$84,043 on $420,215
Out of reach — 40.7% of income
Need $109,071/yr to afford.
PITI$2,545
P/I40.7%
Afford$289K
Gap-$131K
P&I $2,125Tax $287Ins $133
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Virginia
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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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