Culpeper County, VA Average Home Price (2026)
The average home price in Culpeper County, Virginia is about $511,500 (the 2026 median across 10 ZIP codes, at ~$316/sq ft) — 52% more expensive than the Virginia median and 77% more expensive than the typical U.S. home.
How Culpeper County compares
Culpeper County is relatively expensive for housing nationally: its typical home costs $511,500 against $336,500 for Virginia and $289,000 for the U.S. Within the county, ZIP-level values run from about $394,000 to $2,227,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Culpeper County | $511,500 | $316 |
| Virginia | $336,500 | $221 |
| United States | $289,000 | $193 |
Culpeper County home prices by ZIP code
The 10 most valuable ZIP codes in Culpeper County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 22741 Stevensburg | $2,227,000 | $1172 | +335% |
| 22724 Jeffersonton | $646,000 | $205 | +26% |
| 22729 Mitchells | $604,000 | $318 | +18% |
| 22713 Boston | $548,000 | $347 | +7% |
| 22737 Rixeyville | $528,000 | $281 | +3% |
| 22736 Richardsville | $495,000 | $298 | -3% |
| 22718 Elkwood | $494,000 | $425 | -3% |
| 22726 Richardsville | $460,000 | $339 | -10% |
| 22701 Culpeper | $454,000 | $229 | -11% |
| 22733 Rapidan | $394,000 | $313 | -23% |
Home value appreciation in Culpeper County
Home prices in Culpeper County have risen about 80% over the last 10 years (≈6.0% a year) and +48.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.5% — still rising. A home worth $511,500 today was worth roughly $284,800 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Virginia is +74.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Culpeper County
Run the numbers for Culpeper County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Culpeper County
To buy the typical $511,500 home in Culpeper County with 20% down, you need a household income of roughly $139,000 a year (about $3,250 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $165,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $25,600 | $4,040/mo | $173,000/yr |
| 10% (+PMI) | $51,200 | $3,860/mo | $165,000/yr |
| 20% | $102,300 | $3,250/mo | $139,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Culpeper County
At about $316 per square foot, here is roughly how much home different budgets get you in Culpeper County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 790 sq ft | below the local median — condos, smaller or older homes |
| $300k | 950 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1270 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1580 sq ft | around the typical home here |
| $600k | 1900 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Virginia.
Estimate a specific home in Culpeper County
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Culpeper County home prices: frequently asked
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Browse all Virginia cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.