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Mortgage Calculator &
Closing Costs: Staunton, VA

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Staunton, Virginia.

Median Home Price
$245K
Population
26K
Avg Monthly Rent
$1,080
Property Tax Rate
0.82%
Staunton vs Virginia Median
The median home price in Staunton is $245,000, which is 39% below the Virginia state median of $400,000.

Mortgage Calculator — Staunton, VA

Pre-filled with Staunton median home price and Virginia tax/insurance rates. Adjust for your property.

$
$49,000
%
%
years
VA avg
%
$
Monthly Payment (PITI)
$1,548
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,239
per month
Taxes & Insurance
$309
per month
Total Interest Paid
$250K
over 30 years
Total Loan Cost
$446K
all payments
Payment Breakdown
Loan Amount$196,000
Principal & Interest$1,239
Property Taxes$167
Homeowners Insurance$142
Total Monthly PITI$1,548

Closing Costs — Staunton, VA

Estimated closing costs based on Virginia rates and fees applied to Staunton prices.

$
%
Virginia: Avg closing costs 1.5% of price. Transfer tax: 0.25%.
Estimated Closing Costs
$9,053
3.7% of purchase price
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Lender Fees
$2,189
origination, underwriting
Third-Party
$2,675
appraisal, title, inspection
Government Fees
$613
transfer taxes, recording
Prepaids + Escrow
$3,577
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,764
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,525
Recording Fee$150
Transfer Tax$613
Prepaid Taxes (3 mo)$502
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$589
Escrow Reserves$786
Total Closing Costs$9,053

Buying a Home in Staunton, Virginia

The median home price in Staunton is $245,000, 39% below the Virginia state median of $400,000. With a population of 25,750, Staunton is a smaller market where home prices tend to be more accessible than in many parts of Virginia.

Property taxes in Virginia average 0.82% annually. This moderate property tax rate means a $245,000 home in Staunton would carry roughly $167/month in property taxes. Homeowners insurance in Virginia runs approximately $1,700 per year. This is within the normal range nationally.

Average rent in Staunton is $1,080/month. The price-to-rent ratio in Staunton is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Staunton offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Virginia's Virginia Housing DPA Grant program.

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