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📍 Howardsville, VA · Zillow ZHVI · July 2026

Average Home Price in
Howardsville, VA

Charlottesville, VA metro area · Buckingham County County

Median Home Value
$275,946
↓ 1.6% year-over-year
vs. National Median
$410,000
Howardsville is 33% below
Est. Monthly Payment
$1,439/mo
20% down · 6.8% rate
Income Needed
$73K
gross annual (30% rule)
Median Home Value
$275,946
↓ 1.6% year-over-year
Down Payment (20%)$55,189
Monthly P&I$1,439/mo
With Taxes & Ins.~$1,828/mo
Income Needed$73,120/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Howardsville, VA

The median home value in Howardsville, VA is $275,946 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.6% compared to a year ago and down 0.6% from two years prior.

Compared to the U.S. national median of $410,000, homes in Howardsville are priced33% below average. Howardsville is part of the Charlottesville, VA metro area.

City Comparison

Howardsville vs. National Median

🏠 Howardsville
$275,946
National Median
$410,000

At $275,946, homes in Howardsville cost 33% below the national median of $410,000. This makes Howardsville a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Howardsville?

20% Down Payment
$55,189
on $275,946
Monthly P&I
$1,439/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,828/mo
incl. taxes & insurance
Income Needed
$73,120
gross annual (30% rule)
10% Down Option
$27,595
+ PMI applies
Loan Amount (20% dn)
$220,757
at current rates

Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.

FAQ

Frequently Asked Questions

What is the average home price in Howardsville, VA?
The median home value in Howardsville is $275,946 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.6% year-over-year.
How much have home prices changed in Howardsville?
Over the past year, home values in Howardsville have decreased by 1.6%.
How much do I need to earn to buy a home in Howardsville?
To comfortably afford the median home price of $275,946 with a 20% down payment ($55,189) at today's rates (6.8%), you'd need a gross annual income of approximately $73,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Howardsville compare to the national average home price?
The national median home value is approximately $410,000. At $275,946, homes in Howardsville are 33% below the national average.
What metro area is Howardsville part of?
Howardsville is part of the Charlottesville, VA metropolitan area. Home prices and market conditions can vary across the broader metro region.