Market Overview
Home Prices in Stephenson, VA
The median home value in Stephenson, VA is $463,124 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.6% compared to a year ago and up 2.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Stephenson are priced13% above average. Stephenson is part of the Winchester, VA-WV metro area.
Over the past five years, Stephenson home values have risen by approximately19.8%, reflecting steady appreciation in this market.
Price History
Stephenson Home Price Trend
City Comparison
Stephenson vs. National Median
At $463,124, homes in Stephenson cost 13% above the national median of $410,000. Buyers in Stephenson should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Stephenson?
20% Down Payment
$92,625
on $463,124
Monthly P&I
$2,415/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,067/mo
incl. taxes & insurance
Income Needed
$122,680
gross annual (30% rule)
10% Down Option
$46,312
+ PMI applies
Loan Amount (20% dn)
$370,499
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 Stephenson, VA?
The median home value in Stephenson is $463,124 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.6% year-over-year.
How much have home prices changed in Stephenson?
Over the past year, home values in Stephenson have increased by 0.6%. Over five years, prices have risen approximately 19.8%.
How much do I need to earn to buy a home in Stephenson?
To comfortably afford the median home price of $463,124 with a 20% down payment ($92,625) at today's rates (6.8%), you'd need a gross annual income of approximately $122,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Stephenson compare to the national average home price?
The national median home value is approximately $410,000. At $463,124, homes in Stephenson are 13% above the national average.
What metro area is Stephenson part of?
Stephenson is part of the Winchester, VA-WV metropolitan area. Home prices and market conditions can vary across the broader metro region.