Market Overview
Home Prices in Whitetop, VA
The median home value in Whitetop, VA is $199,718 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.1% compared to a year ago and up 1.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Whitetop are priced51% below average.
Over the past five years, Whitetop home values have risen by approximately28.0%, reflecting strong long-term appreciation in this market.
Price History
Whitetop Home Price Trend
2020
$129,566
$130K
—
2021
$156,074
$156K
+20.5%
2022
$171,756
$172K
+10.0%
2023
$170,339
$170K
-0.8%
2024
$185,719
$186K
+9.0%
2025
$188,172
$188K
+1.3%
2026
$199,718
$200K
+6.1%
City Comparison
Whitetop vs. National Median
🏠 Whitetop
$199,718
National Median
$410,000
At $199,718, homes in Whitetop cost 51% below the national median of $410,000. This makes Whitetop a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Whitetop?
20% Down Payment
$39,944
on $199,718
Monthly P&I
$1,042/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,323/mo
incl. taxes & insurance
Income Needed
$52,920
gross annual (30% rule)
10% Down Option
$19,972
+ PMI applies
Loan Amount (20% dn)
$159,774
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 Whitetop, VA?
The median home value in Whitetop is $199,718 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.1% year-over-year.
How much have home prices changed in Whitetop?
Over the past year, home values in Whitetop have increased by 6.1%. Over five years, prices have risen approximately 28.0%.
How much do I need to earn to buy a home in Whitetop?
To comfortably afford the median home price of $199,718 with a 20% down payment ($39,944) at today's rates (6.8%), you'd need a gross annual income of approximately $52,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Whitetop compare to the national average home price?
The national median home value is approximately $410,000. At $199,718, homes in Whitetop are 51% below the national average.