Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$366,411+2.5% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 16% have cut their price
Income needed to buy, per year$79,430About 1.1× the local median income ($73,119): a stretch for a typical household
Days on market103 daysSlower than a year ago: buyers have time to negotiate
The typical home in Northumberland County, VA is worth $366,411, up 2.5% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $369,160, so the area is 0.7% undervalued. It is a balanced market, leaning toward buyers: homes take about 103 days to sell, listings are up 39% from a year ago, 16% of listings have had a price cut. A household needs about $79,430 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $73,119. In the latest IRS figures, 168 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$366,411
Change in 1 year
+2.5%
Overvalued %
−0.7%
Show 6 more
Fair home value
$369,160
Change in 5 years
+13.9%
Home value to income
5.0×
Monthly mortgage payment (20% down)
$1,986
Income needed to afford it
$79,430
Property tax rate
0.47%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,382
Market activity
Listings vs a year ago
+38.7%
Days on market
103
Listings with a price cut
15.9%
Show 3 more
Homes for sale
172
Pending sales per 100 listings
27
Asking price per sq ft
$266
People and jobs
Median household income
$73,119
Population change (1 year)
+1.2%
Unemployment rate
3.8%
Show 4 more
Population
12,557
Income adjusted for cost of living
$82,714
Net moves in (IRS)
+168
Cost of living (US = 100)
88.4
Schools, risk and environment
School rating (1 to 10)
6.0
FEMA hazard risk score (0 to 100)
40.0
Flood risk score
68.4
Show 3 more
Wildfire risk score
19.6
Walkability (1 to 20)
5.6
Road, rail and air noise
54 dB
Questions people ask
Is Northumberland County, VA overvalued?
Home prices in Northumberland County, VA are slightly below what local incomes have historically supported: fair value is about $369,160, so the area is 0.7% undervalued.
Is Northumberland County, VA a buyer's or seller's market?
Northumberland County, VA is a balanced market, leaning toward buyers: homes take about 103 days to sell, listings are up 39% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Northumberland County, VA?
Home values in Northumberland County, VA are up 2.5% over the last year.
How much do you need to earn to buy a home in Northumberland County, VA?
A household needs about $79,430 a year to afford the typical home in Northumberland County, VA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $73,119.