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City · 8,332 residents · St. Louis County, Minnesota

Virginia , Minnesota

In Virginia, a typical home is worth $120,600 and typical rent is $792 a month. Compared with all of St. Louis County, the typical home value is 46% lower, typical household income is 26% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $120,600

    46% below the county

    63% below Minnesota

    • Virginia
    • St. Louis
    • Minnesota

  • Typical rent

    $792a month

    22% below the county

    38% below Minnesota

    • Virginia
    • St. Louis
    • Minnesota

  • Typical household income

    $51,720a year

    26% below the county

    42% below Minnesota

    • Virginia
    • St. Louis
    • Minnesota

  • Households that own their home

    59%

    12 points below the county

    13 points below Minnesota

    • Virginia
    • St. Louis
    • Minnesota

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$129,232
0.6% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Virginia is in St. Louis County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of St. Louis County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Virginia apart

What this place has that others do not, from public data, most unusual first.

  1. Virginia has the 2nd lowest typical household income of the 152 cities in Minnesota with more than 5,000 people ($51,720).

  2. Virginia has the 2nd lowest typical home value of the 152 cities in Minnesota with more than 5,000 people ($120,600).

  3. Virginia has the 5th lowest typical rent of the 148 cities in Minnesota with more than 5,000 people ($792).

  4. 59% of households in Virginia own their home, against 71% in St. Louis County.

  5. 18% of households in Virginia have no internet at home (8% in St. Louis County).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Virginia

What homes there are in Virginia, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Virginia (59%), but less so than in St. Louis County (73%).

Year built

In Virginia, half of the homes were built before 1953; in St. Louis County, before 1962.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 99% of owner-occupied homes in Virginia are worth less than $500,000, below the FHA loan limit for St. Louis County ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for St. Louis County is $1,207; about 86% of rents in Virginia are below it.

With a mortgage

$1,165 a month

St. Louis County: $1,558 a month

Without a mortgage

$496 a month

St. Louis County: $577 a month

Owners with a mortgage

49%

St. Louis County: 56%

Owning costs less in Virginia: with a mortgage, the typical cost is $1,165 a month; in St. Louis County, $1,558. Without one, $496.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Virginia rose 31% since 2015–2019, less than in St. Louis County (40%).

Since 2015–2019, the typical rent in Virginia rose 27%, less than in St. Louis County (32%).

Here income gained ground: typical income rose 39%, against +31% for home values and +27% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureVirginiaSt. Louis CountyMinnesotaUnited States
Rental vacancy 13.6%4.4%5.3%5.5%
Homeowner vacancy Unreliable estimate0.9%0.6%0.9%
More than one person per room Unreliable estimate1.1%2.3%3.4%
People per household 1.942.202.432.53
Drive alone 79%74%69%69%
Carpool 11%8%8%9%
Public transit Unreliable estimate2%2%3%
Walk or bike Unreliable estimate4%3%3%
Work from home Unreliable estimate11%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

In Virginia, the rental vacancy rate is 13.6%; in St. Louis County, 4.4%.

Households in Virginia are smaller: 1.94 people on average; in St. Louis County, 2.20.

More people carpool to work in Virginia than in St. Louis County: 11% against 8%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Virginia?

A typical home is within reach of the typical income

We start with a typical home in Virginia, worth $120,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Virginia, which is $51,720 a year.

The calculator's FHA and conventional loan limits are those of all of St. Louis County.

Your numbers

Local data
$

Starts at the typical home value in Virginia. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $4,221 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,008

at 7.18% · 30 years

Loan amount
$118,416
Total interest
$170,372
Paid off in
November 2056

Includes $2,037 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,207 a month

    Your payment · 23%

  • Tight

    $1,207 to $1,552 a month

  • Hard

    more than $1,552 a month

Compared with the typical household income in Virginia ($51,720 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,008
Principal & interest$802
Property tax$103
Home insurance$50
FHA mortgage insurance (MIP)$53

You need at least $4,221 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Virginia and St. Louis County

Virginia is in St. Louis County, Minnesota. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Virginia's own numbers

Typical home value
$120,600
Typical monthly rent
$792
Typical yearly household income
$51,720
Households that own their home
59%
Effective property tax rate
1.02%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Louis County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,207
Price change over 5 years (FHFA)
+53%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of St. Louis County.

Everything about St. Louis County

Buying

Buying a home in Virginia

A typical home in Virginia is worth $120,600: 46% below the county and 63% below Minnesota. With the typical household income in Virginia ($51,720 a year), a typical home costs 2.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Virginia 2.3 years
  • St. Louis 3.2 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Louis County

According to FHFA’s house price index, home prices in St. Louis County rose 82% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Louis County.

Period County Minnesota U.S.
Last year (2025) +6.3% +2.8% +2.9%
5 years (2020–2025) +53% +37% +47%
10 years (2015–2025) +82% +71% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Virginia next to St. Louis County, Minnesota and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Virginia $120,600
  • St. Louis $221,400
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Virginia $792
  • St. Louis $1,013
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Virginia $51,720
  • St. Louis $70,069
  • Minnesota $89,062
  • United States $80,734
See the full table
Virginia next to St. Louis County and Minnesota
Measure Virginia St. Louis County Minnesota U.S.
Typical home value $120,600 $221,400 $329,300 $332,700
Typical monthly rent $792 $1,013 $1,280 $1,413
Typical yearly household income $51,720 $70,069 $89,062 $80,734
Households that own their home 59% 71% 72% 65%
Typical yearly property tax $1,232 $2,271 $3,357 $3,119
Effective property tax rate 1.02% 1.03% 1.02% 0.94%
Renters with high rent for their income 53% 53% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Louis County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Virginia

For a typical $120,600 home in Virginia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Virginia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,008a month

    Least cash to close
    Down payment
    $4,221
    Cash to close
    $7,839
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $53

  • Conventional, 5% down $986a month

    Down payment
    $6,030
    Cash to close
    $9,648
    Rate
    7.18%
    Mortgage insurance
    PMI · $57

  • Conventional, 20% down, no PMI $806a month

    Down payment
    $24,120
    Cash to close
    $27,738
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $918a month

    Down payment
    $18,090
    Cash to close
    $21,708
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Virginia and for St. Louis County.

Property tax

Effective rate in Virginia

1.02%of the home’s value each year

$1,232 a year for the typical owner in Virginia.

  • Virginia 1.02%
  • St. Louis 1.03%
  • Minnesota 1.02%

What Minnesota publishes Homestead market value exclusion (Minnesota Office of the Revisor of Statutes (Minnesota Statutes))

Exemptions and deadlines in Minnesota

Flood risk in St. Louis County

FEMA does not publish these numbers by city: they are for all of St. Louis County.

FEMA’s maps count no homes in the high-risk zone in St. Louis County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Virginia

Typical rent in Virginia is $792 a month: 22% below the county. In Virginia, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Louis County, by unit size. To pay the 2-bedroom one ($1,207 a month) without spending more than 30% of your income, you would need to earn $23.21 an hour working full time.

HUD fair market rent for all of St. Louis County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $841 $16.17 $33,640
1 bedroom $961 $18.48 $38,440
2 bedrooms $1,207 $23.21 $48,280
3 bedrooms $1,671 $32.13 $66,840
4 bedrooms $2,017 $38.79 $80,680

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Virginia

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Virginia is in ZIP code 55792.

For 2 bedrooms it is $1,110: $97 less than the fair market rent for St. Louis County ($1,207).

  • 55792 $1,110$1,530

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Virginia when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Virginia

HUD lists 6 buildings with rents for lower incomes in Virginia. These are the largest.

  • Alice Nettell Tower 550 N 3rd Ave, Virginia 55792 156 homes, 155 low-income · For older adults (218) 741-3650
  • Columbia Apts/Rouchleau Apts 602 N 3rd Ave, Virginia 55792 147 low-income homes · Run by HRA of VIRGINIA, MINNESOTA · Average payment: $353 a month · Average wait: 3 months (218) 735-6309
  • Pine Mill Court/SS Duplexes 1024 3rd St S, Virginia 55792 128 low-income homes · Run by HRA of VIRGINIA, MINNESOTA · Average payment: $442 a month · Average wait: 4 months · Homes at several sites (218) 735-6309
  • Ivy Manor Apartments (fka Lasalle Apartments) 201 N 5th Ave, Virginia 55792 41 homes, 40 low-income · Studio: 15 · 1 bd: 25 · 2 bd: 1 · In service since 2018 · For people with disabilities, people experiencing homelessness
  • Birchwood East 130 Anderson Dr, Virginia 55792 60 homes, 30 low-income · For families (218) 749-3440

See all 91 buildings in St. Louis County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Virginia

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in St. Louis County; none says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Virginia

No down payment, repair or rent-help program on our list is for Virginia or St. Louis County. The ones below are statewide in Minnesota: they work in Virginia the same as in the rest of the state.

Which programs do I qualify for? All programs in Minnesota

  • Deferred Payment Loan (Start Up)

    Statewide in Minnesota

    Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Deferred

    See the program Official page

  • Monthly Payment Loan

    Statewide in Minnesota

    Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Repayable

    See the program Official page

Housing counselors near Virginia

The HUD-approved agencies closest to the center of Virginia, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Arrowhead Economic Opportunity Agency, Inc.

    702 S 3rd Ave, Virginia · 1 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    218-749-2912x6895

  • Kootasca Community Action, Inc.

    822 NE 5th Ave, Grand Rapids · 51 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    218-999-0800x0828

  • Lutheran Social Service of Minnesota

    1330 E Superior St, Duluth · 54 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (218) 529-2227

Every agency in St. Louis County All counseling agencies in Minnesota

Help in Spanish near Virginia

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Virginia

HUD’s record names them for Virginia or St. Louis County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • HRA of VIRGINIA, MINNESOTA Public housing and Section 8 vouchers (218) 735-6309

7 other authorities have an office in St. Louis County: see the list Source: HUD

Cities

Other cities in St. Louis County

These cities are also in St. Louis County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Louis County Housing in Minnesota

Nearby cities

The cities closest to Virginia, with the typical home value.

Neighboring counties

If St. Louis County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Virginia.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Virginia

Short answers with the numbers for Virginia and all of St. Louis County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Virginia?

The typical home value in Virginia is $120,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Louis County it is $221,400.

How much does it cost to rent in Virginia?

Typical rent in Virginia is $792 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Louis County is $1,207.

What is the FHA loan limit in Virginia?

Virginia uses the FHA limit for all of St. Louis County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Virginia?

The typical homeowner in Virginia pays $1,232 a year, according to the U.S. Census Bureau. That is 1.02% of the home’s value; in St. Louis County, the rate is 1.03%.

Where can I find free help to buy or rent in Virginia?

There are 4 HUD-approved counseling agencies with an office in St. Louis County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).