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City · 7,481 residents · Stafford County, Virginia

Aquia Harbour , Virginia

In Aquia Harbour, a typical home is worth $461,000 and typical rent is $2,549 a month. Compared with all of Stafford County, typical rent is 26% higher, typical household income is 11% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $461,000

    5% below the county

    20% above Virginia

    • Aquia Harbour
    • Stafford
    • Virginia

  • Typical rent

    $2,549a month

    26% above the county

    61% above Virginia

    • Aquia Harbour
    • Stafford
    • Virginia

  • Typical household income

    $152,708a year

    11% above the county

    64% above Virginia

    • Aquia Harbour
    • Stafford
    • Virginia

  • Households that own their home

    94%

    14 points above the county

    27 points above Virginia

    • Aquia Harbour
    • Stafford
    • Virginia

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

Aquia Harbour is in Stafford County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Stafford County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Aquia Harbour apart

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

  1. Nearby, in Triangle, the typical rent is $1,554: 39% less than in Aquia Harbour ($2,549).

  2. Nearby, in Dumfries, the typical home value is $331,800: 28% less than in Aquia Harbour ($461,000).

  3. The typical rent in Aquia Harbour is $2,549 a month, 26% more than in Stafford County as a whole ($2,020).

  4. 94% of households in Aquia Harbour own their home, against 81% in Stafford County.

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

The homes here

Housing in Aquia Harbour

What homes there are in Aquia Harbour, 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

The detached house rules in Aquia Harbour: 100% of homes, more than in Stafford County (75%).

Year built

In Aquia Harbour, half of the homes were built before 1984; in Stafford County, before 1997.

There is more room for a big family here: 100% of homes have 3 bedrooms or more, against 86% in Stafford County.

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
Monthly rent with utilities

With a mortgage

$2,460 a month

Stafford County: $2,545 a month

Without a mortgage

$680 a month

Stafford County: $653 a month

Owners with a mortgage

77%

Stafford County: 78%

Owning costs about the same in Aquia Harbour as in Stafford County: with a mortgage, $2,460 a month; without one, $680.

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

From 2015–2019 to 2020–2024, the typical home value in Aquia Harbour rose 35%; in Stafford County, it rose 40%.

Since 2015–2019, the typical rent in Aquia Harbour rose 18%, less than in Stafford County (31%).

While home values in Aquia Harbour changed +35% and rent +18%, the typical household income rose 22%.

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

MeasureAquia HarbourStafford CountyVirginiaUnited States
Rental vacancy Unreliable estimate5.4%4.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate2.6%2.1%3.4%
People per household 3.023.052.522.53
Drive alone 67%66%68%69%
Carpool 6%10%8%9%
Public transit Unreliable estimate2%2%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 24%20%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

A household in Aquia Harbour has 3.02 people on average, about the same as in Stafford County (3.05).

In Aquia Harbour, 24% of workers work from home, more than in Stafford County (20%).

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 Aquia Harbour?

A typical home is tight for the typical income

We start with a typical home in Aquia Harbour, worth $461,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Aquia Harbour, which is $152,708 a year. For that payment to be 28% of income, a household would need to earn about $160,242 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Aquia Harbour. 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 $16,135 (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

$3,739

at 7.18% · 30 years

Loan amount
$452,650
Total interest
$651,257
Paid off in
November 2056

Includes $7,785 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,563 a month

  • Tight

    $3,563 to $4,581 a month

    Your payment · 29%

  • Hard

    more than $4,581 a month

Compared with the typical household income in Aquia Harbour ($152,708 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,739
Principal & interest$3,066
Property tax$277
Home insurance$192
FHA mortgage insurance (MIP)$204

You need at least $16,135 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

Aquia Harbour and Stafford County

Aquia Harbour is in Stafford County, Virginia. 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).

Aquia Harbour's own numbers

Typical home value
$461,000
Typical monthly rent
$2,549
Typical yearly household income
$152,708
Households that own their home
94%
Effective property tax rate
0.72%

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

Numbers for all of Stafford County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,438
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
0.7%

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 Stafford County.

Everything about Stafford County

Buying

Buying a home in Aquia Harbour

A typical home in Aquia Harbour is worth $461,000: 5% below the county and 20% above Virginia. With the typical household income in Aquia Harbour ($152,708 a year), a typical home costs 3.0 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.

  • Aquia Harbour 3.0 years
  • Stafford 3.5 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Stafford County

According to FHFA’s house price index, home prices in Stafford County rose 77% in the 10 years through 2025.

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

Period County Virginia U.S.
Last year (2025) +4.4% +3.7% +2.9%
5 years (2020–2025) +50% +49% +47%
10 years (2015–2025) +77% +75% +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

Aquia Harbour next to Stafford County, Virginia and the U.S.

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

Typical home value
  • Aquia Harbour $461,000
  • Stafford $485,100
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Aquia Harbour $2,549
  • Stafford $2,020
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Aquia Harbour $152,708
  • Stafford $137,807
  • Virginia $93,170
  • United States $80,734
See the full table
Aquia Harbour next to Stafford County and Virginia
Measure Aquia Harbour Stafford County Virginia U.S.
Typical home value $461,000 $485,100 $383,700 $332,700
Typical monthly rent $2,549 $2,020 $1,579 $1,413
Typical yearly household income $152,708 $137,807 $93,170 $80,734
Households that own their home 94% 81% 67% 65%
Typical yearly property tax $3,322 $3,410 $2,790 $3,119
Effective property tax rate 0.72% 0.7% 0.73% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Stafford 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 Aquia Harbour

For a typical $461,000 home in Aquia Harbour, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Aquia Harbour's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,739a month

    Least cash to close
    Down payment
    $16,135
    Cash to close
    $29,965
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $204

  • Conventional, 5% down $3,654a month

    Down payment
    $23,050
    Cash to close
    $36,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $219

  • Conventional, 20% down, no PMI $2,967a month

    Down payment
    $92,200
    Cash to close
    $106,030
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,393a month

    Down payment
    $69,150
    Cash to close
    $82,980
    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 Aquia Harbour and for Stafford County.

Property tax

Effective rate in Aquia Harbour

0.72%of the home’s value each year

$3,322 a year for the typical owner in Aquia Harbour.

  • Aquia Harbour 0.72%
  • Stafford 0.7%
  • Virginia 0.73%

What Virginia publishes Local exemption or deferral for people 65 and older or with disabilities (Virginia General Assembly (Code of Virginia))

Exemptions and deadlines in Virginia

Flood risk in Stafford County

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

Homes in the high-risk zone
0.7%
351
Of those, with NFIP insurance
23%
County Virginia U.S.
Homes in the high-risk zone 0.7% 1.5% 3.5%
Of those, with NFIP insurance 23% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Aquia Harbour

Typical rent in Aquia Harbour is $2,549 a month: 26% above the county.

HUD publishes a fair market rent for all of Stafford County, by unit size. To pay the 2-bedroom one ($2,438 a month) without spending more than 30% of your income, you would need to earn $46.88 an hour working full time.

HUD fair market rent for all of Stafford 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 $2,111 $40.60 $84,440
1 bedroom $2,204 $42.38 $88,160
2 bedrooms $2,438 $46.88 $97,520
3 bedrooms $3,107 $59.75 $124,280
4 bedrooms $3,658 $70.35 $146,320

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 Aquia Harbour

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Aquia Harbour is in ZIP code 22554.

For 2 bedrooms it is $2,430: $8 less than the fair market rent for Stafford County ($2,438).

  • 22554 $2,430$3,100

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Aquia Harbour 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?

Free help

Help to buy or rent in Aquia Harbour

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.

We found no HUD-approved agencies with an office in Stafford County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Aquia Harbour

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

Which programs do I qualify for? All programs in Virginia

  • Down Payment Assistance Grant

    Statewide in Virginia

    Virginia state agency down payment grant that you do not repay; for first-time buyers, or any buyer in economic opportunity zones, with a Virginia Housing mortgage. Offered by Virginia Housing (Virginia Housing Development Authority).

    Grant

    See the program Official page

  • Virginia Housing Plus Second Mortgage

    Statewide in Virginia

    Virginia Housing 30-year fixed-rate second mortgage of up to 5% of the price for the down payment (and part of the closing costs with a credit score of 680 or higher); for first-time buyers and for people who have owned a home before. Offered by Virginia Housing (Virginia Housing Development Authority).

    Type not stated

    See the program Official page

  • Closing Cost Assistance Grant

    Statewide in Virginia

    Virginia Housing grant that you do not repay, of up to 2% of the price, for the closing costs of buyers with a Virginia Housing RD (Rural Development) or VA loan. Offered by Virginia Housing (Virginia Housing Development Authority).

    Grant

    See the program Official page

Housing counselors near Aquia Harbour

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

  • Prince William County Virginia Cooperative Extension

    15941 Donald Curtis Dr, Woodbridge · 11 miles away · Spanish

    Also serves in American Sign Language (ASL).

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (703) 792-4713

  • Centro de Apoyo Familiar (CAF)-Va

    13923 Minnieville Rd, Woodbridge · 13 miles away

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 4 more
    (703) 372-5440

  • First Home Alliance

    3138 Golansky Blvd Ste 202, Woodbridge · 14 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 12 more
    (703) 580-8838

All counseling agencies in Virginia

Help in Spanish near Aquia Harbour

1 of the 3 agencies on this list says it serves 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 Aquia Harbour

HUD lists no housing authority with an office in Stafford County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Virginia Source: HUD

Cities

Other cities in Stafford County

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

Everything about Stafford County Housing in Virginia

Nearby cities

The cities closest to Aquia Harbour, with the typical home value.

Neighboring counties

If Stafford 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 Aquia Harbour.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Aquia Harbour

Short answers with the numbers for Aquia Harbour and all of Stafford 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 Aquia Harbour?

The typical home value in Aquia Harbour is $461,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Stafford County it is $485,100.

How much does it cost to rent in Aquia Harbour?

Typical rent in Aquia Harbour is $2,549 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Stafford County is $2,438.

What is the FHA loan limit in Aquia Harbour?

Aquia Harbour uses the FHA limit for all of Stafford County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Aquia Harbour?

The typical homeowner in Aquia Harbour pays $3,322 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Stafford County, the rate is 0.7%.

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

We found no HUD-approved counseling agencies with an office in Stafford County; the nearest ones are on this page. 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).