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City · 22,720 residents · Montgomery County, Virginia

Christiansburg , Virginia

In Christiansburg, a typical home is worth $252,600 and typical rent is $1,181 a month. Compared with all of Montgomery County, the typical home value is 17% lower and typical household income is 6% higher.

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  • Typical home value

    $252,600

    17% below the county

    34% below Virginia

    • Christiansburg
    • Montgomery
    • Virginia

  • Typical rent

    $1,181a month

    5% below the county

    25% below Virginia

    • Christiansburg
    • Montgomery
    • Virginia

  • Typical household income

    $77,147a year

    6% above the county

    17% below Virginia

    • Christiansburg
    • Montgomery
    • Virginia

  • Households that own their home

    60%

    4 points above the county

    8 points below Virginia

    • Christiansburg
    • Montgomery
    • Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$303,836
2.4% more than 12 months ago
Typical rent
$1,553 a month
5% more than 12 months ago

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

Christiansburg is in Montgomery 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 Montgomery County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Christiansburg apart

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

  1. Nearby, in Pulaski, the typical rent is $736: 38% less than in Christiansburg ($1,181).

  2. Nearby, in Pulaski, the typical home value is $160,500: 36% less than in Christiansburg ($252,600).

  3. The typical home in Christiansburg is worth $252,600, 17% less than in Montgomery County as a whole ($304,600).

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

The homes here

Housing in Christiansburg

What homes there are in Christiansburg, 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, standing on their own, make up 59% of homes here, against 54% in Montgomery County.

Year built

In Christiansburg, half of the homes were built before 1987; in Montgomery County, before 1986.

In Christiansburg, 67% of homes have 3 bedrooms or more, about the same as in Montgomery 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

At least 97% of owner-occupied homes in Christiansburg are worth less than $500,000, below the FHA loan limit for Montgomery County ($541,287).

Monthly rent with utilities

With a mortgage

$1,512 a month

Montgomery County: $1,690 a month

Without a mortgage

$490 a month

Montgomery County: $533 a month

Owners with a mortgage

60%

Montgomery County: 53%

Owning costs less in Christiansburg: with a mortgage, the typical cost is $1,512 a month; in Montgomery County, $1,690. Without one, $490.

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, home values in Christiansburg rose at about the same pace as in Montgomery County: 33% against 34%.

Rents in Christiansburg rose faster than in Montgomery County: 30% since 2015–2019, against 25%.

The typical household income in Christiansburg rose 27% over that time; home values changed +33% and rent +30%.

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

MeasureChristiansburgMontgomery CountyVirginiaUnited States
Rental vacancy Unreliable estimate4.8%4.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate2.0%2.1%3.4%
People per household 2.192.392.522.53
Drive alone 80%68%68%69%
Carpool 7%6%8%9%
Public transit Unreliable estimate3%2%3%
Walk or bike Unreliable estimate7%2%3%
Work from home 12%14%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Christiansburg are smaller: 2.19 people on average; in Montgomery County, 2.39.

The car rules in Christiansburg: 80% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Christiansburg?

A typical home is tight for the typical income

We start with a typical home in Christiansburg, worth $252,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Christiansburg, which is $77,147 a year. For that payment to be 28% of income, a household would need to earn about $87,984 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Christiansburg. 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 $8,841 (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

$2,053

at 7.18% · 30 years

Loan amount
$248,025
Total interest
$356,849
Paid off in
November 2056

Includes $4,266 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,800 a month

  • Tight

    $1,800 to $2,314 a month

    Your payment · 32%

  • Hard

    more than $2,314 a month

Compared with the typical household income in Christiansburg ($77,147 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,053
Principal & interest$1,680
Property tax$156
Home insurance$105
FHA mortgage insurance (MIP)$112

You need at least $8,841 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

Christiansburg and Montgomery County

Christiansburg is in Montgomery 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).

Christiansburg's own numbers

Typical home value
$252,600
Typical monthly rent
$1,181
Typical yearly household income
$77,147
Households that own their home
60%
Effective property tax rate
0.74%

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

Numbers for all of Montgomery County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,340
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
2.2%

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 Montgomery County.

Everything about Montgomery County

Buying

Buying a home in Christiansburg

A typical home in Christiansburg is worth $252,600: 17% below the county and 34% below Virginia. With the typical household income in Christiansburg ($77,147 a year), a typical home costs 3.3 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.

  • Christiansburg 3.3 years
  • Montgomery 4.2 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Montgomery County

According to FHFA’s house price index, home prices in Montgomery County rose 73% in the 10 years through 2025.

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

Period County Virginia U.S.
Last year (2025) +3.3% +3.7% +2.9%
5 years (2020–2025) +46% +49% +47%
10 years (2015–2025) +73% +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

Christiansburg next to Montgomery 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
  • Christiansburg $252,600
  • Montgomery $304,600
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Christiansburg $1,181
  • Montgomery $1,240
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Christiansburg $77,147
  • Montgomery $72,715
  • Virginia $93,170
  • United States $80,734
See the full table
Christiansburg next to Montgomery County and Virginia
Measure Christiansburg Montgomery County Virginia U.S.
Typical home value $252,600 $304,600 $383,700 $332,700
Typical monthly rent $1,181 $1,240 $1,579 $1,413
Typical yearly household income $77,147 $72,715 $93,170 $80,734
Households that own their home 60% 55% 67% 65%
Typical yearly property tax $1,863 $2,249 $2,790 $3,119
Effective property tax rate 0.74% 0.74% 0.73% 0.94%
Renters with high rent for their income 39% 52% 49% 51%

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

For a typical $252,600 home in Christiansburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Christiansburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,053a month

    Least cash to close
    Down payment
    $8,841
    Cash to close
    $16,419
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $112

  • Conventional, 5% down $2,007a month

    Down payment
    $12,630
    Cash to close
    $20,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $120

  • Conventional, 20% down, no PMI $1,630a month

    Down payment
    $50,520
    Cash to close
    $58,098
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,864a month

    Down payment
    $37,890
    Cash to close
    $45,468
    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 Christiansburg and for Montgomery County.

Property tax

Effective rate in Christiansburg

0.74%of the home’s value each year

$1,863 a year for the typical owner in Christiansburg.

  • Christiansburg 0.74%
  • Montgomery 0.74%
  • 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 Montgomery County

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

Homes in the high-risk zone
2.2%
619
Of those, with NFIP insurance
15%
County Virginia U.S.
Homes in the high-risk zone 2.2% 1.5% 3.5%
Of those, with NFIP insurance 15% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Christiansburg

Typical rent in Christiansburg is $1,181 a month: 5% below the county. In Christiansburg, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Montgomery County, by unit size. To pay the 2-bedroom one ($1,340 a month) without spending more than 30% of your income, you would need to earn $25.77 an hour working full time.

HUD fair market rent for all of Montgomery 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 $1,043 $20.06 $41,720
1 bedroom $1,050 $20.19 $42,000
2 bedrooms $1,340 $25.77 $53,600
3 bedrooms $1,783 $34.29 $71,320
4 bedrooms $2,048 $39.38 $81,920

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 Christiansburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Christiansburg is in ZIP code 24073.

For 2 bedrooms it is $1,310: $30 less than the fair market rent for Montgomery County ($1,340).

  • 24073 $1,310$1,740

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

HUD lists 7 buildings with rents for lower incomes in Christiansburg. These are the largest.

  • Christiansburg Bluff 595 Republic Rd, Christiansburg 24073 120 homes, 119 low-income · For families (540) 382-1977
  • Linden Green 1600 Simpson Rd, Christiansburg 24073 84 low-income homes · In service since 2011 · For families (540) 382-8578
  • Forest Hills at Belview 3226 Peppers Fry Rd NW, Christiansburg 24073 70 low-income homes · 1 bd: 14 · 2 bd: 26 · 3 bd: 20 · 4 bd: 10 · In service since 2012 · For families
  • Smokey Ridge 1785 Electric Way, Christiansburg 24073 52 low-income homes · 2 bd: 46 · 3 bd: 6 · In service since 2016 · For families
  • Huckleberry Court Townhouses 599 Virginian Dr, Christiansburg 24073 50 low-income homes · 2 bd: 12 · 3 bd: 27 · 4 bd: 11 · In service since 2006 · For families

See all 17 buildings in Montgomery County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Christiansburg

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 2 HUD-approved agencies with an office in Montgomery County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Christiansburg

No down payment, repair or rent-help program on our list is for Christiansburg or Montgomery County. The ones below are statewide in Virginia: they work in Christiansburg 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 Christiansburg

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

  • Community Housing Partners Corporation

    448 Depot St NE, Christiansburg · 0 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (540) 260-9039

  • New River Community Action (montgomery Area)

    400 W Main St, Christiansburg · 1 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    (540) 381-1561

  • New River Community Action, Inc.

    206 3rd Ave, Radford · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (540) 633-5133

Every agency in Montgomery County All counseling agencies in Virginia

Help in Spanish near Christiansburg

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 Christiansburg

HUD lists no housing authority with an office in Montgomery 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 Montgomery County

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

Everything about Montgomery County Housing in Virginia

Nearby cities

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

Neighboring counties

If Montgomery 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 Christiansburg.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Christiansburg

Short answers with the numbers for Christiansburg and all of Montgomery 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 Christiansburg?

The typical home value in Christiansburg is $252,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Montgomery County it is $304,600.

How much does it cost to rent in Christiansburg?

Typical rent in Christiansburg is $1,181 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Montgomery County is $1,340.

What is the FHA loan limit in Christiansburg?

Christiansburg uses the FHA limit for all of Montgomery 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 Christiansburg?

The typical homeowner in Christiansburg pays $1,863 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Montgomery County, the rate is 0.74%.

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

There are 2 HUD-approved counseling agencies with an office in Montgomery 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).