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City · 20,794 residents · Culpeper County, Virginia

Culpeper , Virginia

In Culpeper, a typical home is worth $390,000 and typical rent is $1,416 a month. Compared with all of Culpeper County, typical household income is 5% lower and the share of households that own their home is 16 points lower.

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  • Typical home value

    $390,000

    5% below the county

    About the same as Virginia

    • Culpeper
    • County
    • Virginia

  • Typical rent

    $1,416a month

    About the same as the county

    10% below Virginia

    • Culpeper
    • County
    • Virginia

  • Typical household income

    $94,721a year

    5% below the county

    About the same as Virginia

    • Culpeper
    • County
    • Virginia

  • Households that own their home

    59%

    16 points below the county

    8 points below Virginia

    • Culpeper
    • County
    • Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$455,799
3.7% more than 12 months ago
Typical rent
$1,878 a month
8.9% more than 12 months ago

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

Culpeper is in Culpeper 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 Culpeper County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Culpeper apart

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

  1. Nearby, in Orange, the typical home value is $273,300: 30% less than in Culpeper ($390,000).

  2. 59% of households in Culpeper own their home, against 75% in Culpeper County.

  3. Nearby, in Orange, the typical rent is $1,103: 22% less than in Culpeper ($1,416).

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

The homes here

Housing in Culpeper

What homes there are in Culpeper, 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 is still the most common home in Culpeper, but it weighs less than in Culpeper County: 63% against 82%.

Year built

Here half of the homes date from 1998 or later; in Culpeper County, from 1994 or later.

There are fewer big homes in Culpeper than in Culpeper County: 72% have 3 bedrooms or more, against 80%.

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

$2,016 a month

Culpeper County: $1,963 a month

Without a mortgage

$532 a month

Culpeper County: $537 a month

Owners with a mortgage

84%

Culpeper County: 75%

Owning costs about the same in Culpeper as in Culpeper County: with a mortgage, $2,016 a month; without one, $532.

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

Since 2015–2019, homes in Culpeper gained value faster than in Culpeper County: 48% against 37%.

Rents in Culpeper rose at about the same pace as in Culpeper County: 23% since 2015–2019, against 23%.

While home values in Culpeper changed +48% and rent +23%, the typical household income rose 39%.

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

MeasureCulpeperCulpeper CountyVirginiaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room 5.5%3.7%2.1%3.4%
People per household 2.942.792.522.53
Drive alone 65%73%68%69%
Carpool 17%11%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike 3%2%2%3%
Work from home 10%11%18%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

In Culpeper, 5.5% of households live with more than one person per room, against 3.7% in Culpeper County.

Households in Culpeper are bigger: 2.94 people on average; in Culpeper County, 2.79.

More people carpool to work in Culpeper than in Culpeper County: 17% against 11%.

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 Culpeper?

A typical home costs more than the typical income allows

We start with a typical home in Culpeper, worth $390,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Culpeper, which is $94,721 a year. For that payment to be 28% of income, a household would need to earn about $133,195 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Culpeper. 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 $13,650 (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

$3,108

at 7.18% · 30 years

Loan amount
$382,936
Total interest
$550,955
Paid off in
November 2056

Includes $6,586 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,210 a month

  • Tight

    $2,210 to $2,842 a month

  • Hard

    more than $2,842 a month

    Your payment · 39%

Compared with the typical household income in Culpeper ($94,721 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,108
Principal & interest$2,594
Property tax$179
Home insurance$163
FHA mortgage insurance (MIP)$172

You need at least $13,650 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

Culpeper and Culpeper County

Culpeper is in Culpeper 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).

Culpeper's own numbers

Typical home value
$390,000
Typical monthly rent
$1,416
Typical yearly household income
$94,721
Households that own their home
59%
Effective property tax rate
0.55%

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

Numbers for all of Culpeper County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$1,596
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
0.3%

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 Culpeper County.

Everything about Culpeper County

Buying

Buying a home in Culpeper

A typical home in Culpeper is worth $390,000: 5% below the county and about the same as Virginia. With the typical household income in Culpeper ($94,721 a year), a typical home costs 4.1 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.

  • Culpeper 4.1 years
  • County 4.1 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Culpeper County

According to FHFA’s house price index, home prices in Culpeper County rose 80% in the 10 years through 2025.

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

Period County Virginia U.S.
Last year (2025) +6.5% +3.7% +2.9%
5 years (2020–2025) +52% +49% +47%
10 years (2015–2025) +80% +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

Culpeper next to Culpeper 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
  • Culpeper $390,000
  • County $409,200
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Culpeper $1,416
  • County $1,423
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Culpeper $94,721
  • County $100,049
  • Virginia $93,170
  • United States $80,734
See the full table
Culpeper next to Culpeper County and Virginia
Measure Culpeper Culpeper County Virginia U.S.
Typical home value $390,000 $409,200 $383,700 $332,700
Typical monthly rent $1,416 $1,423 $1,579 $1,413
Typical yearly household income $94,721 $100,049 $93,170 $80,734
Households that own their home 59% 75% 67% 65%
Typical yearly property tax $2,139 $2,141 $2,790 $3,119
Effective property tax rate 0.55% 0.52% 0.73% 0.94%
Renters with high rent for their income 42% 46% 49% 51%

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

For a typical $390,000 home in Culpeper, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Culpeper's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,108a month

    Least cash to close
    Down payment
    $13,650
    Cash to close
    $25,350
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $172

  • Conventional, 5% down $3,036a month

    Down payment
    $19,500
    Cash to close
    $31,200
    Rate
    7.18%
    Mortgage insurance
    PMI · $185

  • Conventional, 20% down, no PMI $2,455a month

    Down payment
    $78,000
    Cash to close
    $89,700
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,815a month

    Down payment
    $58,500
    Cash to close
    $70,200
    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 Culpeper and for Culpeper County.

Property tax

Effective rate in Culpeper

0.55%of the home’s value each year

$2,139 a year for the typical owner in Culpeper.

  • Culpeper 0.55%
  • County 0.52%
  • 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 Culpeper County

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

Homes in the high-risk zone
0.3%
53
Of those, with NFIP insurance
28%
County Virginia U.S.
Homes in the high-risk zone 0.3% 1.5% 3.5%
Of those, with NFIP insurance 28% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Culpeper

Typical rent in Culpeper is $1,416 a month: about the same as the county. In Culpeper, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Culpeper County, by unit size. To pay the 2-bedroom one ($1,596 a month) without spending more than 30% of your income, you would need to earn $30.69 an hour working full time.

HUD fair market rent for all of Culpeper 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 $1,292 $24.85 $51,680
1 bedroom $1,299 $24.98 $51,960
2 bedrooms $1,596 $30.69 $63,840
3 bedrooms $2,187 $42.06 $87,480
4 bedrooms $2,195 $42.21 $87,800

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 Culpeper

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Culpeper is in ZIP code 22701.

For 2 bedrooms it is $1,580: $16 less than the fair market rent for Culpeper County ($1,596).

  • 22701 $1,580$2,160

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

HUD lists 13 buildings with rents for lower incomes in Culpeper. These are the largest.

  • Belle Courts 724 Belle Ct, Culpeper 22701 154 low-income homes · In service since 2005 · For families
  • Belle Courts 704 Belle Ct, Culpeper 22701 154 homes, 122 low-income · For families (540) 825-6025
  • Culpeper Commons I 1301 Spring Meadow Ln, Culpeper 22701 122 low-income homes · In service since 2004 · For families
  • Arbors of Culpeper Ira Hoffman LN, Culpeper 22701 132 homes, 117 low-income · 1 bd: 45 · 2 bd: 87 · In service since 2018 · For older adults
  • Greens at Northridge 1050 Claire Taylor Ct, Culpeper 22701 108 low-income homes · 1 bd: 12 · 2 bd: 72 · 3 bd: 24 · In service since 2006 · For families

See all 13 buildings in Culpeper County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Culpeper

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 Culpeper County. The nearest ones are below; many serve by phone or online.

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

HUD counseling is free or low-cost

Assistance programs in Culpeper

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

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

  • Skyline Community Action Partnership, Inc.

    532 S Main St, Madison · 16 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 6 more
    (540) 948-3916

  • Skyline Community Action Program, Incorporated

    532 S Main St, Madison · 16 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (540) 948-3916

  • Blue Ridge Housing Network

    134A Peyton St, Front Royal · 33 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (540) 622-2711

All counseling agencies in Virginia

Help in Spanish near Culpeper

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 Culpeper

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

All housing agencies in Virginia Source: HUD

Cities

Nearby cities

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

Everything about Culpeper County Housing in Virginia

Neighboring counties

If Culpeper 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 Culpeper.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Culpeper

Short answers with the numbers for Culpeper and all of Culpeper 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 Culpeper?

The typical home value in Culpeper is $390,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Culpeper County it is $409,200.

How much does it cost to rent in Culpeper?

Typical rent in Culpeper is $1,416 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Culpeper County is $1,596.

What is the FHA loan limit in Culpeper?

Culpeper uses the FHA limit for all of Culpeper 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 Culpeper?

The typical homeowner in Culpeper pays $2,139 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Culpeper County, the rate is 0.52%.

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

We found no HUD-approved counseling agencies with an office in Culpeper 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).