In Dumbarton, a typical home is worth $291,300 and typical rent is $1,421 a month. Compared with all of Henrico County, typical household income is 32% lower, the typical home value is 19% lower, and the share of households that own their home is 34 points lower.
Dumbarton is in Henrico County. The FHA loan limit ($707,250 for a one-unit home), the fair market rents and the help on this page are those of all of Henrico County. See the county
What this place has that others do not, from public data, most unusual first.
1
30% of households in Dumbarton own their home, against 64% in Henrico County.
2
The typical household income in Dumbarton is $60,169,32% less than in Henrico County as a whole ($88,783).
3
The typical home in Dumbarton is worth $291,300,19% less than in Henrico County as a whole ($359,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Dumbarton
What homes there are in Dumbarton, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Dumbarton
Henrico County
Virginia
United States
Kind of home: Dumbarton and its comparisons
Measure
Dumbarton
Henrico County
Virginia
United States
Detached house
25%
63%
61%
61%
Attached house
21%
11%
11%
6%
Building of 2 to 4
10%
6%
5%
8%
Apartments (5 or more)
44%
20%
19%
19%
Mobile home
Unreliable estimate
0%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
There are more apartments in Dumbarton than in Henrico County: 44% of homes, against 20%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Dumbarton
Henrico County
Virginia
United States
Year built: Dumbarton and its comparisons
Measure
Dumbarton
Henrico County
Virginia
United States
Before 1960
24%
18%
19%
26%
1960–1979
39%
23%
24%
24%
1980–1999
18%
33%
30%
25%
2000–2009
9%
15%
15%
14%
2010 or later
10%
11%
12%
11%
In Dumbarton, half of the homes were built before 1973; in Henrico County, before 1985.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K23%
$200K–$300K23%
$300K–$500K41%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Dumbarton and its comparisons
Measure
Dumbarton
Under $100K
Unreliable estimate
$100K–$200K
23%
$200K–$300K
23%
$300K–$500K
41%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49948%
$1,500–$1,99929%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Dumbarton and its comparisons
Measure
Dumbarton
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
48%
$1,500–$1,999
29%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,650 a month
Henrico County: $1,862 a month
Without a mortgage
$401 a month
Henrico County: $590 a month
Owners with a mortgage
61%
Henrico County: 71%
Owning costs less in Dumbarton: with a mortgage, the typical cost is $1,650 a month; in Henrico County, $1,862. Without one, $401.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Dumbarton+56%
Henrico County+48%
Virginia+41%
United States+53%
Typical rent
Dumbarton+24%
Henrico County+32%
Virginia+28%
United States+33%
Typical household income
Dumbarton+36%
Henrico County+26%
Virginia+26%
United States+29%
Change since 2015–2019: Dumbarton and its comparisons
Measure
Dumbarton
Henrico County
Virginia
United States
Typical home value
+56%
+48%
+41%
+53%
Typical rent
+24%
+32%
+28%
+33%
Typical household income
+36%
+26%
+26%
+29%
Since 2015–2019, homes in Dumbarton gained value faster than in Henrico County: 56% against 48%.
Since 2015–2019, the typical rent in Dumbarton rose 24%, less than in Henrico County (32%).
The typical household income in Dumbarton rose 36% over that time; home values changed +56% and rent +24%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Dumbarton and its comparisons
Measure
Dumbarton
Henrico County
Virginia
United States
Rental vacancy
Unreliable estimate
5.6%
4.8%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.7%
2.1%
3.4%
People per household
1.95
2.42
2.52
2.53
Drive alone
66%
67%
68%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
1%
2%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
18%
22%
18%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Dumbarton are smaller: 1.95 people on average; in Henrico County, 2.42.
In Dumbarton, 66% of workers drive alone to work; in Henrico County, 67%.
Do the math
What would you pay each month for a home in Dumbarton?
A typical home costs more than the typical income allows
We start with a typical home in Dumbarton, worth $291,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Dumbarton, which is $60,169 a year. For that payment to be 28% of income, a household would need to earn about $100,007 a year.
The calculator's FHA and conventional loan limits are those of all of Henrico County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Dumbarton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,196 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,334
at 7.18% · 30 years
Loan amount
$286,023
Total interest
$411,520
Paid off in
November 2056
Includes $4,919 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,404 a month
Tight
$1,404 to $1,805 a month
Hard
more than $1,805 a month
Your payment · 47%
Compared with the typical household income in Dumbarton ($60,169 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,938
Property tax
$146
Home insurance
$121
FHA mortgage insurance (MIP)
$129
You need at least $10,196 for the down payment, plus closing costs.
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.
Total monthly payment $2,334; principal and interest $1,938.
The city and its county
Dumbarton and Henrico County
Dumbarton is in Henrico 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).
Dumbarton
Map of Henrico County, Virginia, with Dumbarton marked. Around it, the neighboring counties.
Dumbarton
Henrico County
Other cities with a page
Dumbarton's own numbers
Typical home value
$291,300
Typical monthly rent
$1,421
Typical yearly household income
$60,169
Households that own their home
30%
Effective property tax rate
0.6%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Henrico County
FHA limit, one-unit home
$707,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,651
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
0.4%
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 Henrico County.
A typical home in Dumbarton is worth $291,300: 19% below the county and 24% below Virginia. With the typical household income in Dumbarton ($60,169 a year), a typical home costs 4.8 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.
Dumbarton4.8 years
Henrico4.0 years
Virginia4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Henrico County
According to FHFA’s house price index, home prices in Henrico County rose 96% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Henrico County.
Yearly change in FHFA’s price index in Henrico County, 2016 to 2025
2016: +3.4% +3.4% 2016
2017: +6.0% +6.0% 2017
2018: +5.3% +5.3% 2018
2019: +4.8% +4.8% 2019
2020: +3.4% +3.4% 2020
2021: +11.3% +11.3% 2021
2022: +15.5% +15.5% 2022
2023: +9.5% +9.5% 2023
2024: +6.1% +6.1% 2024
2025: +4.9% +4.9% 2025
Change in FHFA’s price index in Henrico County, Virginia and the United States
Period
County
Virginia
U.S.
Last year (2025)
+4.9%
+3.7%
+2.9%
5 years (2020–2025)
+57%
+49%
+47%
10 years (2015–2025)
+96%
+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
Dumbarton next to Henrico 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
Dumbarton$291,300
Henrico$359,200
Virginia$383,700
United States$332,700
Typical monthly rent
Dumbarton$1,421
Henrico$1,541
Virginia$1,579
United States$1,413
Typical yearly household income
Dumbarton$60,169
Henrico$88,783
Virginia$93,170
United States$80,734
See the full table
Dumbarton next to Henrico County and Virginia
Measure
Dumbarton
Henrico County
Virginia
U.S.
Typical home value
$291,300 ▼19% below the county
$359,200
$383,700
$332,700
Typical monthly rent
$1,421 ▼8% below the county
$1,541
$1,579
$1,413
Typical yearly household income
$60,169 ▼32% below the county
$88,783
$93,170
$80,734
Households that own their home
30% ▼34 points below the county
64%
67%
65%
Typical yearly property tax
$1,738 ▼32% below the county
$2,565
$2,790
$3,119
Effective property tax rate
0.6% ▼0.11 points below the county
0.71%
0.73%
0.94%
Renters with high rent for their income
52% ▲1 points above the county
52%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Henrico 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 Dumbarton
For a typical $291,300 home in Dumbarton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dumbarton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,333a month
Least cash to close
Down payment
$10,196
Cash to close
$18,935
Rate
7.18%
Mortgage insurance
FHA MIP · $129
Conventional, 5% down$2,280a month
Down payment
$14,565
Cash to close
$23,304
Rate
7.18%
Mortgage insurance
PMI · $138
Conventional, 20% down, no PMI$1,846a month
Down payment
$58,260
Cash to close
$66,999
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,115a month
Down payment
$43,695
Cash to close
$52,434
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Dumbarton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,333
$10,196
$286,024
7.18%
FHA MIP · $129
$18,935
580
Conventional, 5% down
$2,280
$14,565
$276,735
7.18%
PMI · $138
$23,304
620*
Conventional, 20% down, no PMI
$1,846
$58,260
$233,040
7.18%
None
$66,999
620*
ITIN, 15% down (example)
$2,115
$43,695
$247,605
8.18%
None
$52,434
Set by the lender
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.
Typical rent in Dumbarton is $1,421 a month: 8% below the county. In Dumbarton, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Henrico County, by unit size. To pay the 2-bedroom one ($1,651 a month) without spending more than 30% of your income, you would need to earn $31.75 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Henrico County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,456
$28.00
$58,240
1 bedroom
$1,517
$29.17
$60,680
2 bedrooms
$1,651
$31.75
$66,040
3 bedrooms
$2,039
$39.21
$81,560
4 bedrooms
$2,499
$48.06
$99,960
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 Dumbarton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dumbarton has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,810 in 23228 to $1,840 in 23230.
2 of the 2 are above the fair market rent for Henrico County ($1,651).
Fair market rent by ZIP code and size in Dumbarton, fiscal year 2027.
23228
$1,600
$1,660
$1,810
$2,240
$2,740
23230
$1,620
$1,690
$1,840
$2,270
$2,790
ZIP code2 bd3 bd
23228 $1,810$2,240
23230 $1,840$2,270
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dumbarton 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 3 HUD-approved agencies with an office in Henrico County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Dumbarton or Henrico County. The ones below are statewide in Virginia: they work in Dumbarton the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Dumbarton or Henrico County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Dumbarton and all of Henrico 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 Dumbarton?
The typical home value in Dumbarton is $291,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Henrico County it is $359,200.
How much does it cost to rent in Dumbarton?
Typical rent in Dumbarton is $1,421 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Henrico County is $1,651.
What is the FHA loan limit in Dumbarton?
Dumbarton uses the FHA limit for all of Henrico County (2026): $707,250 for a one-unit home and $1,360,100 for a four-unit home.
How much property tax do owners pay in Dumbarton?
The typical homeowner in Dumbarton pays $1,738 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Henrico County, the rate is 0.71%.
Where can I find free help to buy or rent in Dumbarton?
There are 3 HUD-approved counseling agencies with an office in Henrico County. They can help you get ready to buy, with your credit, or with rent.
