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City · 5,816 residents · Prince William County, Virginia

Dumfries , Virginia

In Dumfries, a typical home is worth $331,800 and typical rent is $1,732 a month. Compared with all of Prince William County, the typical home value is 37% lower and typical household income is 37% lower.

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  • Typical home value

    $331,800

    37% below the county

    14% below Virginia

    • Dumfries
    • Prince William
    • Virginia

  • Typical rent

    $1,732a month

    16% below the county

    10% above Virginia

    • Dumfries
    • Prince William
    • Virginia

  • Typical household income

    $82,355a year

    37% below the county

    12% below Virginia

    • Dumfries
    • Prince William
    • Virginia

  • Households that own their home

    78%

    4 points above the county

    11 points above Virginia

    • Dumfries
    • Prince William
    • Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$585,880
0.8% more than 12 months ago
Typical rent
$2,901 a month
5.3% more than 12 months ago

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

Dumfries is in Prince William 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 Prince William County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dumfries apart

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

  1. The typical home in Dumfries is worth $331,800, 37% less than in Prince William County as a whole ($530,100).

  2. The typical household income in Dumfries is $82,355, 37% less than in Prince William County as a whole ($131,402).

  3. The typical rent in Dumfries is $1,732 a month, 16% less than in Prince William County as a whole ($2,067).

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

The homes here

Housing in Dumfries

What homes there are in Dumfries, 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

No kind of home is the majority in Dumfries; the largest group, attached houses (townhouses), adds up to 43%, against 26% in Prince William County.

Year built

The typical home in Dumfries was built in 1983, 12 years before the typical one in Prince William 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

$2,294 a month

Prince William County: $2,714 a month

Owners with a mortgage

82%

Prince William County: 79%

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 Dumfries gained value faster than in Prince William County: 61% against 39%.

The typical rent in Dumfries stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureDumfriesPrince William CountyVirginiaUnited States
Rental vacancy Unreliable estimate3.9%4.8%5.5%
Homeowner vacancy Unreliable estimate0.4%0.8%0.9%
More than one person per room Unreliable estimate3.6%2.1%3.4%
People per household 3.293.092.522.53
Drive alone 69%66%68%69%
Carpool 14%10%8%9%
Public transit Unreliable estimate3%2%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate19%18%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Households in Dumfries are bigger: 3.29 people on average; in Prince William County, 3.09.

In Dumfries, 14% of workers share a car to get to work; in Prince William County, 10%.

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 Dumfries?

A typical home costs more than the typical income allows

We start with a typical home in Dumfries, worth $331,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Dumfries, which is $82,355 a year. For that payment to be 28% of income, a household would need to earn about $120,547 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Dumfries. 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 $11,613 (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

$2,813

at 7.18% · 30 years

Loan amount
$325,790
Total interest
$468,736
Paid off in
November 2056

Includes $5,603 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,922 a month

  • Tight

    $1,922 to $2,471 a month

  • Hard

    more than $2,471 a month

    Your payment · 41%

Compared with the typical household income in Dumfries ($82,355 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,813
Principal & interest$2,207
Property tax$321
Home insurance$138
FHA mortgage insurance (MIP)$147

You need at least $11,613 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

Dumfries and Prince William County

Dumfries is in Prince William 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).

Dumfries's own numbers

Typical home value
$331,800
Typical monthly rent
$1,732
Typical yearly household income
$82,355
Households that own their home
78%
Effective property tax rate
1.16%

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

Numbers for all of Prince William 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)
+47%
Homes in a high flood-risk zone
0.6%

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 Prince William County.

Everything about Prince William County

Buying

Buying a home in Dumfries

A typical home in Dumfries is worth $331,800: 37% below the county and 14% below Virginia. With the typical household income in Dumfries ($82,355 a year), a typical home costs 4.0 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.

  • Dumfries 4.0 years
  • Prince William 4.0 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Prince William County

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

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

Period County Virginia U.S.
Last year (2025) +2.9% +3.7% +2.9%
5 years (2020–2025) +47% +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

Dumfries next to Prince William 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
  • Dumfries $331,800
  • Prince William $530,100
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Dumfries $1,732
  • Prince William $2,067
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Dumfries $82,355
  • Prince William $131,402
  • Virginia $93,170
  • United States $80,734
See the full table
Dumfries next to Prince William County and Virginia
Measure Dumfries Prince William County Virginia U.S.
Typical home value $331,800 $530,100 $383,700 $332,700
Typical monthly rent $1,732 $2,067 $1,579 $1,413
Typical yearly household income $82,355 $131,402 $93,170 $80,734
Households that own their home 78% 74% 67% 65%
Typical yearly property tax $3,841 $4,999 $2,790 $3,119
Effective property tax rate 1.16% 0.94% 0.73% 0.94%

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

For a typical $331,800 home in Dumfries, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dumfries's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,813a month

    Least cash to close
    Down payment
    $11,613
    Cash to close
    $21,567
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $147

  • Conventional, 5% down $2,752a month

    Down payment
    $16,590
    Cash to close
    $26,544
    Rate
    7.18%
    Mortgage insurance
    PMI · $158

  • Conventional, 20% down, no PMI $2,257a month

    Down payment
    $66,360
    Cash to close
    $76,314
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,564a month

    Down payment
    $49,770
    Cash to close
    $59,724
    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 Dumfries and for Prince William County.

Property tax

Effective rate in Dumfries

1.16%of the home’s value each year

$3,841 a year for the typical owner in Dumfries.

  • Dumfries 1.16%
  • Prince William 0.94%
  • 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 Prince William County

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

Homes in the high-risk zone
0.6%
414
Of those, with NFIP insurance
46%
County Virginia U.S.
Homes in the high-risk zone 0.6% 1.5% 3.5%
Of those, with NFIP insurance 46% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dumfries

Typical rent in Dumfries is $1,732 a month: 16% below the county.

HUD publishes a fair market rent for all of Prince William 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 Prince William 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 Dumfries

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dumfries is in ZIP code 22026.

For 2 bedrooms it is $2,180: $258 less than the fair market rent for Prince William County ($2,438).

  • 22026 $2,180$2,780

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

HUD lists 4 buildings with rents for lower incomes in Dumfries. These are the largest.

  • Princeton Woods 3455 Dry Powder Cir, Dumfries 22026 276 low-income homes · 2 bd: 192 · 3 bd: 84 · In service since 2002 · For families
  • Shorehaven 16926 Porters Inn Dr, Dumfries 22026 240 low-income homes · In service since 2014 · For families
  • Orchard Landing 3102 Chesapeake Dr, Dumfries 22026 184 low-income homes · In service since 2011 · For families
  • Wyndham Pointe 16630 Harwood Oaks Ct, Dumfries 22026 194 homes, 152 low-income · In service since 2006 · For families

See all 38 buildings in Prince William County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dumfries

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 Prince William County; 1 says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Dumfries

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

The HUD-approved agencies closest to the center of Dumfries, 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 · 3 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 · 6 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 · 6 miles away

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

Every agency in Prince William County All counseling agencies in Virginia

Help in Spanish near Dumfries

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 Dumfries

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

  • Prince William County Office of HCD Section 8 vouchers (703) 792-7530

All housing agencies in Virginia Source: HUD

Cities

Other cities in Prince William County

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

Everything about Prince William County Housing in Virginia
See 4 more cities in Prince William County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Prince William 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 Dumfries.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Dumfries

Short answers with the numbers for Dumfries and all of Prince William 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 Dumfries?

The typical home value in Dumfries is $331,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Prince William County it is $530,100.

How much does it cost to rent in Dumfries?

Typical rent in Dumfries is $1,732 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Prince William County is $2,438.

What is the FHA loan limit in Dumfries?

Dumfries uses the FHA limit for all of Prince William 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 Dumfries?

The typical homeowner in Dumfries pays $3,841 a year, according to the U.S. Census Bureau. That is 1.16% of the home’s value; in Prince William County, the rate is 0.94%.

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

There are 4 HUD-approved counseling agencies with an office in Prince William County. 1 says it serves in Spanish. 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).