In Front Royal, a typical home is worth $314,400 and typical rent is $1,135 a month. Compared with all of Warren County, typical household income is 23% lower, the typical home value is 10% lower, and the share of households that own their home is 18 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $301,127 to $383,566.
Typical rent
$1,944a month
▲ 1.6% more than 12 months ago
Typical rent from Zillow, September 2025 to September 2026: from $1,914 to $1,944.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Front Royal is in Warren 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 Warren County. See the county
What this place has that others do not, from public data, most unusual first.
1
58% of households in Front Royal own their home, against 76% in Warren County.
2
The typical household income in Front Royal is $64,838,23% less than in Warren County as a whole ($84,682).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Front Royal
What homes there are in Front Royal, 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
Front Royal
Warren County
Virginia
United States
Kind of home: Front Royal and its comparisons
Measure
Front Royal
Warren County
Virginia
United States
Detached house
59%
82%
61%
61%
Attached house
15%
6%
11%
6%
Building of 2 to 4
10%
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
19%
19%
Mobile home
Unreliable estimate
Unreliable estimate
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Front Royal, 6 in 10 homes are single-family detached houses; in Warren County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Front Royal
Warren County
Virginia
United States
Year built: Front Royal and its comparisons
Measure
Front Royal
Warren County
Virginia
United States
Before 1960
33%
20%
19%
26%
1960–1979
27%
21%
24%
24%
1980–1999
27%
32%
30%
25%
2000–2009
8%
19%
15%
14%
2010 or later
5%
8%
12%
11%
The typical home in Front Royal was built in 1975, 11 years before the typical one in Warren County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K10%
$200K–$300K29%
$300K–$500K46%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Front Royal and its comparisons
Measure
Front Royal
Under $100K
Unreliable estimate
$100K–$200K
10%
$200K–$300K
29%
$300K–$500K
46%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99924%
$1,000–$1,49945%
$1,500–$1,99915%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Front Royal and its comparisons
Measure
Front Royal
Under $500
Unreliable estimate
$500–$999
24%
$1,000–$1,499
45%
$1,500–$1,999
15%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,639 a month
Warren County: $1,810 a month
Without a mortgage
$481 a month
Warren County: $521 a month
Owners with a mortgage
69%
Warren County: 72%
In Front Royal, 69% of owners have a mortgage, and their typical cost is $1,639 a month, against $1,810 in Warren County. Without one it drops to $481.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Front Royal+47%
Warren County+42%
Virginia+41%
United States+53%
Typical rent
Front Royal+17%
Warren County+18%
Virginia+28%
United States+33%
Typical household income
Front Royal+25%
Warren County+23%
Virginia+26%
United States+29%
Change since 2015–2019: Front Royal and its comparisons
Measure
Front Royal
Warren County
Virginia
United States
Typical home value
+47%
+42%
+41%
+53%
Typical rent
+17%
+18%
+28%
+33%
Typical household income
+25%
+23%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Front Royal rose 47%; in Warren County, it rose 42%.
The typical rent in Front Royal rose 17% since 2015–2019, about the same as in Warren County (18%).
The typical household income in Front Royal rose 25% over that time; home values changed +47% and rent +17%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Front Royal and its comparisons
Measure
Front Royal
Warren County
Virginia
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
2.8%
2.1%
3.4%
People per household
2.52
2.65
2.52
2.53
Drive alone
76%
73%
68%
69%
Carpool
11%
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
9%
12%
18%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Warren County, a household in Front Royal has 2.52 people on average.
To get to work, 76% of workers in Front Royal drive alone; in Warren County, 73%.
Do the math
What would you pay each month for a home in Front Royal?
A typical home costs more than the typical income allows
We start with a typical home in Front Royal, worth $314,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Front Royal, which is $64,838 a year. For that payment to be 28% of income, a household would need to earn about $106,927 a year.
The calculator's FHA and conventional loan limits are those of all of Warren 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 Front Royal. 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 $11,004 (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
$2,495
at 7.18% · 30 years
Loan amount
$308,705
Total interest
$444,155
Paid off in
November 2056
Includes $5,309 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,513 a month
Tight
$1,513 to $1,945 a month
Hard
more than $1,945 a month
Your payment · 46%
Compared with the typical household income in Front Royal ($64,838 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,091
Property tax
$134
Home insurance
$131
FHA mortgage insurance (MIP)
$139
You need at least $11,004 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 $2,495; principal and interest $2,091.
The city and its county
Front Royal and Warren County
Front Royal is in Warren 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).
Front Royal
Map of Warren County, Virginia, with Front Royal marked. Around it, the neighboring counties.
Front Royal
Warren County
Other cities with a page
Front Royal's own numbers
Typical home value
$314,400
Typical monthly rent
$1,135
Typical yearly household income
$64,838
Households that own their home
58%
Effective property tax rate
0.51%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Warren County
FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$1,449
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
3.4%
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 Warren County.
A typical home in Front Royal is worth $314,400: 10% below the county and 18% below Virginia. With the typical household income in Front Royal ($64,838 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.
Front Royal4.8 years
Warren4.1 years
Virginia4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Warren County
According to FHFA’s house price index, home prices in Warren County rose 87% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Warren County.
Yearly change in FHFA’s price index in Warren County, 2016 to 2025
2016: +1.9% +1.9% 2016
2017: +3.3% +3.3% 2017
2018: +3.5% +3.5% 2018
2019: +5.2% +5.2% 2019
2020: +3.8% +3.8% 2020
2021: +14.1% +14.1% 2021
2022: +13.7% +13.7% 2022
2023: +8.1% +8.1% 2023
2024: +6.9% +6.9% 2024
2025: +4.6% +4.6% 2025
Change in FHFA’s price index in Warren County, Virginia and the United States
Period
County
Virginia
U.S.
Last year (2025)
+4.6%
+3.7%
+2.9%
5 years (2020–2025)
+57%
+49%
+47%
10 years (2015–2025)
+87%
+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
Front Royal next to Warren 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
Front Royal$314,400
Warren$348,400
Virginia$383,700
United States$332,700
Typical monthly rent
Front Royal$1,135
Warren$1,199
Virginia$1,579
United States$1,413
Typical yearly household income
Front Royal$64,838
Warren$84,682
Virginia$93,170
United States$80,734
See the full table
Front Royal next to Warren County and Virginia
Measure
Front Royal
Warren County
Virginia
U.S.
Typical home value
$314,400 ▼10% below the county
$348,400
$383,700
$332,700
Typical monthly rent
$1,135 ▼5% below the county
$1,199
$1,579
$1,413
Typical yearly household income
$64,838 ▼23% below the county
$84,682
$93,170
$80,734
Households that own their home
58% ▼18 points below the county
76%
67%
65%
Typical yearly property tax
$1,600 ▼12% below the county
$1,819
$2,790
$3,119
Effective property tax rate
0.51% ▼0.01 points below the county
0.52%
0.73%
0.94%
Renters with high rent for their income
42%
42%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Warren 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 Front Royal
For a typical $314,400 home in Front Royal, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Front Royal's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,495a month
Least cash to close
Down payment
$11,004
Cash to close
$20,436
Rate
7.18%
Mortgage insurance
FHA MIP · $139
Conventional, 5% down$2,437a month
Down payment
$15,720
Cash to close
$25,152
Rate
7.18%
Mortgage insurance
PMI · $149
Conventional, 20% down, no PMI$1,969a month
Down payment
$62,880
Cash to close
$72,312
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,259a month
Down payment
$47,160
Cash to close
$56,592
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Front Royal
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,495
$11,004
$308,705
7.18%
FHA MIP · $139
$20,436
580
Conventional, 5% down
$2,437
$15,720
$298,680
7.18%
PMI · $149
$25,152
620*
Conventional, 20% down, no PMI
$1,969
$62,880
$251,520
7.18%
None
$72,312
620*
ITIN, 15% down (example)
$2,259
$47,160
$267,240
8.18%
None
$56,592
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 Front Royal is $1,135 a month: 5% below the county. In Front Royal, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Warren County, by unit size. To pay the 2-bedroom one ($1,449 a month) without spending more than 30% of your income, you would need to earn $27.87 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 Warren County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,063
$20.44
$42,520
1 bedroom
$1,108
$21.31
$44,320
2 bedrooms
$1,449
$27.87
$57,960
3 bedrooms
$1,930
$37.12
$77,200
4 bedrooms
$2,392
$46.00
$95,680
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 Front Royal
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Front Royal is in ZIP code 22630.
For 2 bedrooms it is $1,430: $19 less than the fair market rent for Warren County ($1,449).
Fair market rent by ZIP code and size in Front Royal, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
22630
$1,050
$1,090
$1,430
$1,890
$2,360
ZIP code2 bd3 bd
22630 $1,430$1,890
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Front Royal 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)
HUD lists 5 buildings with rents for lower incomes in Front Royal. These are the largest.
Royal Arms417 E Criser Rd, Front Royal 22630144 low-income homes · 1 bd: 36 · 2 bd: 72 · 3 bd: 35 · In service since 2003 · For families
Shenandoah Commons (front Royal)15 Shenandoah Commons Way, Front Royal 22630119 low-income homes · 2 bd: 95 · 3 bd: 24 · In service since 1998 · For families
Royal Arms Apartments401 E Criser Rd, Front Royal 22630144 homes, 100 low-income · For families(540) 636-2300
Skyline Vista343 Kendrick Ln, Front Royal 2263082 homes, 80 low-income · In service since 2009 · For families
Royal Hills I31 Royal Ln, Front Royal 2263046 low-income homes · 1 bd: 12 · 2 bd: 27 · 3 bd: 7 · In service since 2017 · For families
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 is 1 HUD-approved agency with an office in Warren County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Front Royal or Warren County. The ones below are statewide in Virginia: they work in Front Royal 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 Front Royal or Warren 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 Front Royal and all of Warren 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 Front Royal?
The typical home value in Front Royal is $314,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Warren County it is $348,400.
How much does it cost to rent in Front Royal?
Typical rent in Front Royal is $1,135 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Warren County is $1,449.
What is the FHA loan limit in Front Royal?
Front Royal uses the FHA limit for all of Warren 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 Front Royal?
The typical homeowner in Front Royal pays $1,600 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Warren County, the rate is 0.52%.
Where can I find free help to buy or rent in Front Royal?
There is 1 HUD-approved counseling agency with an office in Warren County. They can help you get ready to buy, with your credit, or with rent.
