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City · 10,853 residents · Prince William County, Virginia

Independent Hill , Virginia

In Independent Hill, a typical home is worth $674,300 and typical rent is $2,295 a month. Compared with all of Prince William County, typical household income is 56% higher, the typical home value is 27% higher, and the share of households that own their home is 22 points higher.

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  • Typical home value

    $674,300

    27% above the county

    76% above Virginia

    • Independent Hill
    • Prince William
    • Virginia

  • Typical rent

    $2,295a month

    11% above the county

    45% above Virginia

    • Independent Hill
    • Prince William
    • Virginia

  • Typical household income

    $204,886a year

    56% above the county

    120% above Virginia

    • Independent Hill
    • Prince William
    • Virginia

  • Households that own their home

    96%

    22 points above the county

    29 points above Virginia

    • Independent Hill
    • Prince William
    • Virginia

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

Independent Hill 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 Independent Hill apart

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

  1. The typical household income in Independent Hill is $204,886, 56% more than in Prince William County as a whole ($131,402).

  2. Independent Hill has the 5th highest homeownership rate of the 158 cities in Virginia with more than 5,000 people (96%).

  3. Nearby, in Dale City, the typical home value is $425,500: 37% less than in Independent Hill ($674,300).

  4. The typical home in Independent Hill is worth $674,300, 27% more than in Prince William County as a whole ($530,100).

  5. Nearby, in Dale City, the typical rent is $1,876: 18% less than in Independent Hill ($2,295).

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

The homes here

Housing in Independent Hill

What homes there are in Independent Hill, 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 97% of homes here, against 55% in Prince William County.

Year built

Homes in Independent Hill are newer: the typical year built is 2000; in Prince William County, 1995.

There is more room for a big family here: 96% of homes have 3 bedrooms or more, against 79% 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

$3,109 a month

Prince William County: $2,714 a month

Without a mortgage

$950 a month

Prince William County: $826 a month

Owners with a mortgage

87%

Prince William County: 79%

Owning costs more in Independent Hill: with a mortgage, the typical cost is $3,109 a month; in Prince William County, $2,714. Without one, $950.

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, the typical home value in Independent Hill rose 34%; in Prince William County, it rose 39%.

The typical rent in Independent Hill 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

MeasureIndependent HillPrince 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 3.423.092.522.53
Drive alone 63%66%68%69%
Carpool 8%10%8%9%
Public transit Unreliable estimate3%2%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 23%19%18%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Households in Independent Hill are bigger: 3.42 people on average; in Prince William County, 3.09.

In Independent Hill, 23% of workers work from home, more than in Prince William County (19%).

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 Independent Hill?

A typical home is tight for the typical income

We start with a typical home in Independent Hill, worth $674,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Independent Hill, which is $204,886 a year. For that payment to be 28% of income, a household would need to earn about $239,201 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 Independent Hill. 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 $23,601 (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

$5,581

at 7.18% · 30 years

Loan amount
$662,086
Total interest
$952,587
Paid off in
November 2056

Includes $11,387 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,781 a month

  • Tight

    $4,781 to $6,147 a month

    Your payment · 33%

  • Hard

    more than $6,147 a month

Compared with the typical household income in Independent Hill ($204,886 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,581
Principal & interest$4,485
Property tax$517
Home insurance$281
FHA mortgage insurance (MIP)$298

You need at least $23,601 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

Independent Hill and Prince William County

Independent Hill 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).

Independent Hill's own numbers

Typical home value
$674,300
Typical monthly rent
$2,295
Typical yearly household income
$204,886
Households that own their home
96%
Effective property tax rate
0.92%

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 Independent Hill

A typical home in Independent Hill is worth $674,300: 27% above the county and 76% above Virginia. With the typical household income in Independent Hill ($204,886 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.

  • Independent Hill 3.3 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

Independent Hill 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
  • Independent Hill $674,300
  • Prince William $530,100
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Independent Hill $2,295
  • Prince William $2,067
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Independent Hill $204,886
  • Prince William $131,402
  • Virginia $93,170
  • United States $80,734
See the full table
Independent Hill next to Prince William County and Virginia
Measure Independent Hill Prince William County Virginia U.S.
Typical home value $674,300 $530,100 $383,700 $332,700
Typical monthly rent $2,295 $2,067 $1,579 $1,413
Typical yearly household income $204,886 $131,402 $93,170 $80,734
Households that own their home 96% 74% 67% 65%
Typical yearly property tax $6,236 $4,999 $2,790 $3,119
Effective property tax rate 0.92% 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 Independent Hill

For a typical $674,300 home in Independent Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Independent Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,581a month

    Least cash to close
    Down payment
    $23,601
    Cash to close
    $43,830
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $298

  • Conventional, 5% down $5,458a month

    Down payment
    $33,715
    Cash to close
    $53,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $320

  • Conventional, 20% down, no PMI $4,452a month

    Down payment
    $134,860
    Cash to close
    $155,089
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,076a month

    Down payment
    $101,145
    Cash to close
    $121,374
    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 Independent Hill and for Prince William County.

Property tax

Effective rate in Independent Hill

0.92%of the home’s value each year

$6,236 a year for the typical owner in Independent Hill.

  • Independent Hill 0.92%
  • 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 Independent Hill

Typical rent in Independent Hill is $2,295 a month: 11% above 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 Independent Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Independent Hill has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,270 in 22193 to $2,560 in 20112.

1 of the 2 is above the fair market rent for Prince William County ($2,438).

  • 20112 $2,560$3,260
  • 22193 $2,270$2,890

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Independent Hill 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?

Free help

Help to buy or rent in Independent Hill

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Independent Hill

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

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

  • Centro de Apoyo Familiar (CAF)-Va

    13923 Minnieville Rd, Woodbridge · 5 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

  • Prince William County Virginia Cooperative Extension

    15941 Donald Curtis Dr, Woodbridge · 8 miles away · Spanish

    Also serves in American Sign Language (ASL).

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (703) 792-4713

Every agency in Prince William County All counseling agencies in Virginia

Help in Spanish near Independent Hill

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 Independent Hill

HUD’s record names them for Independent Hill 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 Independent Hill, 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 Independent Hill.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Independent Hill

Short answers with the numbers for Independent Hill 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 Independent Hill?

The typical home value in Independent Hill is $674,300, 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 Independent Hill?

Typical rent in Independent Hill is $2,295 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 Independent Hill?

Independent Hill 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 Independent Hill?

The typical homeowner in Independent Hill pays $6,236 a year, according to the U.S. Census Bureau. That is 0.92% 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 Independent Hill?

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).