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City · 8,578 residents · Henrico County, Virginia

Innsbrook , Virginia

In Innsbrook, a typical home is worth $463,500 and typical rent is $1,661 a month. Compared with all of Henrico County, typical household income is 46% higher and the typical home value is 29% higher.

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  • Typical home value

    $463,500

    29% above the county

    21% above Virginia

    • Innsbrook
    • Henrico
    • Virginia

  • Typical rent

    $1,661a month

    8% above the county

    5% above Virginia

    • Innsbrook
    • Henrico
    • Virginia

  • Typical household income

    $129,436a year

    46% above the county

    39% above Virginia

    • Innsbrook
    • Henrico
    • Virginia

  • Households that own their home

    64%

    1 points below the county

    3 points below Virginia

    • Innsbrook
    • Henrico
    • Virginia

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

Innsbrook 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Innsbrook apart

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

  1. The typical household income in Innsbrook is $129,436, 46% more than in Henrico County as a whole ($88,783).

  2. Nearby, in Laurel, the typical home value is $283,600: 39% less than in Innsbrook ($463,500).

  3. The typical home in Innsbrook is worth $463,500, 29% more than in Henrico County as a whole ($359,200).

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

The homes here

Housing in Innsbrook

What homes there are in Innsbrook, 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

In Innsbrook there is a bit of everything: no kind of home reaches half. The most common are detached houses (50%); in Henrico County, 63%.

Year built

Here half of the homes date from 1992 or later; in Henrico County, from 1985 or later.

Homes in Innsbrook are smaller: 59% have 3 bedrooms or more; in Henrico County, 67%.

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

$2,266 a month

Henrico County: $1,862 a month

Without a mortgage

$596 a month

Henrico County: $590 a month

Owners with a mortgage

75%

Henrico County: 71%

Owning costs more in Innsbrook: with a mortgage, the typical cost is $2,266 a month; in Henrico County, $1,862. Without one, $596.

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

The typical home value in Innsbrook rose 28% since 2015–2019, less than in Henrico County (48%).

The typical rent in Innsbrook rose 40% over the same time; in Henrico County, it rose 32%.

The typical household income in Innsbrook rose 42% over that time; home values changed +28% and rent +40%.

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

MeasureInnsbrookHenrico CountyVirginiaUnited States
Rental vacancy Unreliable estimate5.6%4.8%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.7%2.1%3.4%
People per household 2.502.422.522.53
Drive alone 49%67%68%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 34%22%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Innsbrook has 2.50 people on average, about the same as in Henrico County (2.42).

In Innsbrook, 34% of workers work from home, more than in Henrico County (22%).

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 Innsbrook?

A typical home is tight for the typical income

We start with a typical home in Innsbrook, worth $463,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Innsbrook, which is $129,436 a year. For that payment to be 28% of income, a household would need to earn about $161,277 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Innsbrook. 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 $16,223 (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

$3,763

at 7.18% · 30 years

Loan amount
$455,104
Total interest
$654,788
Paid off in
November 2056

Includes $7,827 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,020 a month

  • Tight

    $3,020 to $3,883 a month

    Your payment · 35%

  • Hard

    more than $3,883 a month

Compared with the typical household income in Innsbrook ($129,436 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,763
Principal & interest$3,083
Property tax$282
Home insurance$193
FHA mortgage insurance (MIP)$205

You need at least $16,223 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

Innsbrook and Henrico County

Innsbrook 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).

Innsbrook's own numbers

Typical home value
$463,500
Typical monthly rent
$1,661
Typical yearly household income
$129,436
Households that own their home
64%
Effective property tax rate
0.73%

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.

Everything about Henrico County

Buying

Buying a home in Innsbrook

A typical home in Innsbrook is worth $463,500: 29% above the county and 21% above Virginia. With the typical household income in Innsbrook ($129,436 a year), a typical home costs 3.6 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.

  • Innsbrook 3.6 years
  • Henrico 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 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.

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

Innsbrook 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
  • Innsbrook $463,500
  • Henrico $359,200
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Innsbrook $1,661
  • Henrico $1,541
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Innsbrook $129,436
  • Henrico $88,783
  • Virginia $93,170
  • United States $80,734
See the full table
Innsbrook next to Henrico County and Virginia
Measure Innsbrook Henrico County Virginia U.S.
Typical home value $463,500 $359,200 $383,700 $332,700
Typical monthly rent $1,661 $1,541 $1,579 $1,413
Typical yearly household income $129,436 $88,783 $93,170 $80,734
Households that own their home 64% 64% 67% 65%
Typical yearly property tax $3,378 $2,565 $2,790 $3,119
Effective property tax rate 0.73% 0.71% 0.73% 0.94%
Renters with high rent for their income 53% 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 Innsbrook

For a typical $463,500 home in Innsbrook, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Innsbrook's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,763a month

    Least cash to close
    Down payment
    $16,223
    Cash to close
    $30,128
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $205

  • Conventional, 5% down $3,678a month

    Down payment
    $23,175
    Cash to close
    $37,080
    Rate
    7.18%
    Mortgage insurance
    PMI · $220

  • Conventional, 20% down, no PMI $2,987a month

    Down payment
    $92,700
    Cash to close
    $106,605
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,416a month

    Down payment
    $69,525
    Cash to close
    $83,430
    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 Innsbrook and for Henrico County.

Property tax

Effective rate in Innsbrook

0.73%of the home’s value each year

$3,378 a year for the typical owner in Innsbrook.

  • Innsbrook 0.73%
  • Henrico 0.71%
  • 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 Henrico County

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

Homes in the high-risk zone
0.4%
310
Of those, with NFIP insurance
95%
County Virginia U.S.
Homes in the high-risk zone 0.4% 1.5% 3.5%
Of those, with NFIP insurance 95% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Innsbrook

Typical rent in Innsbrook is $1,661 a month: 8% above the county. In Innsbrook, 53% 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.

HUD fair market rent for all of Henrico 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 $1,456 $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 Innsbrook

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Innsbrook is in ZIP code 23060.

For 2 bedrooms it is $1,960: $309 more than the fair market rent for Henrico County ($1,651).

  • 23060 $1,960$2,420

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

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.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Innsbrook

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

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

  • Commonwealth Catholic Charities, Richmond,va

    1601 Rolling Hills Dr, Richmond · 4 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (804) 285-5900

  • Housing Opportunities Made Equal of Virginia, Incorporated

    1601 Rolling Hills Dr Rm 110, Richmond · 4 miles away

    • Mortgage delinquency workshops
    • Budget and credit workshops
    • and 7 more
    (804) 354-0641

  • NSC (naca Counseling Subsidiary) - Richmond, VA

    1600 Brook Rd Ste C, Richmond · 10 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (631) 370-6222

Every agency in Henrico County All counseling agencies in Virginia

Help in Spanish near Innsbrook

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 Innsbrook

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

All housing agencies in Virginia Source: HUD

Cities

Other cities in Henrico County

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

Everything about Henrico County Housing in Virginia

Nearby cities

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

Neighboring counties

If Henrico 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 Innsbrook.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Innsbrook

Short answers with the numbers for Innsbrook 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 Innsbrook?

The typical home value in Innsbrook is $463,500, 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 Innsbrook?

Typical rent in Innsbrook is $1,661 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 Innsbrook?

Innsbrook 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 Innsbrook?

The typical homeowner in Innsbrook pays $3,378 a year, according to the U.S. Census Bureau. That is 0.73% of the home’s value; in Henrico County, the rate is 0.71%.

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

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.

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).