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City · 11,018 residents · Loudoun County, Virginia

Lowes Island , Virginia

In Lowes Island, a typical home is worth $793,200 and typical rent is $2,840 a month. Compared with all of Loudoun County, typical household income is 21% higher, typical rent is 19% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $793,200

    7% above the county

    107% above Virginia

    • Lowes Island
    • Loudoun
    • Virginia

  • Typical rent

    $2,840a month

    19% above the county

    80% above Virginia

    • Lowes Island
    • Loudoun
    • Virginia

  • Typical household income

    $220,833a year

    21% above the county

    137% above Virginia

    • Lowes Island
    • Loudoun
    • Virginia

  • Households that own their home

    89%

    11 points above the county

    22 points above Virginia

    • Lowes Island
    • Loudoun
    • Virginia

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

Lowes Island is in Loudoun 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 Loudoun County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lowes Island apart

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

  1. Nearby, in Sugarland Run, the typical home value is $576,700: 27% less than in Lowes Island ($793,200).

  2. Nearby, in Countryside, the typical rent is $2,234: 21% less than in Lowes Island ($2,840).

  3. The typical household income in Lowes Island is $220,833, 21% more than in Loudoun County as a whole ($181,765).

  4. The typical rent in Lowes Island is $2,840 a month, 19% more than in Loudoun County as a whole ($2,386).

  5. 89% of households in Lowes Island own their home, against 78% in Loudoun County.

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

The homes here

Housing in Lowes Island

What homes there are in Lowes Island, 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

The detached house rules in Lowes Island: 57% of homes, more than in Loudoun County (51%).

Year built

The typical home in Lowes Island was built in 1997, 5 years before the typical one in Loudoun County.

Homes in Lowes Island are bigger: 96% have 3 bedrooms or more; in Loudoun County, 80%.

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

$3,497 a month

Loudoun County: $3,270 a month

Without a mortgage

$1,067 a month

Loudoun County: $955 a month

Owners with a mortgage

82%

Loudoun County: 81%

The typical cost for an owner with a mortgage in Lowes Island is $3,497 a month, more than in Loudoun County ($3,270); without one, $1,067.

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

Homes in Lowes Island gained value more slowly than in Loudoun County: 33% since 2015–2019, against 46%.

Rents in Lowes Island rose more slowly than in Loudoun County: 21% since 2015–2019, against 28%.

The typical household income in Lowes Island rose 25% over that time; home values changed +33% and rent +21%.

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

MeasureLowes IslandLoudoun CountyVirginiaUnited States
Rental vacancy Unreliable estimate3.9%4.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate2.5%2.1%3.4%
People per household 2.863.022.522.53
Drive alone 55%58%68%69%
Carpool 5%7%8%9%
Public transit 3%1%2%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 36%31%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Lowes Island are smaller: 2.86 people on average; in Loudoun County, 3.02.

Many people here do not commute at all: 36% work from home; in Loudoun County, 31%.

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 Lowes Island?

A typical home is tight for the typical income

We start with a typical home in Lowes Island, worth $793,200, 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 Lowes Island, which is $220,833 a year. For that payment to be 28% of income, a household would need to earn about $278,264 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Lowes Island. 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 $27,762 (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

$6,493

at 7.18% · 30 years

Loan amount
$778,833
Total interest
$1,120,558
Paid off in
November 2056

Includes $13,395 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $5,153 a month

  • Tight

    $5,153 to $6,625 a month

    Your payment · 35%

  • Hard

    more than $6,625 a month

Compared with the typical household income in Lowes Island ($220,833 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,493
Principal & interest$5,276
Property tax$535
Home insurance$331
FHA mortgage insurance (MIP)$351

You need at least $27,762 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

Lowes Island and Loudoun County

Lowes Island is in Loudoun 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).

Lowes Island's own numbers

Typical home value
$793,200
Typical monthly rent
$2,840
Typical yearly household income
$220,833
Households that own their home
89%
Effective property tax rate
0.81%

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

Numbers for all of Loudoun 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)
+49%
Homes in a high flood-risk zone
0.1%

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 Loudoun County.

Everything about Loudoun County

Buying

Buying a home in Lowes Island

A typical home in Lowes Island is worth $793,200: 7% above the county and 107% above Virginia. With the typical household income in Lowes Island ($220,833 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.

  • Lowes Island 3.6 years
  • Loudoun 4.1 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Loudoun County

According to FHFA’s house price index, home prices in Loudoun County rose 76% in the 10 years through 2025.

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

Period County Virginia U.S.
Last year (2025) +4.3% +3.7% +2.9%
5 years (2020–2025) +49% +49% +47%
10 years (2015–2025) +76% +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

Lowes Island next to Loudoun 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
  • Lowes Island $793,200
  • Loudoun $743,800
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Lowes Island $2,840
  • Loudoun $2,386
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Lowes Island $220,833
  • Loudoun $181,765
  • Virginia $93,170
  • United States $80,734
See the full table
Lowes Island next to Loudoun County and Virginia
Measure Lowes Island Loudoun County Virginia U.S.
Typical home value $793,200 $743,800 $383,700 $332,700
Typical monthly rent $2,840 $2,386 $1,579 $1,413
Typical yearly household income $220,833 $181,765 $93,170 $80,734
Households that own their home 89% 78% 67% 65%
Typical yearly property tax $6,444 $6,325 $2,790 $3,119
Effective property tax rate 0.81% 0.85% 0.73% 0.94%
Renters with high rent for their income 43% 44% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Loudoun 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 Lowes Island

For a typical $793,200 home in Lowes Island, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lowes Island's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,493a month

    Least cash to close
    Down payment
    $27,762
    Cash to close
    $51,558
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $351

  • Conventional, 5% down $6,347a month

    Down payment
    $39,660
    Cash to close
    $63,456
    Rate
    7.18%
    Mortgage insurance
    PMI · $377

  • Conventional, 20% down, no PMI $5,165a month

    Down payment
    $158,640
    Cash to close
    $182,436
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,898a month

    Down payment
    $118,980
    Cash to close
    $142,776
    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 Lowes Island and for Loudoun County.

Property tax

Effective rate in Lowes Island

0.81%of the home’s value each year

$6,444 a year for the typical owner in Lowes Island.

  • Lowes Island 0.81%
  • Loudoun 0.85%
  • 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 Loudoun County

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

Homes in the high-risk zone
0.1%
70
Of those, with NFIP insurance
91%
County Virginia U.S.
Homes in the high-risk zone 0.1% 1.5% 3.5%
Of those, with NFIP insurance 91% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lowes Island

Typical rent in Lowes Island is $2,840 a month: 19% above the county. In Lowes Island, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Loudoun 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 Loudoun 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 Lowes Island

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lowes Island is in ZIP code 20165.

For 2 bedrooms it is $2,860: $422 more than the fair market rent for Loudoun County ($2,438).

  • 20165 $2,860$3,640

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

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.

We found no HUD-approved agencies with an office in Loudoun County. The nearest ones are below; many serve by phone or online.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Lowes Island

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

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

  • Cornerstones, Inc.

    11150 Sunset Hills Rd Ste 210, Reston · 7 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (571) 323-9555

  • Korean Community Service Center of Greater Washington

    7700 Little River Tpke Ste 406, Annandale · 17 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (703) 354-6345

  • Latino Economic Development Corporation - Branch

    2300 Wilson Blvd, Arlington · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (703) 527-3854

All counseling agencies in Virginia

Help in Spanish near Lowes Island

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 Lowes Island

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

All housing agencies in Virginia Source: HUD

Cities

Other cities in Loudoun County

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

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

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

Nearby cities

The cities closest to Lowes Island, with the typical home value.

Neighboring counties

If Loudoun 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 Lowes Island.

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 Lowes Island

Short answers with the numbers for Lowes Island and all of Loudoun 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 Lowes Island?

The typical home value in Lowes Island is $793,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Loudoun County it is $743,800.

How much does it cost to rent in Lowes Island?

Typical rent in Lowes Island is $2,840 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Loudoun County is $2,438.

What is the FHA loan limit in Lowes Island?

Lowes Island uses the FHA limit for all of Loudoun 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 Lowes Island?

The typical homeowner in Lowes Island pays $6,444 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Loudoun County, the rate is 0.85%.

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

We found no HUD-approved counseling agencies with an office in Loudoun County; the nearest ones are on this page. 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).