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City · 6,358 residents · Rockingham County, Virginia

Massanetta Springs , Virginia

In Massanetta Springs, a typical home is worth $467,700 and typical rent is $1,822 a month. Compared with all of Rockingham County, typical rent is 57% higher and the typical home value is 49% higher.

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  • Typical home value

    $467,700

    49% above the county

    22% above Virginia

    • Massanetta Springs
    • Rockingham
    • Virginia

  • Typical rent

    $1,822a month

    57% above the county

    15% above Virginia

    • Massanetta Springs
    • Rockingham
    • Virginia

  • Typical household income

    $114,737a year

    42% above the county

    23% above Virginia

    • Massanetta Springs
    • Rockingham
    • Virginia

  • Households that own their home

    72%

    3 points below the county

    5 points above Virginia

    • Massanetta Springs
    • Rockingham
    • Virginia

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

Massanetta Springs is in Rockingham County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Rockingham County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Massanetta Springs apart

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

  1. The typical rent in Massanetta Springs is $1,822 a month, 57% more than in Rockingham County as a whole ($1,160).

  2. The typical home in Massanetta Springs is worth $467,700, 49% more than in Rockingham County as a whole ($313,000).

  3. The typical household income in Massanetta Springs is $114,737, 42% more than in Rockingham County as a whole ($80,693).

  4. Nearby, in Stuarts Draft, the typical home value is $294,300: 37% less than in Massanetta Springs ($467,700).

  5. Nearby, in Stuarts Draft, the typical rent is $1,201: 34% less than in Massanetta Springs ($1,822).

  6. Massanetta Springs has the 10th smallest share of rent-burdened renters of the 133 cities in Virginia with more than 5,000 people (34%).

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

The homes here

Housing in Massanetta Springs

What homes there are in Massanetta Springs, 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 are the majority in Massanetta Springs (60%), but less so than in Rockingham County (73%).

Year built

The typical home in Massanetta Springs was built in 2003, 17 years after the typical one in Rockingham County.

Much as in Rockingham County, 75% of homes in Massanetta Springs have 3 bedrooms or more.

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

$1,786 a month

Rockingham County: $1,618 a month

Without a mortgage

$568 a month

Rockingham County: $461 a month

Owners with a mortgage

59%

Rockingham County: 56%

Owning costs more in Massanetta Springs: with a mortgage, the typical cost is $1,786 a month; in Rockingham County, $1,618. Without one, $568.

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 Massanetta Springs rose 19%; in Rockingham County, it rose 48%.

Since 2015–2019, the typical rent in Massanetta Springs rose 38%, more than in Rockingham County (28%).

To compare: typical income in Massanetta Springs rose 26%; the home, +19%; the rent, +38%.

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

MeasureMassanetta SpringsRockingham CountyVirginiaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.2%2.1%3.4%
People per household 2.302.562.522.53
Drive alone 74%78%68%69%
Carpool 13%10%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 13%9%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

On average, a household in Massanetta Springs has 2.30 people, fewer than in Rockingham County (2.56).

Many people here do not commute at all: 13% work from home; in Rockingham County, 9%.

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 Massanetta Springs?

A typical home costs more than the typical income allows

We start with a typical home in Massanetta Springs, worth $467,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Massanetta Springs, which is $114,737 a year. For that payment to be 28% of income, a household would need to earn about $160,567 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Massanetta Springs. 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 $16,370 (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

$3,747

at 7.18% · 30 years

Loan amount
$459,228
Total interest
$660,722
Paid off in
November 2056

Includes $7,898 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,677 a month

  • Tight

    $2,677 to $3,442 a month

  • Hard

    more than $3,442 a month

    Your payment · 39%

Compared with the typical household income in Massanetta Springs ($114,737 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,747
Principal & interest$3,111
Property tax$234
Home insurance$195
FHA mortgage insurance (MIP)$207

You need at least $16,370 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

Massanetta Springs and Rockingham County

Massanetta Springs is in Rockingham 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).

Massanetta Springs's own numbers

Typical home value
$467,700
Typical monthly rent
$1,822
Typical yearly household income
$114,737
Households that own their home
72%
Effective property tax rate
0.6%

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

Numbers for all of Rockingham County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,264
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
3.6%

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 Rockingham County.

Everything about Rockingham County

Buying

Buying a home in Massanetta Springs

A typical home in Massanetta Springs is worth $467,700: 49% above the county and 22% above Virginia. With the typical household income in Massanetta Springs ($114,737 a year), a typical home costs 4.1 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.

  • Massanetta Springs 4.1 years
  • Rockingham 3.9 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Rockingham County

According to FHFA’s house price index, home prices in Rockingham County rose 70% in the 10 years through 2025.

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

Period County Virginia U.S.
Last year (2025) +4.8% +3.7% +2.9%
5 years (2020–2025) +49% +49% +47%
10 years (2015–2025) +70% +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

Massanetta Springs next to Rockingham 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
  • Massanetta Springs $467,700
  • Rockingham $313,000
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Massanetta Springs $1,822
  • Rockingham $1,160
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Massanetta Springs $114,737
  • Rockingham $80,693
  • Virginia $93,170
  • United States $80,734
See the full table
Massanetta Springs next to Rockingham County and Virginia
Measure Massanetta Springs Rockingham County Virginia U.S.
Typical home value $467,700 $313,000 $383,700 $332,700
Typical monthly rent $1,822 $1,160 $1,579 $1,413
Typical yearly household income $114,737 $80,693 $93,170 $80,734
Households that own their home 72% 75% 67% 65%
Typical yearly property tax $2,795 $1,645 $2,790 $3,119
Effective property tax rate 0.6% 0.53% 0.73% 0.94%
Renters with high rent for their income 34% 43% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Rockingham 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 Massanetta Springs

For a typical $467,700 home in Massanetta Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Massanetta Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,747a month

    Least cash to close
    Down payment
    $16,370
    Cash to close
    $30,401
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $207

  • Conventional, 5% down $3,661a month

    Down payment
    $23,385
    Cash to close
    $37,416
    Rate
    7.18%
    Mortgage insurance
    PMI · $222

  • Conventional, 20% down, no PMI $2,963a month

    Down payment
    $93,540
    Cash to close
    $107,571
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,396a month

    Down payment
    $70,155
    Cash to close
    $84,186
    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 Massanetta Springs and for Rockingham County.

Property tax

Effective rate in Massanetta Springs

0.6%of the home’s value each year

$2,795 a year for the typical owner in Massanetta Springs.

  • Massanetta Springs 0.6%
  • Rockingham 0.53%
  • 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 Rockingham County

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

Homes in the high-risk zone
3.6%
1,350
Of those, with NFIP insurance
15%
County Virginia U.S.
Homes in the high-risk zone 3.6% 1.5% 3.5%
Of those, with NFIP insurance 15% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Massanetta Springs

Typical rent in Massanetta Springs is $1,822 a month: 57% above the county. In Massanetta Springs, 34% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Rockingham County, by unit size. To pay the 2-bedroom one ($1,264 a month) without spending more than 30% of your income, you would need to earn $24.31 an hour working full time.

HUD fair market rent for all of Rockingham 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 $1,038 $19.96 $41,520
1 bedroom $1,044 $20.08 $41,760
2 bedrooms $1,264 $24.31 $50,560
3 bedrooms $1,728 $33.23 $69,120
4 bedrooms $2,034 $39.12 $81,360

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 Massanetta Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Massanetta Springs is in ZIP code 22801.

For 2 bedrooms it is $1,460: $196 more than the fair market rent for Rockingham County ($1,264).

  • 22801 $1,460$2,000

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

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 Rockingham County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Massanetta Springs

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

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

  • Piedmont Housing Alliance

    682 Berkmar Cir, Charlottesville · 29 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (434) 817-2436

  • Skyline Community Action Partnership, Inc.

    532 S Main St, Madison · 31 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 6 more
    (540) 948-3916

  • Skyline Community Action Program, Incorporated

    532 S Main St, Madison · 31 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (540) 948-3916

All counseling agencies in Virginia

Help in Spanish near Massanetta Springs

None of the 3 agencies on this list say they serve 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 Massanetta Springs

HUD lists no housing authority with an office in Rockingham 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 Rockingham County

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

Everything about Rockingham County Housing in Virginia

Nearby cities

The cities closest to Massanetta Springs, with the typical home value.

Neighboring counties

If Rockingham 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 Massanetta Springs.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Massanetta Springs

Short answers with the numbers for Massanetta Springs and all of Rockingham 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 Massanetta Springs?

The typical home value in Massanetta Springs is $467,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rockingham County it is $313,000.

How much does it cost to rent in Massanetta Springs?

Typical rent in Massanetta Springs is $1,822 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rockingham County is $1,264.

What is the FHA loan limit in Massanetta Springs?

Massanetta Springs uses the FHA limit for all of Rockingham County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Massanetta Springs?

The typical homeowner in Massanetta Springs pays $2,795 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Rockingham County, the rate is 0.53%.

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

We found no HUD-approved counseling agencies with an office in Rockingham 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).