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City · 19,120 residents · Chesterfield County, Virginia

Midlothian , Virginia

In Midlothian, a typical home is worth $408,500 and typical rent is $1,760 a month. Compared with all of Chesterfield County, the typical home value is 12% higher and typical rent is 8% higher.

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  • Typical home value

    $408,500

    12% above the county

    6% above Virginia

    • Midlothian
    • Chesterfield
    • Virginia

  • Typical rent

    $1,760a month

    8% above the county

    11% above Virginia

    • Midlothian
    • Chesterfield
    • Virginia

  • Typical household income

    $110,084a year

    8% above the county

    18% above Virginia

    • Midlothian
    • Chesterfield
    • Virginia

  • Households that own their home

    74%

    3 points below the county

    6 points above Virginia

    • Midlothian
    • Chesterfield
    • Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$468,594
2.5% more than 12 months ago
Typical rent
$2,028 a month
3.6% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Midlothian is in Chesterfield 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 Chesterfield County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Midlothian apart

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

  1. Nearby, in Manchester, the typical home value is $317,000: 22% less than in Midlothian ($408,500).

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

The homes here

Housing in Midlothian

What homes there are in Midlothian, 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 is still the most common home in Midlothian, but it weighs less than in Chesterfield County: 64% against 78%.

Year built

Homes in Midlothian are newer: the typical year built is 2001; in Chesterfield County, 1990.

Homes in Midlothian are smaller: 68% have 3 bedrooms or more; in Chesterfield County, 81%.

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

$2,103 a month

Chesterfield County: $1,933 a month

Without a mortgage

$687 a month

Chesterfield County: $612 a month

Owners with a mortgage

72%

Chesterfield County: 73%

Owning costs more in Midlothian: with a mortgage, the typical cost is $2,103 a month; in Chesterfield County, $1,933. Without one, $687.

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 Census does not compare Midlothian with 2015–2019 because its boundaries changed. In Chesterfield County, over that time, the typical home value rose 52%.

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

MeasureMidlothianChesterfield CountyVirginiaUnited States
Rental vacancy Unreliable estimate5.3%4.8%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.6%2.1%3.4%
People per household 2.452.662.522.53
Drive alone 75%71%68%69%
Carpool 3%7%8%9%
Public transit Unreliable estimate0%2%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 22%20%18%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.45 on average, against 2.66 in Chesterfield County.

To get to work, 75% of workers in Midlothian drive alone; in Chesterfield County, 71%.

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 Midlothian?

A typical home costs more than the typical income allows

We start with a typical home in Midlothian, worth $408,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Midlothian, which is $110,084 a year. For that payment to be 28% of income, a household would need to earn about $143,161 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Midlothian. 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 $14,298 (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

$3,340

at 7.18% · 30 years

Loan amount
$401,101
Total interest
$577,090
Paid off in
November 2056

Includes $6,899 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,569 a month

  • Tight

    $2,569 to $3,303 a month

  • Hard

    more than $3,303 a month

    Your payment · 36%

Compared with the typical household income in Midlothian ($110,084 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,340
Principal & interest$2,717
Property tax$272
Home insurance$170
FHA mortgage insurance (MIP)$181

You need at least $14,298 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

Midlothian and Chesterfield County

Midlothian is in Chesterfield 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).

Midlothian's own numbers

Typical home value
$408,500
Typical monthly rent
$1,760
Typical yearly household income
$110,084
Households that own their home
74%
Effective property tax rate
0.8%

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

Numbers for all of Chesterfield 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
0.7%

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 Chesterfield County.

Everything about Chesterfield County

Buying

Buying a home in Midlothian

A typical home in Midlothian is worth $408,500: 12% above the county and 6% above Virginia. With the typical household income in Midlothian ($110,084 a year), a typical home costs 3.7 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.

  • Midlothian 3.7 years
  • Chesterfield 3.6 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chesterfield County

According to FHFA’s house price index, home prices in Chesterfield County rose 96% in the 10 years through 2025.

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

Period County Virginia U.S.
Last year (2025) +2.8% +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

Midlothian next to Chesterfield 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
  • Midlothian $408,500
  • Chesterfield $366,000
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Midlothian $1,760
  • Chesterfield $1,629
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Midlothian $110,084
  • Chesterfield $101,931
  • Virginia $93,170
  • United States $80,734
See the full table
Midlothian next to Chesterfield County and Virginia
Measure Midlothian Chesterfield County Virginia U.S.
Typical home value $408,500 $366,000 $383,700 $332,700
Typical monthly rent $1,760 $1,629 $1,579 $1,413
Typical yearly household income $110,084 $101,931 $93,170 $80,734
Households that own their home 74% 77% 67% 65%
Typical yearly property tax $3,251 $2,773 $2,790 $3,119
Effective property tax rate 0.8% 0.76% 0.73% 0.94%
Renters with high rent for their income 58% 52% 49% 51%

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

For a typical $408,500 home in Midlothian, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Midlothian's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,340a month

    Least cash to close
    Down payment
    $14,298
    Cash to close
    $26,553
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $181

  • Conventional, 5% down $3,266a month

    Down payment
    $20,425
    Cash to close
    $32,680
    Rate
    7.18%
    Mortgage insurance
    PMI · $194

  • Conventional, 20% down, no PMI $2,656a month

    Down payment
    $81,700
    Cash to close
    $93,955
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,034a month

    Down payment
    $61,275
    Cash to close
    $73,530
    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 Midlothian and for Chesterfield County.

Property tax

Effective rate in Midlothian

0.8%of the home’s value each year

$3,251 a year for the typical owner in Midlothian.

  • Midlothian 0.8%
  • Chesterfield 0.76%
  • 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 Chesterfield County

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

Homes in the high-risk zone
0.7%
922
Of those, with NFIP insurance
26%
County Virginia U.S.
Homes in the high-risk zone 0.7% 1.5% 3.5%
Of those, with NFIP insurance 26% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Midlothian

Typical rent in Midlothian is $1,760 a month: 8% above the county. In Midlothian, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chesterfield 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 Chesterfield 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 Midlothian

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Midlothian is in ZIP code 23114.

For 2 bedrooms it is $1,950: $299 more than the fair market rent for Chesterfield County ($1,651).

  • 23114 $1,950$2,410

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

Low-income apartments

Low-income apartments in Midlothian

HUD lists 8 buildings with rents for lower incomes in Midlothian. These are the largest.

  • Creekpointe 14600 Creekpointe Cir, Midlothian 23114 214 low-income homes · In service since 2004 · For families
  • Mallard Cove I 4123 Mallard Landing Cir, Midlothian 23112 144 low-income homes · In service since 1997 · For families
  • Atlantic at Charter Colony 801 Charter Colony Pkwy, Midlothian 23114 113 low-income homes · In service since 2008 · For older adults
  • Mallard Cove II 4123 Mallard Landing Cir, Midlothian 23112 108 low-income homes · 2 bd: 51 · 3 bd: 48 · 4 bd: 9 · In service since 2000 · For families
  • Genito Glen 4041 Hailey Crescent Dr, Midlothian 23112 102 low-income homes · In service since 2000 · For families

See all 32 buildings in Chesterfield County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Midlothian

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 Chesterfield County; none says it serves in Spanish.

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 Midlothian

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

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

  • Credit Restoration Institute

    31 N Providence Rd, North Chesterfield · 6 miles away

    • Budget and credit workshops
    • Workshops for new owners
    • and 4 more
    (804) 823-9601

  • Commonwealth Catholic Charities, Richmond,va

    1601 Rolling Hills Dr, Richmond · 10 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 · 10 miles away

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

Every agency in Chesterfield County All counseling agencies in Virginia

Help in Spanish near Midlothian

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 Midlothian

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

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

Everything about Chesterfield County Housing in Virginia

Nearby cities

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

Neighboring counties

If Chesterfield 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 Midlothian.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Midlothian

Short answers with the numbers for Midlothian and all of Chesterfield 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 Midlothian?

The typical home value in Midlothian is $408,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chesterfield County it is $366,000.

How much does it cost to rent in Midlothian?

Typical rent in Midlothian is $1,760 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chesterfield County is $1,651.

What is the FHA loan limit in Midlothian?

Midlothian uses the FHA limit for all of Chesterfield 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 Midlothian?

The typical homeowner in Midlothian pays $3,251 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Chesterfield County, the rate is 0.76%.

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

There is 1 HUD-approved counseling agency with an office in Chesterfield 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).