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City · 11,919 residents · Fauquier County, Virginia

New Baltimore , Virginia

In New Baltimore, a typical home is worth $698,000. Compared with all of Fauquier County, typical household income is 45% higher, the typical home value is 22% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $698,000

    22% above the county

    82% above Virginia

    • New Baltimore
    • Fauquier
    • Virginia

  • Typical household income

    $189,327a year

    45% above the county

    103% above Virginia

    • New Baltimore
    • Fauquier
    • Virginia

  • Households that own their home

    93%

    14 points above the county

    26 points above Virginia

    • New Baltimore
    • Fauquier
    • Virginia

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

New Baltimore is in Fauquier 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 Fauquier County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets New Baltimore apart

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

  1. Nearby, in Bealeton, the typical home value is $388,400: 44% less than in New Baltimore ($698,000).

  2. The typical household income in New Baltimore is $189,327, 45% more than in Fauquier County as a whole ($130,189).

  3. 93% of households in New Baltimore own their home, against 79% in Fauquier County.

  4. The typical home in New Baltimore is worth $698,000, 22% more than in Fauquier County as a whole ($573,700).

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

The homes here

Housing in New Baltimore

What homes there are in New Baltimore, 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 New Baltimore: 98% of homes, more than in Fauquier County (85%).

Year built

Homes in New Baltimore are newer: the typical year built is 1998; in Fauquier County, 1987.

Homes in New Baltimore are bigger: 93% have 3 bedrooms or more; in Fauquier 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

$3,017 a month

Fauquier County: $2,605 a month

Without a mortgage

$858 a month

Fauquier County: $780 a month

Owners with a mortgage

83%

Fauquier County: 71%

Owning costs more in New Baltimore: with a mortgage, the typical cost is $3,017 a month; in Fauquier County, $2,605. Without one, $858.

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, home values in New Baltimore rose at about the same pace as in Fauquier County: 47% against 45%.

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

MeasureNew BaltimoreFauquier 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 estimate1.5%2.1%3.4%
People per household 3.132.782.522.53
Drive alone 69%73%68%69%
Carpool 4%7%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 24%17%18%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in New Baltimore has 3.13 people, more than in Fauquier County (2.78).

Working from home is more common in New Baltimore: 24%, against 17% in Fauquier County.

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 New Baltimore?

A typical home costs more than the typical income allows

We start with a typical home in New Baltimore, worth $698,000, 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 New Baltimore, which is $189,327 a year. For that payment to be 28% of income, a household would need to earn about $243,869 a year.

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

Your numbers

Local data
$

Starts at the typical home value in New Baltimore. 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 $24,430 (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

$5,690

at 7.18% · 30 years

Loan amount
$685,357
Total interest
$986,069
Paid off in
November 2056

Includes $11,787 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,418 a month

  • Tight

    $4,418 to $5,680 a month

  • Hard

    more than $5,680 a month

    Your payment · 36%

Compared with the typical household income in New Baltimore ($189,327 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,690
Principal & interest$4,643
Property tax$448
Home insurance$291
FHA mortgage insurance (MIP)$309

You need at least $24,430 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

New Baltimore and Fauquier County

New Baltimore is in Fauquier 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).

New Baltimore's own numbers

Typical home value
$698,000
Typical yearly household income
$189,327
Households that own their home
93%
Effective property tax rate
0.77%

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

Numbers for all of Fauquier 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
1.6%

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 Fauquier County.

Everything about Fauquier County

Buying

Buying a home in New Baltimore

A typical home in New Baltimore is worth $698,000: 22% above the county and 82% above Virginia. With the typical household income in New Baltimore ($189,327 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.

  • New Baltimore 3.7 years
  • Fauquier 4.4 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Fauquier County

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

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

Period County Virginia U.S.
Last year (2025) +6.6% +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

New Baltimore next to Fauquier 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
  • New Baltimore $698,000
  • Fauquier $573,700
  • Virginia $383,700
  • United States $332,700
Typical yearly household income
  • New Baltimore $189,327
  • Fauquier $130,189
  • Virginia $93,170
  • United States $80,734
See the full table
New Baltimore next to Fauquier County and Virginia
Measure New Baltimore Fauquier County Virginia U.S.
Typical home value $698,000 $573,700 $383,700 $332,700
Typical yearly household income $189,327 $130,189 $93,170 $80,734
Households that own their home 93% 79% 67% 65%
Typical yearly property tax $5,340 $4,320 $2,790 $3,119
Effective property tax rate 0.77% 0.75% 0.73% 0.94%

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

For a typical $698,000 home in New Baltimore, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, New Baltimore's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,690a month

    Least cash to close
    Down payment
    $24,430
    Cash to close
    $45,370
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $309

  • Conventional, 5% down $5,562a month

    Down payment
    $34,900
    Cash to close
    $55,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $332

  • Conventional, 20% down, no PMI $4,522a month

    Down payment
    $139,600
    Cash to close
    $160,540
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,167a month

    Down payment
    $104,700
    Cash to close
    $125,640
    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 New Baltimore and for Fauquier County.

Property tax

Effective rate in New Baltimore

0.77%of the home’s value each year

$5,340 a year for the typical owner in New Baltimore.

  • New Baltimore 0.77%
  • Fauquier 0.75%
  • 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 Fauquier County

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

Homes in the high-risk zone
1.6%
539
Of those, with NFIP insurance
6.7%
County Virginia U.S.
Homes in the high-risk zone 1.6% 1.5% 3.5%
Of those, with NFIP insurance 6.7% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in New Baltimore

The Census Bureau publishes no typical rent for New Baltimore. Below are the fair market rents for Fauquier County.

HUD publishes a fair market rent for all of Fauquier 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 Fauquier 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 New Baltimore

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). New Baltimore is in ZIP code 20187.

For 2 bedrooms it is $2,350: $88 less than the fair market rent for Fauquier County ($2,438).

  • 20187 $2,350$2,990

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

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in New Baltimore

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

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

  • Prince William County Virginia Cooperative Extension

    8033 Ashton Ave Ste 105, Manassas · 11 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (703) 792-6287

  • Centro de Apoyo Familiar (CAF)-Va

    13923 Minnieville Rd, Woodbridge · 22 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 · 23 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 12 more
    (703) 580-8838

All counseling agencies in Virginia

Help in Spanish near New Baltimore

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 New Baltimore

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

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

Everything about Fauquier County Housing in Virginia

Nearby cities

The cities closest to New Baltimore, with the typical home value.

Neighboring counties

If Fauquier 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 New Baltimore.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about New Baltimore

Short answers with the numbers for New Baltimore and all of Fauquier 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 New Baltimore?

The typical home value in New Baltimore is $698,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fauquier County it is $573,700.

What is the FHA loan limit in New Baltimore?

New Baltimore uses the FHA limit for all of Fauquier 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 New Baltimore?

The typical homeowner in New Baltimore pays $5,340 a year, according to the U.S. Census Bureau. That is 0.77% of the home’s value; in Fauquier County, the rate is 0.75%.

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

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