In Orange, a typical home is worth $273,300 and typical rent is $1,103 a month. Compared with all of Orange County, the typical home value is 25% lower, typical household income is 19% lower, and the share of households that own their home is 29 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $271,665 to $338,074.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Orange is in Orange 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 Orange County. See the county
What this place has that others do not, from public data, most unusual first.
1
49% of households in Orange own their home, against 79% in Orange County.
2
The typical home in Orange is worth $273,300,25% less than in Orange County as a whole ($364,200).
3
The typical household income in Orange is $76,370,19% less than in Orange County as a whole ($94,008).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Orange
What homes there are in Orange, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Orange
Orange County
Virginia
United States
Kind of home: Orange and its comparisons
Measure
Orange
Orange County
Virginia
United States
Detached house
55%
84%
61%
61%
Attached house
Unreliable estimate
4%
11%
6%
Building of 2 to 4
Unreliable estimate
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
5%
19%
19%
Mobile home
Unreliable estimate
4%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Orange, but it weighs less than in Orange County: 55% against 84%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Orange
Orange County
Virginia
United States
Year built: Orange and its comparisons
Measure
Orange
Orange County
Virginia
United States
Before 1960
39%
16%
19%
26%
1960–1979
11%
17%
24%
24%
1980–1999
15%
26%
30%
25%
2000–2009
22%
27%
15%
14%
2010 or later
Unreliable estimate
14%
12%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K39%
$300K–$500K35%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Orange and its comparisons
Measure
Orange
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
39%
$300K–$500K
35%
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49947%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Orange and its comparisons
Measure
Orange
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
47%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,412 a month
Orange County: $1,754 a month
Without a mortgage
$512 a month
Orange County: $544 a month
Owners with a mortgage
64%
Orange County: 69%
The typical cost for an owner with a mortgage in Orange is $1,412 a month, less than in Orange County ($1,754); without one, $512.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Orange+24%
Orange County+49%
Virginia+41%
United States+53%
Typical rent
Orange+17%
Orange County+22%
Virginia+28%
United States+33%
Typical household income
Orange+51%
Orange County+31%
Virginia+26%
United States+29%
Change since 2015–2019: Orange and its comparisons
Measure
Orange
Orange County
Virginia
United States
Typical home value
+24%
+49%
+41%
+53%
Typical rent
+17%
+22%
+28%
+33%
Typical household income
+51%
+31%
+26%
+29%
Homes in Orange gained value more slowly than in Orange County: 24% since 2015–2019, against 49%.
The typical rent in Orange rose 17% over the same time; in Orange County, it rose 22%.
Here income gained ground: typical income rose 51%, against +24% for home values and +17% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Orange and its comparisons
Measure
Orange
Orange County
Virginia
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.8%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
2.1%
3.4%
People per household
2.33
2.51
2.52
2.53
Drive alone
73%
74%
68%
69%
Carpool
Unreliable estimate
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
2%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
14%
18%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.33 on average, against 2.51 in Orange County.
To get to work, 73% of workers in Orange drive alone; in Orange County, 74%.
Do the math
What would you pay each month for a home in Orange?
A typical home is tight for the typical income
We start with a typical home in Orange, worth $273,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Orange, which is $76,370 a year. For that payment to be 28% of income, a household would need to earn about $94,022 a year.
The calculator's FHA and conventional loan limits are those of all of Orange County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Orange. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,566 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,194
at 7.18% · 30 years
Loan amount
$268,349
Total interest
$386,092
Paid off in
November 2056
Includes $4,615 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,782 a month
Tight
$1,782 to $2,291 a month
Your payment · 34%
Hard
more than $2,291 a month
Compared with the typical household income in Orange ($76,370 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,818
Property tax
$141
Home insurance
$114
FHA mortgage insurance (MIP)
$121
You need at least $9,566 for the down payment, plus closing costs.
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.
Total monthly payment $2,194; principal and interest $1,818.
The city and its county
Orange and Orange County
Orange is in Orange 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).
Orange
Map of Orange County, Virginia, with Orange marked. Around it, the neighboring counties.
Orange
Orange County
Other cities with a page
Orange's own numbers
Typical home value
$273,300
Typical monthly rent
$1,103
Typical yearly household income
$76,370
Households that own their home
49%
Effective property tax rate
0.62%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Orange County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,262
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
0.2%
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 Orange County.
A typical home in Orange is worth $273,300: 25% below the county and 29% below Virginia. With the typical household income in Orange ($76,370 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.
Orange3.6 years
County3.9 years
Virginia4.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Orange County
According to FHFA’s house price index, home prices in Orange County rose 80% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Orange County.
Yearly change in FHFA’s price index in Orange County, 2016 to 2025
2016: +2.4% +2.4% 2016
2017: +1.8% +1.8% 2017
2018: +4.9% +4.9% 2018
2019: +5.1% +5.1% 2019
2020: +3.7% +3.7% 2020
2021: +12.8% +12.8% 2021
2022: +13.4% +13.4% 2022
2023: +7.0% +7.0% 2023
2024: +5.5% +5.5% 2024
2025: +4.7% +4.7% 2025
Change in FHFA’s price index in Orange County, Virginia and the United States
Period
County
Virginia
U.S.
Last year (2025)
+4.7%
+3.7%
+2.9%
5 years (2020–2025)
+51%
+49%
+47%
10 years (2015–2025)
+80%
+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
Orange next to Orange 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
Orange$273,300
County$364,200
Virginia$383,700
United States$332,700
Typical monthly rent
Orange$1,103
County$1,205
Virginia$1,579
United States$1,413
Typical yearly household income
Orange$76,370
County$94,008
Virginia$93,170
United States$80,734
See the full table
Orange next to Orange County and Virginia
Measure
Orange
Orange County
Virginia
U.S.
Typical home value
$273,300 ▼25% below the county
$364,200
$383,700
$332,700
Typical monthly rent
$1,103 ▼8% below the county
$1,205
$1,579
$1,413
Typical yearly household income
$76,370 ▼19% below the county
$94,008
$93,170
$80,734
Households that own their home
49% ▼29 points below the county
79%
67%
65%
Typical yearly property tax
$1,683 ▼16% below the county
$1,997
$2,790
$3,119
Effective property tax rate
0.62% ▲0.07 points above the county
0.55%
0.73%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Orange 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 Orange
For a typical $273,300 home in Orange, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Orange's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,194a month
Least cash to close
Down payment
$9,566
Cash to close
$17,765
Rate
7.18%
Mortgage insurance
FHA MIP · $121
Conventional, 5% down$2,144a month
Down payment
$13,665
Cash to close
$21,864
Rate
7.18%
Mortgage insurance
PMI · $130
Conventional, 20% down, no PMI$1,736a month
Down payment
$54,660
Cash to close
$62,859
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,989a month
Down payment
$40,995
Cash to close
$49,194
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Orange
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,194
$9,566
$268,350
7.18%
FHA MIP · $121
$17,765
580
Conventional, 5% down
$2,144
$13,665
$259,635
7.18%
PMI · $130
$21,864
620*
Conventional, 20% down, no PMI
$1,736
$54,660
$218,640
7.18%
None
$62,859
620*
ITIN, 15% down (example)
$1,989
$40,995
$232,305
8.18%
None
$49,194
Set by the lender
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.
Typical rent in Orange is $1,103 a month: 8% below the county.
HUD publishes a fair market rent for all of Orange County, by unit size. To pay the 2-bedroom one ($1,262 a month) without spending more than 30% of your income, you would need to earn $24.27 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Orange County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,037
$19.94
$41,480
1 bedroom
$1,043
$20.06
$41,720
2 bedrooms
$1,262
$24.27
$50,480
3 bedrooms
$1,747
$33.60
$69,880
4 bedrooms
$1,953
$37.56
$78,120
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 Orange
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Orange is in ZIP code 22960.
For 2 bedrooms it is $1,190: $72 less than the fair market rent for Orange County ($1,262).
Fair market rent by ZIP code and size in Orange, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
22960
$980
$990
$1,190
$1,630
$1,830
ZIP code2 bd3 bd
22960 $1,190$1,630
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Orange 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Orange County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Orange or Orange County. The ones below are statewide in Virginia: they work in Orange the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Orange or Orange County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Orange and all of Orange 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 Orange?
The typical home value in Orange is $273,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Orange County it is $364,200.
How much does it cost to rent in Orange?
Typical rent in Orange is $1,103 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Orange County is $1,262.
What is the FHA loan limit in Orange?
Orange uses the FHA limit for all of Orange 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 Orange?
The typical homeowner in Orange pays $1,683 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Orange County, the rate is 0.55%.
Where can I find free help to buy or rent in Orange?
We found no HUD-approved counseling agencies with an office in Orange County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
