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City · 29,026 residents · Henrico County, Virginia

Short Pump , Virginia

In Short Pump, a typical home is worth $568,900 and typical rent is $1,847 a month. Compared with all of Henrico County, the typical home value is 58% higher, typical household income is 56% higher, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $568,900

    58% above the county

    48% above Virginia

    • Short Pump
    • Henrico
    • Virginia

  • Typical rent

    $1,847a month

    20% above the county

    17% above Virginia

    • Short Pump
    • Henrico
    • Virginia

  • Typical household income

    $138,845a year

    56% above the county

    49% above Virginia

    • Short Pump
    • Henrico
    • Virginia

  • Households that own their home

    58%

    7 points below the county

    9 points below Virginia

    • Short Pump
    • Henrico
    • Virginia

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

Short Pump is in Henrico 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 Henrico County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Short Pump apart

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

  1. The typical home in Short Pump is worth $568,900, 58% more than in Henrico County as a whole ($359,200).

  2. The typical household income in Short Pump is $138,845, 56% more than in Henrico County as a whole ($88,783).

  3. Nearby, in Laurel, the typical home value is $283,600: 50% less than in Short Pump ($568,900).

  4. Nearby, in Dumbarton, the typical rent is $1,421: 23% less than in Short Pump ($1,847).

  5. The typical rent in Short Pump is $1,847 a month, 20% more than in Henrico County as a whole ($1,541).

  6. 58% of households in Short Pump own their home, against 64% in Henrico County.

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

The homes here

Housing in Short Pump

What homes there are in Short Pump, 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

No kind of home is the majority in Short Pump; the largest group, detached houses, adds up to 48%, less than in Henrico County (63%).

Year built

The typical home in Short Pump was built in 1999, 14 years after the typical one in Henrico County.

By size, homes in Short Pump look like those in Henrico County: 64% 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

$2,719 a month

Henrico County: $1,862 a month

Without a mortgage

$785 a month

Henrico County: $590 a month

Owners with a mortgage

73%

Henrico County: 71%

The typical cost for an owner with a mortgage in Short Pump is $2,719 a month, more than in Henrico County ($1,862); without one, $785.

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 Short Pump gained value more slowly than in Henrico County: 37% since 2015–2019, against 48%.

Much as in Henrico County, the typical rent in Short Pump rose 29% since 2015–2019.

The typical household income in Short Pump rose 29% over that time; home values changed +37% and rent +29%.

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

MeasureShort PumpHenrico CountyVirginiaUnited States
Rental vacancy Unreliable estimate5.6%4.8%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room 2.3%1.7%2.1%3.4%
People per household 2.492.422.522.53
Drive alone 64%67%68%69%
Carpool 5%7%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 29%22%18%15%
Other means 2%1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Short Pump, 2.3% of households live with more than one person per room, about the same as in Henrico County.

A household in Short Pump has 2.49 people on average, about the same as in Henrico County (2.42).

Many people here do not commute at all: 29% work from home; in Henrico County, 22%.

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 Short Pump?

A typical home costs more than the typical income allows

We start with a typical home in Short Pump, worth $568,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Short Pump, which is $138,845 a year. For that payment to be 28% of income, a household would need to earn about $198,155 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Short Pump. 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 $19,912 (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

$4,624

at 7.18% · 30 years

Loan amount
$558,595
Total interest
$803,688
Paid off in
November 2056

Includes $9,607 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,240 a month

  • Tight

    $3,240 to $4,165 a month

  • Hard

    more than $4,165 a month

    Your payment · 40%

Compared with the typical household income in Short Pump ($138,845 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,624
Principal & interest$3,784
Property tax$351
Home insurance$237
FHA mortgage insurance (MIP)$252

You need at least $19,912 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

Short Pump and Henrico County

Short Pump is in Henrico 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).

Short Pump's own numbers

Typical home value
$568,900
Typical monthly rent
$1,847
Typical yearly household income
$138,845
Households that own their home
58%
Effective property tax rate
0.74%

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

Numbers for all of Henrico 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
0.4%

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 Henrico County.

Everything about Henrico County

Buying

Buying a home in Short Pump

A typical home in Short Pump is worth $568,900: 58% above the county and 48% above Virginia. With the typical household income in Short Pump ($138,845 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.

  • Short Pump 4.1 years
  • Henrico 4.0 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Henrico County

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

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

Period County Virginia U.S.
Last year (2025) +4.9% +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

Short Pump next to Henrico 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
  • Short Pump $568,900
  • Henrico $359,200
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Short Pump $1,847
  • Henrico $1,541
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Short Pump $138,845
  • Henrico $88,783
  • Virginia $93,170
  • United States $80,734
See the full table
Short Pump next to Henrico County and Virginia
Measure Short Pump Henrico County Virginia U.S.
Typical home value $568,900 $359,200 $383,700 $332,700
Typical monthly rent $1,847 $1,541 $1,579 $1,413
Typical yearly household income $138,845 $88,783 $93,170 $80,734
Households that own their home 58% 64% 67% 65%
Typical yearly property tax $4,213 $2,565 $2,790 $3,119
Effective property tax rate 0.74% 0.71% 0.73% 0.94%
Renters with high rent for their income 41% 52% 49% 51%

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

For a typical $568,900 home in Short Pump, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Short Pump's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,624a month

    Least cash to close
    Down payment
    $19,912
    Cash to close
    $36,979
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $252

  • Conventional, 5% down $4,519a month

    Down payment
    $28,445
    Cash to close
    $45,512
    Rate
    7.18%
    Mortgage insurance
    PMI · $270

  • Conventional, 20% down, no PMI $3,671a month

    Down payment
    $113,780
    Cash to close
    $130,847
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,197a month

    Down payment
    $85,335
    Cash to close
    $102,402
    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 Short Pump and for Henrico County.

Property tax

Effective rate in Short Pump

0.74%of the home’s value each year

$4,213 a year for the typical owner in Short Pump.

  • Short Pump 0.74%
  • Henrico 0.71%
  • 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 Henrico County

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

Homes in the high-risk zone
0.4%
310
Of those, with NFIP insurance
95%
County Virginia U.S.
Homes in the high-risk zone 0.4% 1.5% 3.5%
Of those, with NFIP insurance 95% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Short Pump

Typical rent in Short Pump is $1,847 a month: 20% above the county. In Short Pump, 41% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Henrico 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 Henrico 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 Short Pump

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Short Pump has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,050 in 23233 to $2,170 in 23059.

2 of the 2 are above the fair market rent for Henrico County ($1,651).

  • 23059 $2,170$2,680
  • 23233 $2,050$2,530

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Short Pump 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 Short Pump

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 are 3 HUD-approved agencies with an office in Henrico County; none says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Short Pump

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

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

  • Commonwealth Catholic Charities, Richmond,va

    1601 Rolling Hills Dr, Richmond · 5 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 · 5 miles away

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

  • Credit Restoration Institute

    31 N Providence Rd, North Chesterfield · 12 miles away

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

Every agency in Henrico County All counseling agencies in Virginia

Help in Spanish near Short Pump

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 Short Pump

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

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

Everything about Henrico County Housing in Virginia

Nearby cities

The cities closest to Short Pump, with the typical home value.

Neighboring counties

If Henrico 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 Short Pump.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Short Pump

Short answers with the numbers for Short Pump and all of Henrico 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 Short Pump?

The typical home value in Short Pump is $568,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Henrico County it is $359,200.

How much does it cost to rent in Short Pump?

Typical rent in Short Pump is $1,847 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Henrico County is $1,651.

What is the FHA loan limit in Short Pump?

Short Pump uses the FHA limit for all of Henrico 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 Short Pump?

The typical homeowner in Short Pump pays $4,213 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Henrico County, the rate is 0.71%.

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

There are 3 HUD-approved counseling agencies with an office in Henrico 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).