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City · 34,352 residents · Loudoun County, Virginia

South Riding , Virginia

In South Riding, a typical home is worth $746,200 and typical rent is $2,905 a month. Compared with all of Loudoun County, typical rent is 22% higher, typical household income is 8% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $746,200

    About the same as the county

    94% above Virginia

    • South Riding
    • Loudoun
    • Virginia

  • Typical rent

    $2,905a month

    22% above the county

    84% above Virginia

    • South Riding
    • Loudoun
    • Virginia

  • Typical household income

    $196,403a year

    8% above the county

    111% above Virginia

    • South Riding
    • Loudoun
    • Virginia

  • Households that own their home

    83%

    6 points above the county

    16 points above Virginia

    • South Riding
    • Loudoun
    • Virginia

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

South Riding is in Loudoun 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 Loudoun County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets South Riding apart

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

  1. Nearby, in Chantilly, the typical rent is $2,312: 20% less than in South Riding ($2,905).

  2. The typical rent in South Riding is $2,905 a month, 22% more than in Loudoun County as a whole ($2,386).

  3. 83% of households in South Riding own their home, against 78% in Loudoun County.

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

The homes here

Housing in South Riding

What homes there are in South Riding, 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 South Riding; the largest group, detached houses, adds up to 49%, near the figure in Loudoun County (51%).

Year built

Homes in South Riding are newer: the typical year built is 2006; in Loudoun County, 2002.

In South Riding, 94% of homes have 3 bedrooms or more, more than in Loudoun County (80%).

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

$3,213 a month

Loudoun County: $3,270 a month

Without a mortgage

$875 a month

Loudoun County: $955 a month

Owners with a mortgage

86%

Loudoun County: 81%

In South Riding, 86% of owners have a mortgage; their typical cost is $3,213 a month, about the same as in Loudoun County.

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 typical home value in South Riding rose 41% since 2015–2019, less than in Loudoun County (46%).

Much as in Loudoun County, the typical rent in South Riding rose 29% since 2015–2019.

Here income did not keep up with housing: it rose 24%, while home values changed +41% 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

MeasureSouth RidingLoudoun CountyVirginiaUnited States
Rental vacancy Unreliable estimate3.9%4.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate2.5%2.1%3.4%
People per household 3.313.022.522.53
Drive alone 59%58%68%69%
Carpool 8%7%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike 1%1%2%3%
Work from home 30%31%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in South Riding has 3.31 people, more than in Loudoun County (3.02).

In South Riding, 59% of workers drive alone to work; in Loudoun County, 58%.

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 South Riding?

A typical home costs more than the typical income allows

We start with a typical home in South Riding, worth $746,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in South Riding, which is $196,403 a year. For that payment to be 28% of income, a household would need to earn about $262,309 a year.

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

Your numbers

Local data
$

Starts at the typical home value in South Riding. 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 $26,117 (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

$6,120

at 7.18% · 30 years

Loan amount
$732,684
Total interest
$1,054,161
Paid off in
November 2056

Includes $12,601 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,583 a month

  • Tight

    $4,583 to $5,892 a month

  • Hard

    more than $5,892 a month

    Your payment · 37%

Compared with the typical household income in South Riding ($196,403 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$6,120
Principal & interest$4,963
Property tax$516
Home insurance$311
FHA mortgage insurance (MIP)$330

You need at least $26,117 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

South Riding and Loudoun County

South Riding is in Loudoun 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).

South Riding's own numbers

Typical home value
$746,200
Typical monthly rent
$2,905
Typical yearly household income
$196,403
Households that own their home
83%
Effective property tax rate
0.83%

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

Numbers for all of Loudoun 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
0.1%

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 Loudoun County.

Everything about Loudoun County

Buying

Buying a home in South Riding

A typical home in South Riding is worth $746,200: about the same as the county and 94% above Virginia. With the typical household income in South Riding ($196,403 a year), a typical home costs 3.8 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.

  • South Riding 3.8 years
  • Loudoun 4.1 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Loudoun County

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

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

Period County Virginia U.S.
Last year (2025) +4.3% +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

South Riding next to Loudoun 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
  • South Riding $746,200
  • Loudoun $743,800
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • South Riding $2,905
  • Loudoun $2,386
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • South Riding $196,403
  • Loudoun $181,765
  • Virginia $93,170
  • United States $80,734
See the full table
South Riding next to Loudoun County and Virginia
Measure South Riding Loudoun County Virginia U.S.
Typical home value $746,200 $743,800 $383,700 $332,700
Typical monthly rent $2,905 $2,386 $1,579 $1,413
Typical yearly household income $196,403 $181,765 $93,170 $80,734
Households that own their home 83% 78% 67% 65%
Typical yearly property tax $6,164 $6,325 $2,790 $3,119
Effective property tax rate 0.83% 0.85% 0.73% 0.94%
Renters with high rent for their income 39% 44% 49% 51%

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

For a typical $746,200 home in South Riding, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, South Riding's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $6,121a month

    Least cash to close
    Down payment
    $26,117
    Cash to close
    $48,503
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $330

  • Conventional, 5% down $5,984a month

    Down payment
    $37,310
    Cash to close
    $59,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $354

  • Conventional, 20% down, no PMI $4,871a month

    Down payment
    $149,240
    Cash to close
    $171,626
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,561a month

    Down payment
    $111,930
    Cash to close
    $134,316
    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 South Riding and for Loudoun County.

Property tax

Effective rate in South Riding

0.83%of the home’s value each year

$6,164 a year for the typical owner in South Riding.

  • South Riding 0.83%
  • Loudoun 0.85%
  • 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 Loudoun County

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

Homes in the high-risk zone
0.1%
70
Of those, with NFIP insurance
91%
County Virginia U.S.
Homes in the high-risk zone 0.1% 1.5% 3.5%
Of those, with NFIP insurance 91% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in South Riding

Typical rent in South Riding is $2,905 a month: 22% above the county. In South Riding, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Loudoun 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 Loudoun 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 South Riding

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). South Riding is in ZIP code 20152.

For 2 bedrooms it is $3,360: $922 more than the fair market rent for Loudoun County ($2,438).

  • 20152 $3,360$4,280

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

HUD lists one building with rents for lower incomes in South Riding.

  • Abbey at South Riding I 43001 Thoroughgood Dr, South Riding 20152 168 low-income homes · 1 bd: 48 · 2 bd: 84 · 3 bd: 36 · In service since 1999 · For families

See all 27 buildings in Loudoun County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in South Riding

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

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 South Riding

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

The HUD-approved agencies closest to the center of South Riding, 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 · 9 miles away

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

  • Cornerstones, Inc.

    11150 Sunset Hills Rd Ste 210, Reston · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (571) 323-9555

  • Korean Community Service Center of Greater Washington

    7700 Little River Tpke Ste 406, Annandale · 17 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (703) 354-6345

All counseling agencies in Virginia

Help in Spanish near South Riding

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 South Riding

HUD’s record names them for South Riding or Loudoun County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Virginia Source: HUD

Cities

Other cities in Loudoun County

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

Everything about Loudoun County Housing in Virginia
See 4 more cities in Loudoun County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to South Riding, with the typical home value.

Neighboring counties

If Loudoun 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 South Riding.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about South Riding

Short answers with the numbers for South Riding and all of Loudoun 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 South Riding?

The typical home value in South Riding is $746,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Loudoun County it is $743,800.

How much does it cost to rent in South Riding?

Typical rent in South Riding is $2,905 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Loudoun County is $2,438.

What is the FHA loan limit in South Riding?

South Riding uses the FHA limit for all of Loudoun 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 South Riding?

The typical homeowner in South Riding pays $6,164 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Loudoun County, the rate is 0.85%.

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

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