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City · 16,603 residents · Loudoun County, Virginia

Stone Ridge , Virginia

In Stone Ridge, a typical home is worth $672,800 and typical rent is $2,746 a month. Compared with all of Loudoun County, typical rent is 15% higher, the typical home value is 10% lower, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $672,800

    10% below the county

    75% above Virginia

    • Stone Ridge
    • Loudoun
    • Virginia

  • Typical rent

    $2,746a month

    15% above the county

    74% above Virginia

    • Stone Ridge
    • Loudoun
    • Virginia

  • Typical household income

    $187,563a year

    3% above the county

    101% above Virginia

    • Stone Ridge
    • Loudoun
    • Virginia

  • Households that own their home

    87%

    9 points above the county

    20 points above Virginia

    • Stone Ridge
    • Loudoun
    • Virginia

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

Stone Ridge 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 Stone Ridge apart

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

  1. The typical rent in Stone Ridge is $2,746 a month, 15% more than in Loudoun County as a whole ($2,386).

  2. 87% of households in Stone Ridge own their home, against 78% in Loudoun County.

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

The homes here

Housing in Stone Ridge

What homes there are in Stone Ridge, 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

In Stone Ridge there is a bit of everything: no kind of home reaches half. The most common are attached houses (townhouses) (56%), more than in Loudoun County (31%).

Year built

The typical home in Stone Ridge was built in 2009, 7 years after the typical one in Loudoun County.

Homes in Stone Ridge are bigger: 90% have 3 bedrooms or more; 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

$3,064 a month

Loudoun County: $3,270 a month

Without a mortgage

$940 a month

Loudoun County: $955 a month

Owners with a mortgage

84%

Loudoun County: 81%

The typical cost for an owner with a mortgage in Stone Ridge is $3,064 a month, less than in Loudoun County ($3,270); without one, $940.

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, the typical home value in Stone Ridge rose 42%; in Loudoun County, it rose 46%.

Since 2015–2019, the typical rent in Stone Ridge did not change clearly, according to the Census.

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

MeasureStone RidgeLoudoun 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 3.393.022.522.53
Drive alone 56%58%68%69%
Carpool 8%7%8%9%
Public transit Unreliable estimate1%2%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 31%31%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Stone Ridge are bigger: 3.39 people on average; in Loudoun County, 3.02.

To get to work, 56% of workers in Stone Ridge drive alone; 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 Stone Ridge?

A typical home is tight for the typical income

We start with a typical home in Stone Ridge, worth $672,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Stone Ridge, which is $187,563 a year. For that payment to be 28% of income, a household would need to earn about $237,708 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 Stone Ridge. 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 $23,548 (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

$5,547

at 7.18% · 30 years

Loan amount
$660,614
Total interest
$950,468
Paid off in
November 2056

Includes $11,362 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,376 a month

  • Tight

    $4,376 to $5,627 a month

    Your payment · 35%

  • Hard

    more than $5,627 a month

Compared with the typical household income in Stone Ridge ($187,563 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,547
Principal & interest$4,475
Property tax$493
Home insurance$280
FHA mortgage insurance (MIP)$298

You need at least $23,548 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

Stone Ridge and Loudoun County

Stone Ridge 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).

Stone Ridge's own numbers

Typical home value
$672,800
Typical monthly rent
$2,746
Typical yearly household income
$187,563
Households that own their home
87%
Effective property tax rate
0.88%

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 Stone Ridge

A typical home in Stone Ridge is worth $672,800: 10% below the county and 75% above Virginia. With the typical household income in Stone Ridge ($187,563 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.

  • Stone Ridge 3.6 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

Stone Ridge 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
  • Stone Ridge $672,800
  • Loudoun $743,800
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Stone Ridge $2,746
  • Loudoun $2,386
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Stone Ridge $187,563
  • Loudoun $181,765
  • Virginia $93,170
  • United States $80,734
See the full table
Stone Ridge next to Loudoun County and Virginia
Measure Stone Ridge Loudoun County Virginia U.S.
Typical home value $672,800 $743,800 $383,700 $332,700
Typical monthly rent $2,746 $2,386 $1,579 $1,413
Typical yearly household income $187,563 $181,765 $93,170 $80,734
Households that own their home 87% 78% 67% 65%
Typical yearly property tax $5,915 $6,325 $2,790 $3,119
Effective property tax rate 0.88% 0.85% 0.73% 0.94%

“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 Stone Ridge

For a typical $672,800 home in Stone Ridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stone Ridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,547a month

    Least cash to close
    Down payment
    $23,548
    Cash to close
    $43,732
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $298

  • Conventional, 5% down $5,423a month

    Down payment
    $33,640
    Cash to close
    $53,824
    Rate
    7.18%
    Mortgage insurance
    PMI · $320

  • Conventional, 20% down, no PMI $4,420a month

    Down payment
    $134,560
    Cash to close
    $154,744
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,042a month

    Down payment
    $100,920
    Cash to close
    $121,104
    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 Stone Ridge and for Loudoun County.

Property tax

Effective rate in Stone Ridge

0.88%of the home’s value each year

$5,915 a year for the typical owner in Stone Ridge.

  • Stone Ridge 0.88%
  • 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 Stone Ridge

Typical rent in Stone Ridge is $2,746 a month: 15% above the county.

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 Stone Ridge

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stone Ridge is in ZIP code 20105.

For 2 bedrooms it is $3,280: $842 more than the fair market rent for Loudoun County ($2,438).

  • 20105 $3,280$4,180

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

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 man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Stone Ridge

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

The HUD-approved agencies closest to the center of Stone Ridge, 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 · 10 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 · 12 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 · 20 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 Stone Ridge

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 Stone Ridge

HUD’s record names them for Stone Ridge 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 Stone Ridge, 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 Stone Ridge.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Stone Ridge

Short answers with the numbers for Stone Ridge 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 Stone Ridge?

The typical home value in Stone Ridge is $672,800, 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 Stone Ridge?

Typical rent in Stone Ridge is $2,746 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 Stone Ridge?

Stone Ridge 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 Stone Ridge?

The typical homeowner in Stone Ridge pays $5,915 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in Loudoun County, the rate is 0.85%.

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

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).