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City · 11,780 residents · Augusta County, Virginia

Stuarts Draft , Virginia

In Stuarts Draft, a typical home is worth $294,300 and typical rent is $1,201 a month. Compared with all of Augusta County, typical rent is 6% higher.

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  • Typical home value

    $294,300

    4% below the county

    23% below Virginia

    • Stuarts Draft
    • Augusta
    • Virginia

  • Typical rent

    $1,201a month

    6% above the county

    24% below Virginia

    • Stuarts Draft
    • Augusta
    • Virginia

  • Typical household income

    $79,332a year

    3% below the county

    15% below Virginia

    • Stuarts Draft
    • Augusta
    • Virginia

  • Households that own their home

    78%

    2 points below the county

    11 points above Virginia

    • Stuarts Draft
    • Augusta
    • Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$360,066
5.8% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Stuarts Draft is in Augusta 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 Augusta County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Stuarts Draft apart

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

  1. According to Zillow, in the 12 months to September 2026 the typical home value in Stuarts Draft rose 5.8%; in Virginia, it rose 2.1%.

  2. Stuarts Draft has the 11th smallest share of rent-burdened renters of the 133 cities in Virginia with more than 5,000 people (36%).

Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data

The homes here

Housing in Stuarts Draft

What homes there are in Stuarts Draft, 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 houses are the majority in Stuarts Draft (75%), but less so than in Augusta County (80%).

Year built

In Stuarts Draft, half of the homes were built before 1992; in Augusta County, before 1989.

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

$1,478 a month

Augusta County: $1,585 a month

Without a mortgage

$385 a month

Augusta County: $450 a month

Owners with a mortgage

54%

Augusta County: 56%

Owning costs less in Stuarts Draft: with a mortgage, the typical cost is $1,478 a month; in Augusta County, $1,585. Without one, $385.

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 Census does not compare Stuarts Draft with 2015–2019 because its boundaries changed. In Augusta County, over that time, the typical home value rose 43%.

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

MeasureStuarts DraftAugusta 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 estimate1.9%2.1%3.4%
People per household 2.322.422.522.53
Drive alone 82%83%68%69%
Carpool 10%8%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 7%7%18%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Augusta County, a household in Stuarts Draft has 2.32 people on average.

To get to work, 82% of workers in Stuarts Draft drive alone; in Augusta County, 83%.

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 Stuarts Draft?

A typical home is tight for the typical income

We start with a typical home in Stuarts Draft, worth $294,300, 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 Stuarts Draft, which is $79,332 a year. For that payment to be 28% of income, a household would need to earn about $99,775 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Stuarts Draft. 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 $10,301 (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

$2,328

at 7.18% · 30 years

Loan amount
$288,969
Total interest
$415,759
Paid off in
November 2056

Includes $4,970 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,851 a month

  • Tight

    $1,851 to $2,380 a month

    Your payment · 35%

  • Hard

    more than $2,380 a month

Compared with the typical household income in Stuarts Draft ($79,332 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,328
Principal & interest$1,958
Property tax$118
Home insurance$123
FHA mortgage insurance (MIP)$130

You need at least $10,301 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

Stuarts Draft and Augusta County

Stuarts Draft is in Augusta 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).

Stuarts Draft's own numbers

Typical home value
$294,300
Typical monthly rent
$1,201
Typical yearly household income
$79,332
Households that own their home
78%
Effective property tax rate
0.48%

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

Numbers for all of Augusta County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,199
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
2.6%

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 Augusta County.

Everything about Augusta County

Buying

Buying a home in Stuarts Draft

A typical home in Stuarts Draft is worth $294,300: 4% below the county and 23% below Virginia. With the typical household income in Stuarts Draft ($79,332 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.

  • Stuarts Draft 3.7 years
  • Augusta 3.7 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Augusta County

According to FHFA’s house price index, home prices in Augusta County rose 80% in the 10 years through 2025.

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

Period County Virginia U.S.
Last year (2025) +6.8% +3.7% +2.9%
5 years (2020–2025) +53% +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

Stuarts Draft next to Augusta 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
  • Stuarts Draft $294,300
  • Augusta $306,100
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Stuarts Draft $1,201
  • Augusta $1,136
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Stuarts Draft $79,332
  • Augusta $82,049
  • Virginia $93,170
  • United States $80,734
See the full table
Stuarts Draft next to Augusta County and Virginia
Measure Stuarts Draft Augusta County Virginia U.S.
Typical home value $294,300 $306,100 $383,700 $332,700
Typical monthly rent $1,201 $1,136 $1,579 $1,413
Typical yearly household income $79,332 $82,049 $93,170 $80,734
Households that own their home 78% 80% 67% 65%
Typical yearly property tax $1,411 $1,446 $2,790 $3,119
Effective property tax rate 0.48% 0.47% 0.73% 0.94%
Renters with high rent for their income 36% 44% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Augusta 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 Stuarts Draft

For a typical $294,300 home in Stuarts Draft, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stuarts Draft's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,328a month

    Least cash to close
    Down payment
    $10,301
    Cash to close
    $19,130
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $130

  • Conventional, 5% down $2,274a month

    Down payment
    $14,715
    Cash to close
    $23,544
    Rate
    7.18%
    Mortgage insurance
    PMI · $140

  • Conventional, 20% down, no PMI $1,835a month

    Down payment
    $58,860
    Cash to close
    $67,689
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,107a month

    Down payment
    $44,145
    Cash to close
    $52,974
    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 Stuarts Draft and for Augusta County.

Property tax

Effective rate in Stuarts Draft

0.48%of the home’s value each year

$1,411 a year for the typical owner in Stuarts Draft.

  • Stuarts Draft 0.48%
  • Augusta 0.47%
  • 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 Augusta County

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

Homes in the high-risk zone
2.6%
1,000
Of those, with NFIP insurance
13%
County Virginia U.S.
Homes in the high-risk zone 2.6% 1.5% 3.5%
Of those, with NFIP insurance 13% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Stuarts Draft

Typical rent in Stuarts Draft is $1,201 a month: 6% above the county. In Stuarts Draft, 36% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Augusta County, by unit size. To pay the 2-bedroom one ($1,199 a month) without spending more than 30% of your income, you would need to earn $23.06 an hour working full time.

HUD fair market rent for all of Augusta 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 $1,041 $20.02 $41,640
1 bedroom $1,047 $20.13 $41,880
2 bedrooms $1,199 $23.06 $47,960
3 bedrooms $1,634 $31.42 $65,360
4 bedrooms $1,798 $34.58 $71,920

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 Stuarts Draft

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stuarts Draft is in ZIP code 24477.

For 2 bedrooms it is $1,360: $161 more than the fair market rent for Augusta County ($1,199).

  • 24477 $1,360$1,850

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

HUD lists one building with rents for lower incomes in Stuarts Draft.

  • Montague Terrace 54 Montague Ct, Stuarts Draft 24477 96 low-income homes · 2 bd: 56 · 3 bd: 40 · In service since 2012 · For families

See all 4 buildings in Augusta County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Stuarts Draft

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 Augusta 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 Stuarts Draft

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

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

  • Greater Charlottesville Habitat for Humanity

    967 2nd St SE, Charlottesville · 30 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (434) 293-9066

  • Piedmont Housing Alliance

    682 Berkmar Cir, Charlottesville · 31 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (434) 817-2436

  • Lynchburg Community Action Group, Incorporate (aka Lyncag)

    300 12th St, Lynchburg · 42 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (434) 455-1601

All counseling agencies in Virginia

Help in Spanish near Stuarts Draft

1 of the 3 agencies on this list says it serves 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 Stuarts Draft

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

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

Everything about Augusta County Housing in Virginia

Nearby cities

The cities closest to Stuarts Draft, with the typical home value.

Neighboring counties

If Augusta 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 Stuarts Draft.

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

Questions

Housing questions about Stuarts Draft

Short answers with the numbers for Stuarts Draft and all of Augusta 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 Stuarts Draft?

The typical home value in Stuarts Draft is $294,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Augusta County it is $306,100.

How much does it cost to rent in Stuarts Draft?

Typical rent in Stuarts Draft is $1,201 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Augusta County is $1,199.

What is the FHA loan limit in Stuarts Draft?

Stuarts Draft uses the FHA limit for all of Augusta 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 Stuarts Draft?

The typical homeowner in Stuarts Draft pays $1,411 a year, according to the U.S. Census Bureau. That is 0.48% of the home’s value; in Augusta County, the rate is 0.47%.

Where can I find free help to buy or rent in Stuarts Draft?

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