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City · 19,162 residents · Prince William County, Virginia

Sudley , Virginia

In Sudley, a typical home is worth $424,800 and typical rent is $2,139 a month. Compared with all of Prince William County, typical household income is 28% lower, the typical home value is 20% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $424,800

    20% below the county

    11% above Virginia

    • Sudley
    • Prince William
    • Virginia

  • Typical rent

    $2,139a month

    3% above the county

    35% above Virginia

    • Sudley
    • Prince William
    • Virginia

  • Typical household income

    $94,309a year

    28% below the county

    About the same as Virginia

    • Sudley
    • Prince William
    • Virginia

  • Households that own their home

    62%

    13 points below the county

    6 points below Virginia

    • Sudley
    • Prince William
    • Virginia

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

Sudley is in Prince William 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 Prince William County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Sudley apart

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

  1. The typical household income in Sudley is $94,309, 28% less than in Prince William County as a whole ($131,402).

  2. 62% of households in Sudley own their home, against 74% in Prince William County.

  3. Nearby, in Yorkshire, the typical rent is $1,777: 17% less than in Sudley ($2,139).

  4. The typical home in Sudley is worth $424,800, 20% less than in Prince William County as a whole ($530,100).

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

The homes here

Housing in Sudley

What homes there are in Sudley, 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

Homes here are varied: attached houses (townhouses) are 45% of them, more than in Prince William County (26%), and no kind reaches half.

Year built

The typical home in Sudley was built in 1980, 15 years before the typical one in Prince William County.

By size, homes in Sudley look like those in Prince William County: 79% 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

$2,124 a month

Prince William County: $2,714 a month

Without a mortgage

$697 a month

Prince William County: $826 a month

Owners with a mortgage

81%

Prince William County: 79%

In Sudley, 81% of owners have a mortgage, and their typical cost is $2,124 a month, against $2,714 in Prince William County. Without one it drops to $697.

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 Sudley rose 43%; in Prince William County, it rose 39%.

The typical rent in Sudley rose 27% over the same time; in Prince William County, it rose 21%.

To compare: typical income in Sudley rose 28%; the home, +43%; the rent, +27%.

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

MeasureSudleyPrince William CountyVirginiaUnited States
Rental vacancy Unreliable estimate3.9%4.8%5.5%
Homeowner vacancy Unreliable estimate0.4%0.8%0.9%
More than one person per room 5.7%3.6%2.1%3.4%
People per household 3.463.092.522.53
Drive alone 69%66%68%69%
Carpool 9%10%8%9%
Public transit Unreliable estimate3%2%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 11%19%18%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 5.7% of households in Sudley live, more than in Prince William County (3.6%).

On average, a household in Sudley has 3.46 people, more than in Prince William County (3.09).

To get to work, 69% of workers in Sudley drive alone; in Prince William County, 66%.

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 Sudley?

A typical home costs more than the typical income allows

We start with a typical home in Sudley, worth $424,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Sudley, which is $94,309 a year. For that payment to be 28% of income, a household would need to earn about $151,604 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Sudley. 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 $14,868 (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

$3,537

at 7.18% · 30 years

Loan amount
$417,106
Total interest
$600,117
Paid off in
November 2056

Includes $7,174 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,201 a month

  • Tight

    $2,201 to $2,829 a month

  • Hard

    more than $2,829 a month

    Your payment · 45%

Compared with the typical household income in Sudley ($94,309 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,537
Principal & interest$2,826
Property tax$347
Home insurance$177
FHA mortgage insurance (MIP)$188

You need at least $14,868 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

Sudley and Prince William County

Sudley is in Prince William 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).

Sudley's own numbers

Typical home value
$424,800
Typical monthly rent
$2,139
Typical yearly household income
$94,309
Households that own their home
62%
Effective property tax rate
0.98%

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

Numbers for all of Prince William 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)
+47%
Homes in a high flood-risk zone
0.6%

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 Prince William County.

Everything about Prince William County

Buying

Buying a home in Sudley

A typical home in Sudley is worth $424,800: 20% below the county and 11% above Virginia. With the typical household income in Sudley ($94,309 a year), a typical home costs 4.5 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.

  • Sudley 4.5 years
  • Prince William 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 Prince William County

According to FHFA’s house price index, home prices in Prince William County rose 77% in the 10 years through 2025.

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

Period County Virginia U.S.
Last year (2025) +2.9% +3.7% +2.9%
5 years (2020–2025) +47% +49% +47%
10 years (2015–2025) +77% +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

Sudley next to Prince William 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
  • Sudley $424,800
  • Prince William $530,100
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Sudley $2,139
  • Prince William $2,067
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Sudley $94,309
  • Prince William $131,402
  • Virginia $93,170
  • United States $80,734
See the full table
Sudley next to Prince William County and Virginia
Measure Sudley Prince William County Virginia U.S.
Typical home value $424,800 $530,100 $383,700 $332,700
Typical monthly rent $2,139 $2,067 $1,579 $1,413
Typical yearly household income $94,309 $131,402 $93,170 $80,734
Households that own their home 62% 74% 67% 65%
Typical yearly property tax $4,150 $4,999 $2,790 $3,119
Effective property tax rate 0.98% 0.94% 0.73% 0.94%
Renters with high rent for their income 60% 51% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Prince William 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 Sudley

For a typical $424,800 home in Sudley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sudley's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,537a month

    Least cash to close
    Down payment
    $14,868
    Cash to close
    $27,612
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $188

  • Conventional, 5% down $3,460a month

    Down payment
    $21,240
    Cash to close
    $33,984
    Rate
    7.18%
    Mortgage insurance
    PMI · $202

  • Conventional, 20% down, no PMI $2,826a month

    Down payment
    $84,960
    Cash to close
    $97,704
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,219a month

    Down payment
    $63,720
    Cash to close
    $76,464
    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 Sudley and for Prince William County.

Property tax

Effective rate in Sudley

0.98%of the home’s value each year

$4,150 a year for the typical owner in Sudley.

  • Sudley 0.98%
  • Prince William 0.94%
  • 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 Prince William County

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

Homes in the high-risk zone
0.6%
414
Of those, with NFIP insurance
46%
County Virginia U.S.
Homes in the high-risk zone 0.6% 1.5% 3.5%
Of those, with NFIP insurance 46% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Sudley

Typical rent in Sudley is $2,139 a month: 3% above the county. In Sudley, 60% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Prince William 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 Prince William 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 Sudley

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sudley is in ZIP code 20109.

For 2 bedrooms it is $2,410: $28 less than the fair market rent for Prince William County ($2,438).

  • 20109 $2,410$3,070

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

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 4 HUD-approved agencies with an office in Prince William County; 1 says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Sudley

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

The HUD-approved agencies closest to the center of Sudley, 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 · 1 miles away

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

  • Centro de Apoyo Familiar (CAF)-Va

    13923 Minnieville Rd, Woodbridge · 13 miles away

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 4 more
    (703) 372-5440

  • First Home Alliance

    3138 Golansky Blvd Ste 202, Woodbridge · 14 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 12 more
    (703) 580-8838

Every agency in Prince William County All counseling agencies in Virginia

Help in Spanish near Sudley

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 Sudley

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

  • Prince William County Office of HCD Section 8 vouchers (703) 792-7530

All housing agencies in Virginia Source: HUD

Cities

Other cities in Prince William County

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

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

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

Nearby cities

The cities closest to Sudley, with the typical home value.

Neighboring counties

If Prince William 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 Sudley.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Sudley

Short answers with the numbers for Sudley and all of Prince William 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 Sudley?

The typical home value in Sudley is $424,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Prince William County it is $530,100.

How much does it cost to rent in Sudley?

Typical rent in Sudley is $2,139 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Prince William County is $2,438.

What is the FHA loan limit in Sudley?

Sudley uses the FHA limit for all of Prince William 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 Sudley?

The typical homeowner in Sudley pays $4,150 a year, according to the U.S. Census Bureau. That is 0.98% of the home’s value; in Prince William County, the rate is 0.94%.

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

There are 4 HUD-approved counseling agencies with an office in Prince William County. 1 says it serves in Spanish. 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).