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City · 5,871 residents · Shenandoah County, Virginia

Woodstock , Virginia

In Woodstock, a typical home is worth $268,700 and typical rent is $1,005 a month. Compared with all of Shenandoah County, typical household income is 13% higher, the typical home value is 9% lower, and the share of households that own their home is 28 points lower.

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  • Typical home value

    $268,700

    9% below the county

    30% below Virginia

    • Woodstock
    • Shenandoah
    • Virginia

  • Typical rent

    $1,005a month

    2% above the county

    36% below Virginia

    • Woodstock
    • Shenandoah
    • Virginia

  • Typical household income

    $76,100a year

    13% above the county

    18% below Virginia

    • Woodstock
    • Shenandoah
    • Virginia

  • Households that own their home

    45%

    28 points below the county

    22 points below Virginia

    • Woodstock
    • Shenandoah
    • Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$338,067
2.1% more than 12 months ago
Typical rent
$1,750 a month

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

Woodstock is in Shenandoah 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 Shenandoah County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Woodstock apart

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

  1. 45% of households in Woodstock own their home, against 73% in Shenandoah County.

  2. Woodstock has the 7th smallest share of rent-burdened renters of the 133 cities in Virginia with more than 5,000 people (33%).

  3. Woodstock has the 13th lowest typical rent of the 157 cities in Virginia with more than 5,000 people ($1,005).

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

The homes here

Housing in Woodstock

What homes there are in Woodstock, 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 Woodstock, 6 in 10 homes are single-family detached houses; in Shenandoah County, 8.

Year built

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

$1,362 a month

Shenandoah County: $1,493 a month

Without a mortgage

$477 a month

Shenandoah County: $466 a month

Owners with a mortgage

58%

Shenandoah County: 60%

Owning costs less in Woodstock: with a mortgage, the typical cost is $1,362 a month; in Shenandoah County, $1,493. Without one, $477.

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 Woodstock rose 25% since 2015–2019, less than in Shenandoah County (38%).

The typical rent in Woodstock stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureWoodstockShenandoah 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 estimate1.6%2.1%3.4%
People per household 2.712.482.522.53
Drive alone 81%78%68%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate9%18%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Woodstock are bigger: 2.71 people on average; in Shenandoah County, 2.48.

In Woodstock, 81% of workers drive alone to work; in Shenandoah County, 78%.

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 Woodstock?

A typical home is tight for the typical income

We start with a typical home in Woodstock, worth $268,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Woodstock, which is $76,100 a year. For that payment to be 28% of income, a household would need to earn about $92,440 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Woodstock. 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 $9,405 (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

$2,157

at 7.18% · 30 years

Loan amount
$263,833
Total interest
$379,593
Paid off in
November 2056

Includes $4,538 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,776 a month

  • Tight

    $1,776 to $2,283 a month

    Your payment · 34%

  • Hard

    more than $2,283 a month

Compared with the typical household income in Woodstock ($76,100 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,157
Principal & interest$1,787
Property tax$139
Home insurance$112
FHA mortgage insurance (MIP)$119

You need at least $9,405 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

Woodstock and Shenandoah County

Woodstock is in Shenandoah 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).

Woodstock's own numbers

Typical home value
$268,700
Typical monthly rent
$1,005
Typical yearly household income
$76,100
Households that own their home
45%
Effective property tax rate
0.62%

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

Numbers for all of Shenandoah County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,172
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
2.9%

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 Shenandoah County.

Everything about Shenandoah County

Buying

Buying a home in Woodstock

A typical home in Woodstock is worth $268,700: 9% below the county and 30% below Virginia. With the typical household income in Woodstock ($76,100 a year), a typical home costs 3.5 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.

  • Woodstock 3.5 years
  • Shenandoah 4.4 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Shenandoah County

According to FHFA’s house price index, home prices in Shenandoah County rose 82% in the 10 years through 2025.

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

Period County Virginia U.S.
Last year (2025) +2.8% +3.7% +2.9%
5 years (2020–2025) +55% +49% +47%
10 years (2015–2025) +82% +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

Woodstock next to Shenandoah 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
  • Woodstock $268,700
  • Shenandoah $294,900
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Woodstock $1,005
  • Shenandoah $984
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Woodstock $76,100
  • Shenandoah $67,191
  • Virginia $93,170
  • United States $80,734
See the full table
Woodstock next to Shenandoah County and Virginia
Measure Woodstock Shenandoah County Virginia U.S.
Typical home value $268,700 $294,900 $383,700 $332,700
Typical monthly rent $1,005 $984 $1,579 $1,413
Typical yearly household income $76,100 $67,191 $93,170 $80,734
Households that own their home 45% 73% 67% 65%
Typical yearly property tax $1,666 $1,528 $2,790 $3,119
Effective property tax rate 0.62% 0.52% 0.73% 0.94%
Renters with high rent for their income 33% 36% 49% 51%

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

For a typical $268,700 home in Woodstock, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Woodstock's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,157a month

    Least cash to close
    Down payment
    $9,405
    Cash to close
    $17,466
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $119

  • Conventional, 5% down $2,108a month

    Down payment
    $13,435
    Cash to close
    $21,496
    Rate
    7.18%
    Mortgage insurance
    PMI · $128

  • Conventional, 20% down, no PMI $1,707a month

    Down payment
    $53,740
    Cash to close
    $61,801
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,955a month

    Down payment
    $40,305
    Cash to close
    $48,366
    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 Woodstock and for Shenandoah County.

Property tax

Effective rate in Woodstock

0.62%of the home’s value each year

$1,666 a year for the typical owner in Woodstock.

  • Woodstock 0.62%
  • Shenandoah 0.52%
  • 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 Shenandoah County

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

Homes in the high-risk zone
2.9%
543
Of those, with NFIP insurance
11%
County Virginia U.S.
Homes in the high-risk zone 2.9% 1.5% 3.5%
Of those, with NFIP insurance 11% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Woodstock

Typical rent in Woodstock is $1,005 a month: 2% above the county. In Woodstock, 33% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Shenandoah County, by unit size. To pay the 2-bedroom one ($1,172 a month) without spending more than 30% of your income, you would need to earn $22.54 an hour working full time.

HUD fair market rent for all of Shenandoah 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 $937 $18.02 $37,480
1 bedroom $943 $18.13 $37,720
2 bedrooms $1,172 $22.54 $46,880
3 bedrooms $1,452 $27.92 $58,080
4 bedrooms $1,897 $36.48 $75,880

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 Woodstock

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Woodstock is in ZIP code 22664.

For 2 bedrooms it is $1,200: $28 more than the fair market rent for Shenandoah County ($1,172).

  • 22664 $1,200$1,490

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

HUD lists 5 buildings with rents for lower incomes in Woodstock. These are the largest.

  • Valley Vista 149 Valley Vista Dr, Woodstock 22664 85 low-income homes · In service since 2011 · For families
  • Echo Mountain I 254 Lora Dr, Woodstock 22664 50 low-income homes · 1 bd: 10 · 2 bd: 30 · 3 bd: 10 · In service since 1999 · For families
  • Ridge I 186 E Reservoir Rd, Woodstock 22664 38 low-income homes · 1 bd: 4 · 2 bd: 26 · 3 bd: 8 · In service since 2003 · For families
  • Ridge II 170 E Reservoir Rd, Woodstock 22664 38 low-income homes · 1 bd: 4 · 2 bd: 18 · 3 bd: 16 · In service since 2003 · For families
  • Ridge III 194 E Reservoir Rd, Woodstock 22664 24 low-income homes · In service since 2005 · For families

See all 12 buildings in Shenandoah County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Woodstock

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

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Woodstock

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

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

  • Blue Ridge Housing Network

    134A Peyton St, Front Royal · 18 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (540) 622-2711

  • Skyline Community Action Partnership, Inc.

    532 S Main St, Madison · 37 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 6 more
    (540) 948-3916

  • Skyline Community Action Program, Incorporated

    532 S Main St, Madison · 37 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (540) 948-3916

All counseling agencies in Virginia

Help in Spanish near Woodstock

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 Woodstock

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

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

Everything about Shenandoah County Housing in Virginia

Nearby cities

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

Neighboring counties

If Shenandoah 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 Woodstock.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Woodstock

Short answers with the numbers for Woodstock and all of Shenandoah 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 Woodstock?

The typical home value in Woodstock is $268,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Shenandoah County it is $294,900.

How much does it cost to rent in Woodstock?

Typical rent in Woodstock is $1,005 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Shenandoah County is $1,172.

What is the FHA loan limit in Woodstock?

Woodstock uses the FHA limit for all of Shenandoah 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 Woodstock?

The typical homeowner in Woodstock pays $1,666 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Shenandoah County, the rate is 0.52%.

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

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