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City · 8,202 residents · Wythe County, Virginia

Wytheville , Virginia

In Wytheville, a typical home is worth $196,800 and typical rent is $760 a month. Compared with all of Wythe County, typical household income is 18% lower, the typical home value is 15% higher, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $196,800

    15% above the county

    49% below Virginia

    • Wytheville
    • Wythe
    • Virginia

  • Typical rent

    $760a month

    About the same as the county

    52% below Virginia

    • Wytheville
    • Wythe
    • Virginia

  • Typical household income

    $47,270a year

    18% below the county

    49% below Virginia

    • Wytheville
    • Wythe
    • Virginia

  • Households that own their home

    56%

    21 points below the county

    11 points below Virginia

    • Wytheville
    • Wythe
    • Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$219,325
1.6% more than 12 months ago

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

Wytheville is in Wythe 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 Wythe County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Wytheville apart

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

  1. Wytheville has the 5th lowest typical household income of the 160 cities in Virginia with more than 5,000 people ($47,270).

  2. Wytheville has the 5th lowest typical rent of the 157 cities in Virginia with more than 5,000 people ($760).

  3. 56% of households in Wytheville own their home, against 77% in Wythe County.

  4. Nearby, in Richlands, the typical home value is $111,000: 44% less than in Wytheville ($196,800).

  5. Wytheville has the 10th lowest typical home value of the 157 cities in Virginia with more than 5,000 people ($196,800).

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

The homes here

Housing in Wytheville

What homes there are in Wytheville, 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 Wytheville (64%), but less so than in Wythe County (70%).

Year built

In Wytheville, half of the homes were built before 1973; in Wythe County, before 1979.

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

With an FHA limit of $541,287, at least 92% of owner-occupied homes in Wytheville sit below it: they are worth less than $500,000.

Monthly rent with utilities

By rent, most homes in Wytheville cost less than HUD's 2-bedroom fair market rent ($943): about 73%.

With a mortgage

$1,113 a month

Wythe County: $1,129 a month

Without a mortgage

$424 a month

Wythe County: $383 a month

Owners with a mortgage

52%

Wythe County: 41%

Owning costs about the same in Wytheville as in Wythe County: with a mortgage, $1,113 a month; without one, $424.

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 Wytheville did not change clearly: the difference is within the Census margin of error.

Since 2015–2019, the typical rent in Wytheville rose 19%, more than in Wythe County (13%).

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

MeasureWythevilleWythe 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 estimateUnreliable estimate2.1%3.4%
People per household 2.012.232.522.53
Drive alone 76%81%68%69%
Carpool 13%10%8%9%
Public transit Unreliable estimateUnreliable estimate2%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate7%18%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Wytheville are smaller: 2.01 people on average; in Wythe County, 2.23.

Carpooling is common in Wytheville: 13% of workers get to work that way, against 10% in Wythe County.

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 Wytheville?

A typical home costs more than the typical income allows

We start with a typical home in Wytheville, worth $196,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Wytheville, which is $47,270 a year. For that payment to be 28% of income, a household would need to earn about $67,072 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Wytheville. 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 $6,888 (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

$1,565

at 7.18% · 30 years

Loan amount
$193,235
Total interest
$278,020
Paid off in
November 2056

Includes $3,323 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,103 a month

  • Tight

    $1,103 to $1,418 a month

  • Hard

    more than $1,418 a month

    Your payment · 40%

Compared with the typical household income in Wytheville ($47,270 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,565
Principal & interest$1,309
Property tax$87
Home insurance$82
FHA mortgage insurance (MIP)$87

You need at least $6,888 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

Wytheville and Wythe County

Wytheville is in Wythe 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).

Wytheville's own numbers

Typical home value
$196,800
Typical monthly rent
$760
Typical yearly household income
$47,270
Households that own their home
56%
Effective property tax rate
0.53%

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

Numbers for all of Wythe County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$943
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
4.5%

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 Wythe County.

Everything about Wythe County

Buying

Buying a home in Wytheville

A typical home in Wytheville is worth $196,800: 15% above the county and 49% below Virginia. With the typical household income in Wytheville ($47,270 a year), a typical home costs 4.2 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.

  • Wytheville 4.2 years
  • Wythe 3.0 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Wythe County

According to FHFA’s house price index, home prices in Wythe County rose 73% in the 10 years through 2025.

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

Period County Virginia U.S.
Last year (2025) +4.4% +3.7% +2.9%
5 years (2020–2025) +52% +49% +47%
10 years (2015–2025) +73% +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

Wytheville next to Wythe 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
  • Wytheville $196,800
  • Wythe $171,200
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Wytheville $760
  • Wythe $764
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Wytheville $47,270
  • Wythe $57,745
  • Virginia $93,170
  • United States $80,734
See the full table
Wytheville next to Wythe County and Virginia
Measure Wytheville Wythe County Virginia U.S.
Typical home value $196,800 $171,200 $383,700 $332,700
Typical monthly rent $760 $764 $1,579 $1,413
Typical yearly household income $47,270 $57,745 $93,170 $80,734
Households that own their home 56% 77% 67% 65%
Typical yearly property tax $1,051 $900 $2,790 $3,119
Effective property tax rate 0.53% 0.53% 0.73% 0.94%
Renters with high rent for their income 51% 50% 49% 51%

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

For a typical $196,800 home in Wytheville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wytheville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,565a month

    Least cash to close
    Down payment
    $6,888
    Cash to close
    $12,792
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $87

  • Conventional, 5% down $1,529a month

    Down payment
    $9,840
    Cash to close
    $15,744
    Rate
    7.18%
    Mortgage insurance
    PMI · $93

  • Conventional, 20% down, no PMI $1,235a month

    Down payment
    $39,360
    Cash to close
    $45,264
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,417a month

    Down payment
    $29,520
    Cash to close
    $35,424
    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 Wytheville and for Wythe County.

Property tax

Effective rate in Wytheville

0.53%of the home’s value each year

$1,051 a year for the typical owner in Wytheville.

  • Wytheville 0.53%
  • Wythe 0.53%
  • 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 Wythe County

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

Homes in the high-risk zone
4.5%
579
Of those, with NFIP insurance
14%
County Virginia U.S.
Homes in the high-risk zone 4.5% 1.5% 3.5%
Of those, with NFIP insurance 14% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Wytheville

Typical rent in Wytheville is $760 a month: about the same as the county. In Wytheville, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Wythe County, by unit size. To pay the 2-bedroom one ($943 a month) without spending more than 30% of your income, you would need to earn $18.13 an hour working full time.

HUD fair market rent for all of Wythe 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 $799 $15.37 $31,960
1 bedroom $846 $16.27 $33,840
2 bedrooms $943 $18.13 $37,720
3 bedrooms $1,290 $24.81 $51,600
4 bedrooms $1,460 $28.08 $58,400

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 Wytheville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wytheville is in ZIP code 24382.

For 2 bedrooms it is $940: $3 less than the fair market rent for Wythe County ($943).

  • 24382 $940$1,290

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

HUD lists 10 buildings with rents for lower incomes in Wytheville. These are the largest.

  • Hedgefield Terrace 565 N 24th St, Wytheville 24382 220 low-income homes · Run by Wytheville Redev. & Housing Authority · Average payment: $383 a month · Average wait: 44 months (276) 228-6515
  • Northwinds 2355 N 4th St, Wytheville 24382 144 low-income homes · 1 bd: 50 · 2 bd: 40 · 3 bd: 39 · 4 bd: 15 · In service since 2016 · For families (276) 228-8381
  • Longview Village 101 Longview Village Cir, Wytheville 24382 44 low-income homes · In service since 1992 · For families
  • Westwood 1050 W Washington St, Wytheville 24382 36 low-income homes · 2 bd: 36 · In service since 2012 · For families
  • Freedom Lane 468 Peppers Ferry Rd, Wytheville 24382 24 low-income homes · 1 bd: 10 · 2 bd: 14 · In service since 2018 · For families

See all 10 buildings in Wythe County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Wytheville

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 is 1 HUD-approved agency with an office in Wythe County; none says it serves in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Wytheville

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

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

  • Helping Overcome Poverty's Existence, Inc., (formerly Mountain Shelter, Inc.)

    680 W Main St, Wytheville · 1 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (276) 228-6280

  • New River Community Action (pulaski County)

    412 N. Jefferson Ave, Pulaski · 18 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    (540) 980-5525

  • New River Community Action, Inc.

    206 3rd Ave, Radford · 32 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (540) 633-5133

Every agency in Wythe County All counseling agencies in Virginia

Help in Spanish near Wytheville

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 Wytheville

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

  • Wytheville Redev. & Housing Authority Public housing and Section 8 vouchers (276) 228-6515

All housing agencies in Virginia Source: HUD

Cities

Nearby cities

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

Everything about Wythe County Housing in Virginia

Neighboring counties

If Wythe 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 Wytheville.

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

Questions

Housing questions about Wytheville

Short answers with the numbers for Wytheville and all of Wythe 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 Wytheville?

The typical home value in Wytheville is $196,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wythe County it is $171,200.

How much does it cost to rent in Wytheville?

Typical rent in Wytheville is $760 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wythe County is $943.

What is the FHA loan limit in Wytheville?

Wytheville uses the FHA limit for all of Wythe 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 Wytheville?

The typical homeowner in Wytheville pays $1,051 a year, according to the U.S. Census Bureau. That is 0.53% of the home’s value; in Wythe County, the rate is 0.53%.

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

There is 1 HUD-approved counseling agency with an office in Wythe County. 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).