Property tax in Orange County, Virginia
A county-level estimate for buyers and owners, with the data vintage and uncertainty shown instead of hidden.
Estimated annual property tax
For a $364,200 home (the county median):
$1,997/yr (estimated range $1,697-$2,296)
Effective rate: 0.55% - Accuracy: Tier 1 - Medium confidence
Homeowners insurance budget
$1,509/yr (wide budgeting range $906-$2,113)
Low confidence This is a historical budgeting benchmark, not a current carrier quote. The baseline is the 2022 NAIC HO-3 state average of $1,332/yr, adjusted for home value and FEMA county risk.
- FEMA risk percentile
- 25.57 (Very Low)
- NAIC baseline as of
- 2022-12-31
- FEMA version
- 1.20, 2025-12-01
Sources: NAIC Homeowners Report; FEMA National Risk Index. TrueCarry's analysis is not endorsed by FEMA.
Insurance disclaimer: Estimate for budgeting only — not an insurance quote and not a binding price. Verify with the county assessor and a licensed professional before making financial decisions.
Illustrative monthly PITI
$2,134/mo under the assumptions below
| Principal & interest | $1,842 |
|---|---|
| Property tax | $166 |
| Homeowners insurance | $126 |
| PMI | $0 |
| Estimated total | $2,134 |
Assumes 20% down, a 6.5% fixed interest rate, and a 30-year term. The rate is an assumption, not today's market rate or a loan offer.
How local carrying costs affect affordability
For an illustrative household earning $100,000/yr, with $500/mo in other debts and a $50,000 down payment, the modeled maximum price is:
$354,160 under this county's tax and insurance burden
Compared with the Virginia launch-county average baseline of $346,408, this is $7,752 higher.
Medium confidence Uses 28% / 36% front/back DTI, a 6.5% assumed rate, a 30-year term, and estimated tax and insurance that scale with price. It is not a loan pre-approval.
Estimate for budgeting only — not a loan pre-approval, lending decision, or financial advice. Verify with the county assessor and a licensed professional before making financial decisions.
How Orange County compares within Virginia
Tax-rate rank: 90 of 133 published Virginia counties when sorted from highest to lowest effective rate.
The county's 0.55% effective rate is 0.1 percentage points below the Virginia published-county average of 0.65%; the state median is 0.6%.
The $364,200 county median home value ranks 33 of 133 from highest to lowest and is $105,600 above the Virginia county median of $258,600.
FEMA places Orange County at risk percentile 25.57 (Very Low), which is used only as a bounded relative adjustment to the historical state insurance baseline.
Counties with similar effective rates
- King William County: 0.55% effective rate; $315,700 median home value
- Dinwiddie County: 0.55% effective rate; $257,800 median home value
- Patrick County: 0.55% effective rate; $153,400 median home value
Calculate your price and monthly cost
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Source, method & confidence
Confidence: Medium. County-level effective rate derived from ACS medians; not a jurisdiction-specific mill rate.
Data as of 2024-12-31 (ACS period ending); tax year 2024; data version 2024.1.
Sources: U.S. Census Bureau, American Community Survey (ACS) 5-year, table B25103; U.S. Census Bureau, American Community Survey (ACS) 5-year, table B25077.
Assumptions and exclusions
- Effective property-tax rate of 0.55% applied to the full home value (ACS median tax paid ÷ median home value).
- Uncertainty band of ±15% reflects intra-county variation not captured by a single county rate.
- Excludes special districts, local levies, and any exemptions (estimated separately at higher tiers).
Common questions about Orange County carrying costs
- What is the property tax rate in Orange County, Virginia?
- The estimated effective property tax rate in Orange County is 0.55%. On the county median home value of $364,200, that is about $1,997 per year (estimated range $1,697 to $2,296), based on U.S. Census ACS 2024 data.
- How much is property tax on a $364,200 home in Orange County?
- About $1,997 per year at a 0.55% effective rate. Actual bills vary with assessment, exemptions, and local levies, so treat this as a budgeting estimate rather than a tax bill.
- How much is homeowners insurance in Orange County, Virginia?
- A budgeting estimate of $1,509 per year (wide range $906 to $2,113), based on the 2022 NAIC HO-3 state average adjusted for FEMA county risk. It is a historical benchmark, not a carrier quote.
- What is the estimated monthly PITI payment for a home in Orange County?
- About $2,134 per month for a $364,200 home, assuming 20% down, a 6.5% interest rate, and a 30-year term. PITI covers principal, interest, property tax, and homeowners insurance.