Virginia— Property Tax & Closing Costs
2024 Census dataEffective tax rate
0.52%
of assessed value annually
Median home value
$348,400
2024 ACS survey
Median taxes paid
$1,819/yr
2024 data
Warren County's 0.52% effective property tax rate ranks 562nd lowest among the 3,134 US counties tracked, placing it in the bottom 25% lowest nationally. Within Virginia's 133 counties, it's the 31st lowest. On the county's median home value of $348,400, the typical homeowner pays $1,819 annually in property tax — close to the national median of $1,629. At closing, Virginia's 0.43% combined real estate transfer tax adds roughly $1,498 on a median-priced home, split between buyer and seller. About 9.2% of the county lies within a FEMA flood hazard zone — worth checking msc.fema.gov for any specific address before buying.
Calculate your true cost
Enter any purchase price to see the full cost breakdown for Warren County.
County median: $348,400
Leave at $0 if the property has no homeowners association.
LTV: 80.00%
At closing
Monthly ongoing
Year one
Moderate flood risk. Some neighborhoods require flood insurance — check your property at msc.fema.gov.
All figures are estimates for planning purposes only. Mortgage payment assumes a 30-year fixed rate of 6.8% — your lender will confirm the actual rate. Closing costs vary by lender and transaction. Consult a licensed real estate attorney and lender before making any financial decisions.
Virginia property tax exemptions
Ways buyers in Warren County may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
Disabled Veterans Real Estate Exemption
Statewide exemption of real property tax on the principal residence and up to one acre for veterans with 100% service-connected permanent and total disability (or rated 100% for individual unemployability). Extends to unremarried surviving spouses.
View official source →Elderly & Disabled Tax Relief
Va. Code §58.1-3210 authorizes localities to exempt or defer real estate tax for owners 65+ or permanently and totally disabled. Income and asset limits are set by each locality.
View official source →Last verified 2026-04. Exemption amounts and eligibility change frequently — always confirm with your county assessor before claiming.
Frequently asked questions
Answers to common questions about buying a home in Warren County.
The effective property tax rate in Warren County is 0.52% — calculated as the median annual property tax paid ($1,819) divided by the median home value ($348,400), using 2024 US Census ACS 5-year estimates. Your actual bill depends on your purchase price, homestead or senior exemptions, and any special assessments applied in your taxing district.
Virginia's combined real estate transfer tax is approximately 0.43% of the purchase price. On the median Warren County home value of $348,400, this adds roughly $1,498 at closing. Grantor's (seller) tax $0.50/$500 (0.1%). Northern Virginia and Hampton Roads sellers pay an additional $0.15/$100 (0.15%) NVTA/HRTA regional congestion fee (total ~0.25% seller in those regions). Buyer pays State Recordation Tax $0.25/$100 (0.25%) + local 1/3 addition ($0.083/$100) + grantee tax $0.50/$500 (0.1%) ≈ 0.43% total on deed. Additional recordation on mortgage applies if financed.
Only in parts. About 9.2% of Warren County's land area is within a FEMA Special Flood Hazard Area. Most homes are outside these zones, but worth verifying the specific address at msc.fema.gov.
Closing costs for a buyer in Warren County typically run $6,968–$17,420 (2–5% of purchase price) on a median-priced home, including title insurance ($800–$2,000), appraisal ($400–$700), home inspection ($350–$600), recording fees ($100–$300), and loan origination (0.5–1.0% of the loan amount). Use the calculator above for a specific estimate at your purchase price.
Data sources for Warren County
Every figure on this page is traceable. Verify the numbers yourself against the original public data.
Source for the 0.52% effective property tax rate, median home value, and median taxes paid (ACS 5-year, 2024 vintage).
Source for county-level flood zone exposure, wildfire risk, and other natural hazard ratings. Updated quarterly by FEMA.
Look up a specific property's flood zone and insurance rate map before making an offer on a home in Warren County.
Guides for Virginia home buyers
What every buyer should read before making an offer.
HOA Documents
HOA lawsuits — how to check for pending litigation against your future HOA before you close
A buyer closed on a house and only then found out about ongoing HOA lawsuits. Six checks you can run yourself before your contingencies expire.
Read the guide →HOA Documents
Undisclosed HOA special assessment — what you can do if you find out after closing
HOA special assessment not on the disclosure? One buyer got a $15,000 bill the day after closing. How to catch it before — and what to do after.
Read the guide →