Average mortgage payment in Hampton, City of County, VA (2026)
The average mortgage payment in Hampton, City of County on a median-priced home (~$395,000) is roughly $3,056/month — assuming 10% down at a 6.85% 30-year fixed rate and Virginia's 0.82% effective property tax rate (full PITI).
To carry that payment under the standard 28% front-end DTI rule, you'd need an annual household income near $130,987. County population is roughly 137,148.
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How Hampton, City of County compares to Virginia
The typical home in Hampton, City of County is right at the statewide median of $395,000 in Virginia. Property tax is set at the state's effective rate of 0.82% — local millage and special assessments vary by county, but this is the right starting point.
The payment above bakes in principal, interest, property tax, and homeowners insurance — it does not include HOA dues or mortgage insurance (PMI). PMI kicks in automatically when down payment is below 20% on a conventional loan. For a full breakdown, run your own numbers in the main calculator.
Frequently asked questions
What is the average mortgage payment in Hampton, City of County?+
On a median Hampton, City of County home (~$395,000) at a 6.85% 30-year fixed rate with 10% down, all-in PITI runs about $3,056/month, including ~$270 in property tax.
What income do I need to buy a home in Hampton, City of County?+
Using the 28% front-end DTI rule, you'd need roughly $130,987 in annual gross household income to comfortably carry the median Hampton, City of County home.
How does Hampton, City of County compare to the rest of Virginia?+
Hampton, City of County's median home ($395,000) is in line with the Virginia median of $395,000.
Does this include HOA fees or PMI?+
No. HOA dues vary too widely to assume a default — add them directly to the payment. PMI applies when you put less than 20% down on a conventional loan; the main calculator factors it in automatically.