Callao, Virginia.
Typical home $234,889 (-2.5% in a year).
to buy the typical home at today's mortgage rate — +$560 (+83%) since Jan 2020.
- 1 year
- Down $6,011 -2%
- $240,900$234,889 since Sep 2025
- 5 years
- Up $7,487 +3%
- $227,402$234,889 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Callao$1,233
- Virginia$2,164
- United States$1,922
Typical home values in Callao, VA fell 2.5% over the past year — slower than the nation's +1.2%.
Living in Callao, Northumberland County, Virginia
The Census does not count Callao on its own, so the figures here are Northumberland County's. Half the county's households earn more than $66,480 a year and half less; 12% of the county's people live below the poverty line. 86% of the county's homes are lived in by their owners and 14% are rented. Unemployment in Northumberland County was 4.8% in August 2026, and the county had 3.3% fewer jobs in 2025 than the year before. The most people in Northumberland County work in schools and health care, then restaurants and hotels.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Callao is in Northumberland County, where most homes are lived in by their owners and residents tend to be older than most of the country. Across the county, a share of households live below the poverty line, and the incomes of many others are below the county's. Winters are cold, summers are warm, and the year brings a fair amount of rain and melted snow.
Work. Many residents work in schools, hospitals and social care, in restaurants, hotels and entertainment, in the building trades, and in professional and business services. Unemployment is a little higher than it was a year earlier, and the county has somewhat fewer jobs than it did the year before. Many adults hold a degree, and most people drive to work.
Things to do. The Potomac River is a longer drive away and is a well-known river for boating and fishing. Gardy's Millpond is in or beside town and is a reservoir, which makes it an easy place for a quiet walk. George Washington Birthplace National Monument, a protected area a longer drive away, marks the place where the first president was born.
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- 5,640households
- 59.5median age
- 34%of adults have a degree
- 12%below the poverty line
- 33 mintypical commute
- 15%work from home
What people in Northumberland County work in
Employed residents by industry, from the Census survey. Northumberland County had 2,314 jobs in 2025, 3.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 47° and lows near 28°; warmest in July, with highs near 88° and lows near 68°. About 12 inches of snow and 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Warsaw Northwest weather station, 11 miles away (NOAA).
Largest workplaces in Northumberland County
- Northumberland County Public SchoolsSchool district262FTE
- Virginia Department of CorrectionsCorrectional institutions248
- Rappahannock General HospitalCritical access hospital133FTE
- Ocean HarvestersMenhaden fishing84
- Omega ProteinMenhaden fishing77
- Food LionGrocery stores71
- Omega Protein, Inc Health and Science CenterFish and marine animal oils processing23
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 707 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- DroughtRelatively moderate
- HurricanesRelatively moderate
- Coastal floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Northumberland County, against the rest of the country; all of them together, very low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Northumberland County.
Callao home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Callao$234,889
- Virginia$412,252
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Callao10
Zip codes with a Callao address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Callao — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.