Culpeper, Virginia.
Typical home $455,799 (+3.7% in a year), asking rent $1,878 (+8.9%). Washington-Arlington-Alexandria, DC-VA-MD-WV metro.
to buy the typical home at today's mortgage rate — +$1,337 (+127%) since Jan 2020.
- 1 year
- Up $16,155 +4%
- $439,644$455,799 since Sep 2025
- 5 years
- Up $95,438 +26%
- $360,361$455,799 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.
- Culpeper$2,392
- Virginia$2,164
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Culpeper, VA rose 3.7% over the past year — faster than the nation's +1.2%.
Asking rents in Culpeper, VA rose 8.9% over the past year — faster than the nation's +2.7%.
Owning the typical home in Culpeper runs $1,201/mo more than renting one — the widest that gap has been in this data.
That is $3,079 a month against $1,878 rent: a $2,392 mortgage payment, plus $199 property tax and $488 insurance & upkeep.
Owning vs renting — Culpeper
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,079
- Renting$1,878
- Mortgage only$2,392
Property tax · $199/mo 0.52% of value a year — the ACS 2020-2024 median bill over the median home value for Culpeper County, VA
Insurance & upkeep · $488/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Culpeper, Culpeper County, Virginia
Culpeper is a town of 20,062 people in Culpeper County. Half its households earn more than $94,721 a year and half less, against $100,049 across Culpeper County; 13% of its people live below the poverty line. 59% of its homes are lived in by their owners and 41% are rented. Unemployment in Culpeper County was 3.2% in August 2026, and the county had 0.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 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. Culpeper is a small town with a younger population than most, and household incomes a little below the county's. Most homes are lived in by their owners, though fewer than across much of the country, so renting is common. Winters are cold, with January the coldest month, and summers are warm, with July the warmest.
Work. Many residents work in schools, hospitals and social care, followed by professional and business services, shops, and restaurants, hotels and entertainment. Culpeper County Public Schools, Culpeper Memorial Hospital and Walmart are among the largest workplaces in town. Commutes are long, and few people work from home.
Things to do. Shenandoah National Park and Skyline Drive, a national park and a tourist attraction, are a longer drive away, as is Luray Caverns, another tourist attraction. Closer to home, the Hazel River is a short drive away for a walk or an afternoon by the water.
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- 6,974households
- 31%of adults have a degree
- 13%below the poverty line
- 32 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Culpeper County had 16,412 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 44° and lows near 23°; warmest in July, with highs near 86° and lows near 64°.
Average daily high and low, 1991–2020, at the Boston Southeast weather station, 7 miles away (NOAA).
Largest workplaces in Culpeper
- Culpeper County Public SchoolsSchool district1,269FTE
- County of CulpeperHead start programs, separate from schools674
- Culpeper Memorial HospitalGeneral hospital589FTE
- WalmartWarehouse clubs and supercenters404
- Virginia IndustriesFoundries, iron211
- Cabinetworks GroupKitchen cabinets and counters, constructed on site189
- Hexatronic Rochester CableCommunications wire and cable, nonferrous, made from purchased nonferrous wire183
- Virginia Department of TransportationAdministration181
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 24 workplaces with 20 or more staff, 3,845 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
- LightningRelatively high
- Strong windRelatively high
- Inland floodingRelatively high
- DroughtRelatively moderate
- HailRelatively moderate
- Winter weatherrelatively high in parts of CulpeperRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Culpeper’s census tracts, against the rest of the country; all of them together, relatively 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 Culpeper County and the Washington-Arlington-Alexandria, DC-VA-MD-WV metro.
Culpeper home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Culpeper$455,799
- Virginia$412,252
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Culpeper listings, and the typical home goes pending in 32 days — the market is cooling.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Culpeper37.56%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Culpeper32
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Culpeper138
New listings per month
Sellers arriving at the market.
- Culpeper41
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Culpeper$430,271
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Culpeper99.70%
Zip codes with a Culpeper address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Culpeper — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.