White Stone, Virginia.
Typical home $551,911 (+4.9% in a year).
to buy the typical home at today's mortgage rate — +$1,607 (+125%) since Jan 2020.
- 1 year
- Up $25,685 +5%
- $526,226$551,911 since Sep 2025
- 5 years
- Up $112,451 +26%
- $439,461$551,911 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.
- White Stone$2,897
- 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 White Stone, VA rose 4.9% over the past year — faster than the nation's +1.2%.
Living in White Stone, Lancaster County, Virginia
White Stone is a town of 380 people in Lancaster County. Unemployment in Lancaster County was 4.2% in August 2026, and the county had 1.3% fewer jobs in 2025 than the year before. The most people in Lancaster County 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 It can be wrong or out of date.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. White Stone is a very small town in Lancaster County, Virginia, on the Northern Neck, the peninsula between the Rappahannock and Potomac rivers. Very few residents live below the poverty line, and homes here are valued well above what is typical for much of the country. Few adults hold a four-year degree. Winters are cool, with January highs a little above freezing and lows below it, and snow falls only occasionally. Summers are warm, July is the hottest month, and rain and melted snow add up to a good deal over the year.
Work. Residents work mainly in schools, hospitals and social care, with others in professional and business services, the building trades and shops. Across Lancaster County, the largest workplaces include Walmart, Lancaster County Public Schools and Lancashire Operator, a skilled nursing facility. The county had slightly fewer jobs last year than the year before, and unemployment there is no different from a year ago.
Things to do. The Rappahannock River is a short drive away, and the Corrotoman River is close by as well, which makes the area a natural one for time on the water. Also a short drive off are Hughlett Point Natural Area Preserve, a protected area, and Corotoman, an archaeological site. For a longer outing, the Potomac River is a longer drive away.
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- 11%of adults have a degree
- 3%below the poverty line
What people in Lancaster County work in
Employed residents by industry, from the Census survey. Lancaster County had 4,731 jobs in 2025, 1.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 47° and lows near 29°; warmest in July, with highs near 85° and lows near 70°. About 8 inches of snow and 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the North weather station, 15 miles away (NOAA).
Largest workplaces in Lancaster County
- WalmartWarehouse clubs and supercenters207
- Lancaster County Public SchoolsSchool district195FTE
- Lancashire OperatorSkilled nursing facilities73
- Food LionGrocery stores70
- Commonwealth Senior Living at KilmarnockAssisted living community65
- UPSCouriers and express delivery services62
- AmazonCouriers and express delivery services27
- Gilman Heating, Cooling & Plumbing- NNKPlumbing and heating contractors23
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 527 people in all across the county; White Stone has none of its own. School districts come from the Common Core of Data (NCES, 2023–24); 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
- Coastal floodingRelatively high
- HurricanesRelatively high
- DroughtRelatively moderate
- Strong windRelatively moderate
- Ice stormsRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in White Stone’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Lancaster County.
White Stone home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- White Stone$551,911
- Virginia$412,252
- United States$366,157
Sellers are cutting prices on about 1 in 7 White Stone listings — the market is roughly in balance.
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.
- White Stone14.95%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- White Stone31
New listings per month
Sellers arriving at the market.
- White Stone7
Zip codes with a White Stone address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls White Stone — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.