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Bath County Conventional Mortgage Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Bath County, Virginia based on real HMDA transaction records.

Loan Details

Bath County, VA Benchmarks

Conventional averages
Typical Property Value$244,821
Average Down Payment23.2%
Average Interest Rate7.060%
Effective Tax Rate0.43%
Median Tax Paid$797/yr
Tax Growth (Historical)-7.3%
Based on 56 regional loans totaling $6,550,000 (HMDA database).
$
%

$56,798 down · $188,023 financed

%
yrs
$

Paid directly to principal

Payoff estimated June 2056

Local & Recurring Costs

%

$88 / month

$

Annual premium

$

Per month

%

Not required at 20%+ down

Estimated Monthly Payment

$1,496/mo

  • Principal & Interest$1,259
  • Property Tax$88
  • Home Insurance$150
Amortization · Remaining Balance

Loan Amount

$188,023

Total Interest

$265,039

Total of Payments

$453,062

Local Market Insights

Bath County Conventional Mortgage Overview

Bath County’s conventional loan market reveals a strong buyer profile, with a 23.18% average down payment and a 76.82% LTV ratio. This equity cushion means most buyers avoid PMI, as they already exceed the 20% threshold. The 0.43% effective property tax rate is low, and the -7.3% inflation-adjusted decline further reduces monthly costs, enhancing affordability. For a conventional mortgage with taxes in Bath County, VA, this tax relief offsets the 7.060% average rate. With 100% primary occupancy, these are owner-occupied homes, not investments, indicating a stable, low-risk market.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.