Affordability Calculator
Estimate your true cost of housing and transportation as a share of income — using local tax data for Winchester, Frederick, Clarke, Warren, Shenandoah, and Page counties.
Select your locality — auto-fill local tax rates
Choose your county or city to automatically populate the property tax rate from Virginia's 2025 local tax rate schedule (TY2025, VA Dept. of Taxation).
Housing Inputs
Use the locality selector above to auto-fill.
Transportation + Income
2024 IRS rate: $0.67/mi. AAA full cost estimate: ~$0.72/mi.
Monthly P&I
—
Principal + interest
Total Monthly Housing
—
P&I + taxes + ins + HOA
Monthly Commute Cost
—
Mileage × days
Housing + Transport
—
Combined monthly
Monthly Cost Breakdown
| Item | Monthly Amount |
|---|---|
| Principal & Interest | — |
| Property Taxes | — |
| Homeowner's Insurance | — |
| HOA Fees | — |
| Total Housing | — |
| Transportation (commute) | — |
| Housing + Transportation Total | — |
| Monthly Gross Income | — |
| Remaining after H+T | — |