WhereCanIAfford › Virginia Beach, VA › On $425,000

Is Virginia Beach, VA affordable on a $425,000 salary?

YES On $425,000/yr, the typical $376,711 home in Virginia Beach, VA needs $113,173/yr ($2,641/mo). Your gap: +$311,827 — housing would be 7.5% of your gross income.

The math

376,711 price − 10% down (37,671) = 339,040 loan
30-yr fixed at 6.69% on 339,040 = 2,186/mo principal+interest
+ 455/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
2,641/mo PITI ÷ 0.28 = 9,431/mo → 113,173/yr required

against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).

What salary WOULD clear Virginia Beach, VA?

You need about $113,173/yr for the typical home. On $425,000 you already clear it by $311,827.

On $400,000? On $450,000? On $475,000?

See the full Virginia Beach, VA affordability breakdown → or every metro you can afford on $425,000 →