Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Arizona and Virginia. Updated for 2026.
Metric
Arizona
Virginia
Median Home Price
$380K
$400K
Property Tax Rate
0.62%
0.82%
Avg Closing Costs
$6K
$6K
Closing Cost %
1.6%
1.5%
Transfer Tax
None
0.25%
Homeowners Insurance
$2,100/yr
$1,700/yr
First-Time Buyer Program
Home Plus AZ
Up to 5% DPA grant
Virginia Housing DPA Grant
Up to 2.5% grant
Verdict
Arizona and Virginia are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.