Virginia DSCR Loans 2026: 3,083 Loans, 125 Lenders, Rates by City
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Quick Answer
As of October 28, 2026, the latest federal data (2025) shows 125 lenders originated 3,083 DSCR-type loans in Virginia, totaling $787,045,000, with a median note rate of 7.25%. The middle half of loans priced between 6.875% and 7.626%, and the median loan was $215,000 at a median loan-to-value of 75%. Virginia's market is not Northern Virginia: 1,600 loans (51.9%) were made in independent cities, which Virginia treats as separate from any county, while the nine Northern Virginia localities had 425 (13.8%) and the Richmond area 808 (26.2%) (our grouping). United Wholesale Mortgage made the most (272 loans), then Kiavi Funding (160), Angel Oak Mortgage Solutions (128), OCMBC (126) and Deephaven Mortgage (119). The five platform lenders readers search for (Kiavi, Investor Mortgage Finance, LendingOne, Velocity, Lima One) plus RCN made 494 loans, 16.0% of the total (our arithmetic). “DSCR-type” is our proxy: the federal file has no DSCR field, so we keep first-lien, 1-4 unit, investment-property loans made for a business purpose, with no debt-to-income ratio reported and a term of 30 years or more. These are note rates only: points, fees and prepayment penalties are not in the data.
Key Takeaways
- Virginia had 3,083 DSCR-type loans in 2025 ($787 million) from 125 lenders, 26.9% of its 11,468 conventional first-lien investor-property loans. The median note rate was 7.25%, with 10th and 90th percentiles of 6.625% and 8.249%.
- Geography is Virginia's own: independent cities made 1,600 loans (median $185,000) and counties 1,302 (median $255,000). The DSCR share of investor loans was 31.8% in cities and 21.2% in counties. Petersburg (57.8%), Danville (55.6%) and Roanoke city (51.1%) are the highest among the 15 largest localities.
- Northern Virginia is the high-price, low-DSCR corner: 425 loans with a $355,000 median loan, and 19.9% of its 2,138 investor loans were DSCR-type. Hampton Roads had 757 loans at a 7.375% median; the Richmond area had 808 at 7.249% and a 33.3% DSCR share (our grouping).
- The ranking: United Wholesale Mortgage 272, Kiavi Funding 160, Angel Oak 128, OCMBC 126, Deephaven 119, HomeXpress 114, Investor Mortgage Finance (Visio Lending's affiliate) 112, AmWest Funding 104, CV3 Financial Services 104, Hometown Equity Mortgage 104. The top 10 made 43.6% and the top 20 made 67.2%; 25 lenders made exactly one.
- Kiavi made 903 conventional investor loans in Virginia but only 160 DSCR-type (7.25% median); 743 were short-term loans. Rocket Mortgage made 477 investor loans and no DSCR-type loan. Rank by DSCR-type loans, not investor loans.
- Rent needed depends on the locality's tax rate. On a median-priced Richmond city loan the Department of Taxation's $1.20 per $100 adds $300.00 a month of tax; in Henrico County at $0.83 on a slightly larger loan it adds $221.33 (our arithmetic, value assumed at the 75% median loan-to-value).
- Virginia law, read October 28, 2026: an LLC may not plead usury on a loan it contracted for (6.2-308), a “mortgage loan” for licensing means a personal, family or household loan to an individual (6.2-1600), and a refinancing deed of trust pays $0.18 per $100 of state recordation tax against $0.25 on a new one (58.1-803).
CSV · 318 rows
Virginia DSCR-type loans and investor-loan lenders in federal HMDA data, 2025, with Virginia statutes and local tax rates
318 rows: the Virginia loan funnel, note-rate percentiles, the lender ranking with share, median rate, median loan, broker and interest-only shares, platform lenders, the 15 largest localities, Northern Virginia, Hampton Roads and Richmond-area totals, the Code of Virginia sections cited and 12 local real estate tax rates. One source per row.
Where Virginia's DSCR loans are: cities, not just the Beltway
Most state pages start with the biggest county. Virginia cannot, because its independent cities are not part of any county and HMDA reports each as a place of its own. Richmond city (230 loans) is the largest single locality, ahead of Henrico County (190), Fairfax County (186), Virginia Beach city (175) and Roanoke city (169). Together the cities made 1,600 loans and the counties 1,302; another 181 loans carry no county in the file. The largest locality holds only 7.5% of the state's loans (our arithmetic), a flatter map than most.
DSCR-type loans by region, 2025 (our grouping of HMDA county codes)
| Region | DSCR-type loans | Share of state | Median note rate | Median loan | DSCR share of investor loans |
|---|---|---|---|---|---|
| Northern Virginia (nine NVTA localities) | 425 | 13.8% | 7.125% | $355,000 | 19.9% |
| Hampton Roads (14 localities) | 757 | 24.6% | 7.375% | $195,000 | 27.7% |
| Richmond area (11 localities) | 808 | 26.2% | 7.249% | $225,000 | 33.3% |
| Rest of Virginia | 1,093 | 35.5% | 7.25% | $195,000 | not computed |
The Northern Virginia group is the nine localities that the Code of Virginia (33.2-2501) says the Northern Virginia Transportation Authority embraces: Arlington, Fairfax, Loudoun and Prince William counties and the cities of Alexandria, Fairfax, Falls Church, Manassas and Manassas Park. Hampton Roads and the Richmond area are our lists, named in the data file, not official definitions. Northern Virginia has the biggest loans and the most investor lending (2,138 loans, 18.6% of the state's investor loans) but the thinnest DSCR product, and its leading DSCR lenders differ from the rest: United Wholesale Mortgage (55), AmWest Funding (39) and OCMBC (31). In Hampton Roads the second- and third-ranked lenders are Kiavi (52) and Velocity Commercial Capital (41); in the Richmond area Angel Oak (47) and OCMBC (41) follow United Wholesale (65).
The 15 largest localities by DSCR-type loans, 2025
| Locality | DSCR-type loans | DSCR share of investor loans | Median note rate | Median loan |
|---|---|---|---|---|
| Richmond city | 230 | 35.7% | 7.125% | $225,000 |
| Henrico County | 190 | 28.3% | 7.125% | $240,000 |
| Fairfax County | 186 | 20.9% | 7.125% | $365,000 |
| Virginia Beach city | 175 | 23.8% | 7.125% | $225,000 |
| Roanoke city | 169 | 51.1% | 7.18% | $145,000 |
| Chesterfield County | 167 | 27.7% | 7.125% | $235,000 |
| Norfolk city | 137 | 29.4% | 7.375% | $215,000 |
| Petersburg city | 118 | 57.8% | 7.391% | $165,000 |
| Portsmouth city | 111 | 39.8% | 7.499% | $175,000 |
| Danville city | 100 | 55.6% | 7.625% | $105,000 |
| Prince William County | 95 | 23.8% | 6.99% | $345,000 |
| Hampton city | 85 | 31.5% | 7.5% | $175,000 |
| Newport News city | 75 | 26.8% | 7.625% | $175,000 |
| Chesapeake city | 73 | 24.0% | 7.25% | $215,000 |
| Loudoun County | 65 | 16.7% | 7.25% | $365,000 |
Two patterns. First, the small-loan cities lean on DSCR: Danville's median loan is $105,000 and 55.6% of its investor loans are DSCR-type, while Fairfax County's median is $365,000 and the share is 20.9%. Second, the rate follows the place. Loans in independent cities had a 7.374% median and loans in counties 7.125% (our arithmetic); Danville, Newport News (both 7.625%) and Portsmouth (7.499%) sit above the state median, and Richmond, Henrico, Chesterfield and Virginia Beach (7.125%) below it. Small-locality medians rest on a few dozen to a couple of hundred loans; read them as direction. Whether the gap reflects the place, the loan size or the lender mix, HMDA cannot say: small loans and brokered loans (median 7.374% against 7.144% direct) are both more common in the cities.
The ranking: who makes DSCR-type loans in Virginia
The national version is on our DSCR lenders ranked by loans page, which counted 154,354 loans from 466 lenders in 2025; Virginia's 3,083 are 2.0% of that count (our arithmetic). The state list differs from Arizona's and Tennessee's in one visible way: platform lenders that lend to their own borrowers, not through brokers, sit in the top 12.
Top 12 Virginia DSCR-type lenders, 2025
| Rank | Lender (as named in HMDA) | DSCR-type loans | Share of state | Median note rate | Median loan | Through brokers | Interest-only |
|---|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 272 | 8.8% | 7.5% | $205,000 | 100% | 0% |
| 2 | KIAVI FUNDING, INC. | 160 | 5.2% | 7.25% | $185,000 | 20.6% | 0% |
| 3 | ANGEL OAK MORTGAGE SOLUTIONS LLC | 128 | 4.2% | 7.374% | $225,000 | 96.1% | 8.6% |
| 4 | OCMBC, INC. | 126 | 4.1% | 7.375% | $220,000 | 100% | 11.1% |
| 5 | Deephaven Mortgage LLC | 119 | 3.9% | 7.25% | $215,000 | 100% | 13.4% |
| 6 | HomeXpress Mortgage Corp. | 114 | 3.7% | 7.375% | $230,000 | 100% | 1.8% |
| 7 | Investor Mortgage Finance LLC | 112 | 3.6% | 7.287% | $215,000 | 0% | 1.8% |
| 8 | AmWest Funding Corp | 104 | 3.4% | 6.75% | $245,000 | 100% | 100% |
| 9 | CV3 Financial Services, LLC | 104 | 3.4% | 7.5% | $165,000 | 98.1% | 10.6% |
| 10 | Hometown Equity Mortgage, LLC | 104 | 3.4% | 7% | $215,000 | 0% | 5.8% |
| 11 | LendingOne LLC | 97 | 3.1% | 6.96% | $165,000 | 3.1% | 0% |
| 12 | CHAMPIONS FUNDING, LLC | 82 | 2.7% | 7.438% | $225,000 | 100% | 0% |
What the ranking shows:
- Two-tier channel. Eight of the top 12 took 96% or more of their loans through brokers; Kiavi (20.6%), Investor Mortgage Finance (0%), Hometown Equity (0%) and LendingOne (3.1%) took theirs mostly or entirely directly. Across the state 1,885 loans (61.1%) were not submitted directly to the lender.
- Concentration is moderate. The top 5 made 805 loans (26.1%), the top 10 1,343 (43.6%) and the top 20 2,072 (67.2%). Ten lenders made 100 or more, 52 made 10 or more, and 25 made exactly one (our arithmetic).
- Interest-only is a lender trait. All 104 of AmWest's loans are interest-only and it has the lowest median rate of the twelve (6.75%); United Wholesale reports none. Across the state 270 loans (8.8%) are interest-only, against 14.5% in Arizona, which means the interest-only shortlist is shorter here.
- Smallest loans. CV3 Financial Services and LendingOne have $165,000 medians; AmWest's is $245,000. Their borrowers are buying cheaper houses than AmWest's.
Kiavi, Visio, LendingOne, Lima One, Velocity and RCN in Virginia
Virginia has more platform lending than the broker-driven states. Kiavi Funding reported 160 DSCR-type loans at a 7.25% median, but 903 conventional first-lien investor loans in total; 743 of those are short-term loans, the product covered on our Virginia hard money page. Investor Mortgage Finance LLC, the entity we label as Visio Lending's affiliate in earlier pages, reported 112 loans at 7.287%, all of them DSCR-type. LendingOne reported 97 (6.96%), Velocity Commercial Capital 76 (9.865%, the same figure it reports nationally, so treat it as a different product), Lima One Capital 48 (6.975%) and RCN Capital 1. Easy Street Capital reported 61 investor loans, all short-term, and no DSCR-type loan. These are HMDA-visible loans only; see our Kiavi review and Visio versus Velocity versus Kiavi for the companies themselves.
Largest Virginia lenders by conventional first-lien investor loans, 2025, with their DSCR-type count
| Lender | Investor loans | Of which DSCR-type | Median note rate, all investor loans |
|---|---|---|---|
| KIAVI FUNDING, INC. | 903 | 160 | 9.95% |
| United Wholesale Mortgage | 534 | 272 | 7.25% |
| ROCKET MORTGAGE | 477 | 0 | 6.99% |
| TowneBank | 237 | 1 | 7.49% |
| PENNYMAC LOAN SERVICES LLC | 200 | 0 | 6.624% |
| First Heritage Mortgage, LLC | 200 | 22 | 6.99% |
| Capital Center LLC | 185 | 0 | 6.875% |
| Atlantic Union Bank | 180 | 0 | 7.25% |
| ATLANTIC COAST MORTGAGE, LLC | 178 | 31 | 7.125% |
| First Bank and Trust Company | 169 | 4 | 7.5% |
Three banks, TowneBank, Atlantic Union Bank and First Bank and Trust Company, are among the largest investor lenders but made 5 DSCR-type loans between them. A Virginia bank list is not a DSCR lender list; Kiavi's 9.95% investor median is the price of short-term loans, not of the DSCR product.
What rates did the market price? Virginia 2025
The middle half of Virginia DSCR-type borrowers paid between 6.875% and 7.626%, with the 10th percentile at 6.625% and the 90th at 8.249%. Of the 3,072 loans with a rate, 1,154 (37.6%) were at 7% or less and 374 (12.2%) above 8%.
Virginia DSCR-type loans, 2025 (federal HMDA data, our arithmetic)
| Measure | 2025 |
|---|---|
| DSCR-type loans | 3,083 |
| Total dollars | $787,045,000 |
| Share of conventional first-lien investor-property loans | 26.9% (of 11,468) |
| Business-purpose investor loans, all kinds | 8,619 |
| Business-purpose investor loans with no DTI reported | 5,571 |
| Median note rate | 7.25% |
| 25th to 75th percentile note rate | 6.875% to 7.626% |
| Median note rate, business-purpose investor loans with DTI reported | 6.99% |
| Median note rate, short-term (36 months or less) no-DTI loans | 9.95% |
| Median loan amount | $215,000 (middle half $165,000 to $285,000) |
| Median combined loan-to-value | 75% |
| Purchase / cash-out refinance / rate-and-term refinance | 1,304 (42.3%) / 1,188 (38.5%) / 503 (16.3%) |
| One-unit properties | 2,785 (90.3%) |
| Terms: 360 months / 480 months | 3,039 / 42 |
| Loans to an entity (not a natural person) | 964 (31.3%) |
The DSCR premium is thin here too: 7.25% against 6.99% for income-qualified business-purpose investor loans is 0.26 points (our arithmetic). The median was 7.375% under $150,000, 7.25% from $150,000 to $299,999, 7.125% from $300,000 to $499,999 and 7.312% at $500,000 or more. By loan-to-value it ran from 7% at 60% or less to 7.375% between 70% and 75%. Purchases, cash-out refinances and rate-and-term refinances all priced within 0.025 points of 7.25%.
Monthly principal and interest on the $215,000 median loan, 30-year fixed, at each Virginia 2025 rate (our arithmetic)
| Where the rate falls | Note rate | Monthly principal and interest | Rent for a 1.25 ratio on that payment |
|---|---|---|---|
| 10th percentile | 6.625% | $1,376.67 | $1,720.84 |
| 25th percentile | 6.875% | $1,412.40 | $1,765.50 |
| Median | 7.25% | $1,466.68 | $1,833.35 |
| 75th percentile | 7.626% | $1,521.90 | $1,902.38 |
| 90th percentile | 8.249% | $1,615.07 | $2,018.84 |
A borrower at the 25th percentile pays $54.28 a month less than one at the median and the median borrower $55.22 less than one at the 75th (our arithmetic). Those are note rates at origination in 2025, not today's quotes; see DSCR loan rates 2026 for the current picture, and our DSCR calculator to put in your own rent.
The rent a Virginia address needs: tax rates by locality
The same loan needs different rent in different places because Virginia sets real estate tax locality by locality. The Virginia Department of Taxation publishes the general rates per $100 of assessed value for tax year 2025.
Real estate tax rates, tax year 2025 (Virginia Department of Taxation)
| Locality | Rate per $100 | Locality | Rate per $100 |
|---|---|---|---|
| Fairfax County | $1.123 | Richmond city | $1.200 |
| Arlington County | $1.033 | Henrico County | $0.830 |
| Loudoun County | $0.805 | Chesterfield County | $0.890 |
| Prince William County | $0.906 | Petersburg city | $1.270 |
| Virginia Beach city | $0.970 | Norfolk city | $1.230 |
| Roanoke city | $1.220 | Danville city | $0.830 |
The published table notes that its rates are rounded general rates, that actual tax liability may vary and that additional district levies may apply, so treat these as a floor. To see the effect we take each locality's median DSCR-type loan from the ranking above, assume the property is worth the loan divided by the state's 75% median loan-to-value, and add the tax to the principal and interest at the locality's median rate.
Monthly rent for a 1.25 ratio on principal, interest and tax, median loan in each locality (our arithmetic; insurance excluded)
| Locality | Median loan, median rate | Assumed value | Annual tax | Monthly P&I | Rent for 1.25 on P&I plus tax |
|---|---|---|---|---|---|
| Richmond city | $225,000 at 7.125% | $300,000 | $3,600.00 | $1,515.87 | $2,269.83 |
| Henrico County | $240,000 at 7.125% | $320,000 | $2,656.00 | $1,616.92 | $2,297.82 |
| Virginia Beach city | $225,000 at 7.125% | $300,000 | $2,910.00 | $1,515.87 | $2,197.96 |
| Petersburg city | $165,000 at 7.391% | $220,000 | $2,794.00 | $1,141.41 | $1,717.81 |
| Fairfax County | $365,000 at 7.125% | $486,667 | $5,465.27 | $2,459.07 | $3,643.14 |
Richmond city and Virginia Beach city have the same median loan and rate, so their principal and interest is identical, yet Richmond's rent requirement is $71.87 higher a month because its tax rate is $0.23 per $100 higher (our arithmetic). Henrico's loan is $15,000 larger but its tax is $944.00 a year lower than Richmond's. Real lenders use the appraised value, the actual assessment and a quoted insurance premium; our assumed value is an approximation, not an assessment. Our DSCR loan requirements page explains how lenders treat the tax line and the minimum ratio.
Virginia rules that touch a DSCR loan
Usury, licensing and the recordation tax on a flip loan are covered on our Virginia hard money page; this section adds the points that matter to a 30-year rental loan. Every section below was read on law.lis.virginia.gov on October 28, 2026. We quote short phrases and give our reading, not legal advice.
Virginia provisions relevant to a DSCR borrower
| Topic | Section | What the text says | What it means for an investor |
|---|---|---|---|
| Interest ceiling | 6.2-303(A) | “no contract shall be made for the payment of interest on a loan at a rate that exceeds 12 percent per year”, except as otherwise permitted by law | Every DSCR-type rate in the file is below 12% (the highest is 11.375%); the exceptions to the ceiling are in other sections |
| Entity borrowers | 6.2-308(A) | No corporation, limited liability company or business trust may avail itself of the usury provisions “to avoid or defeat the payment of any interest or any other sum that it has contracted to pay” | A borrower that holds the property in an LLC cannot plead usury; 964 of the 3,083 loans went to entities |
| Licensing definition | 6.2-1600 | A “mortgage loan” is “a loan made to an individual, the proceeds of which are to be used primarily for personal, family or household purposes”, and excludes property used for a commercial purpose | Whether the licence law reaches a rental loan to a person turns on this definition; confirm any lender in NMLS |
| Refinancing recordation tax | 58.1-803(A), (E) | 25 cents on every $100 of the obligation secured; 18 cents on every $100 of the first $10 million when the deed of trust secures “the refinancing of an existing debt” on which the tax was paid | A $225,000 refinancing deed of trust pays $405.00 of state tax against $562.50 on a new one, if tax was paid on the old debt (our arithmetic) |
| Local recordation tax | 58.1-814 | A city or county “may” impose a tax of “one-third of the amount of state recordation tax” | Ask the closing agent whether the locality has imposed it |
| Northern Virginia sale fee | 58.1-802.3 | A $0.10 per $100 “regional WMATA capital fee” on a sale deed in an NVTA locality, paid by the grantor | A purchase cost the seller bears, not the buyer, unless the contract moves it |
| Security deposit | 55.1-1226(A) | No more than “two months' periodic rent”; itemized deductions within 45 days after the tenancy ends | On $2,269.83 of rent the cap is $4,539.66 (our arithmetic) |
On the entity row: the section protects the lender's right to collect what the LLC agreed to; it says nothing about lender licensing or about whether a rate is fair. The licensing row is also a limit on this page: Section 6.2-1600 lists a 2026 amendment (chapter 773 of the 2026 acts) that we did not read, so we cannot say how current wording changes the definition. Local property tax, rental inspection programs and any city rental licence are not covered; we did not read city ordinances.
How we read the federal file
The Home Mortgage Disclosure Act (HMDA) file lists every loan a reporting lender originates, with its note rate, amount, loan-to-value, purpose, county and lender. We downloaded the 2025 Virginia file of originated loans from the FFIEC HMDA Data Browser on October 28, 2026: 203,054 loans, all types and occupancies. Of those, 14,349 were investment property and 13,726 had 1-4 units; after removing reverse mortgages and open-end lines, 11,861 remained, and 11,468 were conventional first liens. Of the 11,468, 8,619 were made for a business purpose, 5,571 of them with no debt-to-income ratio reported (NA). The 3,083 DSCR-type loans are the 30-year-or-longer part of that group, which excludes the short-term loans (1,721 at 36 months or less, excluding Emporium TPO) and loans with terms between 37 and 359 months, such as 60-, 120- and 240-month terms. The loan term in HMDA is in months, so 360 means 30 years. One lender, Emporium TPO LLC, reports some terms in years; we counted its 29 loans reported with a 30-year term as 360 months, as our national page does. Read literally, the count would be 3,054 loans and $778,340,000. Rates reported as NA or exempt (11 loans) are left out of the rate statistics. Percentiles use linear interpolation, which is why the 75th percentile is 7.626%. We used the same definition and counting method as our Arizona and Tennessee pages and reproduced the Arizona count (2,868 loans, 121 lenders) before running Virginia.
Limits, so you can weigh the numbers:
- A proxy, not a census. HMDA does not mark DSCR loans. Other no-debt-to-income business loans fall into the group, such as bank-statement or asset-based loans, and DSCR loans reported with a ratio or a shorter term do not.
- Originated loans only. Denied and withdrawn applications are not in this file, so we cannot show denial rates by place.
- Rates, not prices. Discount points are NA on all 3,083 loans and the prepayment-penalty term is NA on all 3,083; the file has no credit score, rent or DSCR ratio.
- Rounded amounts. Loan amounts are rounded in the public file, so medians land on round figures.
- One year. This page uses 2025 only; we did not compare it with 2024.
- Groupings are ours. Only the Northern Virginia list comes from a statute; Hampton Roads and the Richmond area are lists of localities named in the data file.
- Lender names are as filed. Corporate groups can file under several names, and lenders below the reporting thresholds are missing.
- Tax rates are general rates. Town and district levies, exemptions and the assessed value of a specific house are not included.
What a Virginia investor can do with this
- Pick the comparison set by place. In Northern Virginia the loan-size mix and lenders differ from Hampton Roads or the Richmond area, so use the regional table when asking for quotes: a lender with 31 loans in your region has done the work you are asking for.
- Get three quotes from different channels. A broker-fed lender such as United Wholesale or Angel Oak, a direct lender such as Hometown Equity or LendingOne, and a platform lender. Among the top 12 the lowest and highest medians are 6.75% and 7.5%, 0.75 points, worth about $108.83 a month on $215,000 (our arithmetic).
- Rank by DSCR loans, not investor loans. Rocket, PennyMac, Capital Center and Atlantic Union Bank made investor loans but no DSCR-type loans in Virginia.
- Ask for the cost sheet. Points, fees and the prepayment penalty are not in HMDA. Ask for them in writing before paying for an appraisal; our DSCR versus conventional comparison shows how to compare.
- Put your locality's tax rate in the ratio. The same $225,000 loan needs more rent in Richmond city than in Henrico County; use the assessed value and your actual insurance quote.
- If you hold in an LLC, read the lender's entity rules. Our DSCR loan LLC page lists lenders that require an entity in Virginia; the LLC route also changes the usury position described above.
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Related reads: Virginia hard money lenders, and the Arizona, Tennessee and Maryland DSCR pages use the same federal definition.
Loan-level data: FFIEC/CFPB HMDA Data Browser, originated loans for Virginia, 2025, downloaded October 28, 2026 (request URL and counting script saved with the data file); definitions from the FFIEC HMDA field list and the Regulation C commentary; lender names from the FFIEC 2025 filer list; localities from the Census Bureau 2020 county list. Statutes from the Code of Virginia on law.lis.virginia.gov: 6.2-303, 6.2-308, 6.2-1600, 6.2-1601, 33.2-2501, 55.1-1226, 58.1-802.3, 58.1-803 and 58.1-814. Tax rates from the Virginia Department of Taxation, Tax Rates for County, City, Town, and Districts, tax year 2025. All counts, shares, medians, percentiles and payment figures are our arithmetic. This is analysis of public documents, not investment, legal or tax advice, and not a loan offer.
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