County Tax Rates at a Glance
Large Communities (200+ Homes)
| Community | County | Typical Price | Tax/Mo Est. | HOA/Mo Est. | Maint./Mo Est. | All-In/Mo Est. | Ext. Maint. |
|---|---|---|---|---|---|---|---|
| CrossRidge | Henrico | $420K | ~$305 | ~$400 | ~$75 | ~$780 | Incl. (verify by sub-assn) |
| Colonial Heritage | New Kent | $400K | ~$263 | ~$300 | ~$125 | ~$688 | Not incl. |
| Mosaic at West Creek | Goochland | $550K | ~$243 | ~$350 | ~$150 | ~$743 | Not incl. (lawn only) |
| Chickahominy Falls | Hanover | $480K | ~$324 | ~$325 | ~$125 | ~$774 | Varies by phase |
| Traditions of America | Chesterfield | $525K | ~$398 | ~$400 | ~$100 | ~$898 | Not incl. |
Mid-Size Communities (50–200 Homes)
| Community | County | Typical Price | Tax/Mo Est. | HOA/Mo Est. | Maint./Mo Est. | All-In/Mo Est. | Ext. Maint. |
|---|---|---|---|---|---|---|---|
| Villas at Swift Creek | Chesterfield | $450K | ~$341 | ~$300 | ~$75 | ~$716 | Verify HOA scope |
| Villas at Iron Mill | Chesterfield | $465K | ~$353 | ~$250 | ~$125 | ~$728 | Verify HOA scope |
| Settler’s Ridge | Henrico | $375K | ~$272 | ~$275 | ~$50 | ~$597 | Incl. (lawn, gutters, snow, driveway) |
| Woolridge Landing | Chesterfield | $575K | ~$436 | ~$300 | ~$150 | ~$886 | Verify HOA scope |
| Tinsley Charter | Henrico | $400K | ~$290 | ~$275 | ~$125 | ~$690 | Verify |
| Villas at Rose Hill | Hanover | $350K | ~$236 | ~$200 | ~$125 | ~$561 | Not incl. |
| Villas at Ashlake | Chesterfield | $340K | ~$258 | ~$325 | ~$50 | ~$633 | Incl. |
| Villas at Archer Springs | Chesterfield | $400K | ~$303 | ~$150 | ~$150 | ~$603 | Not incl. (no clubhouse) |
| Villas at Hunton Park | Henrico | $380K | ~$276 | ~$250 | ~$75 | ~$601 | Incl. (verify) |
| Villas at Virginia Center | Henrico | $320K | ~$232 | ~$275 | ~$25 | ~$532 | Incl. (lawn + snow) |
| Lake Margaret | Chesterfield | $600K | ~$455 | ~$250 | ~$125 | ~$830 | Verify |
| Hickory Grove | Hanover | $420K | ~$284 | ~$200 | ~$125 | ~$609 | Verify (2025 community) |
| Greenwich Walk Condos | Chesterfield | $450K | ~$341 | ~$375 | ~$25 | ~$741 | Incl. (condo structure) |
Smaller Communities & 55+ Sections
| Community | County | Typical Price | Tax/Mo Est. | HOA/Mo Est. | Maint./Mo Est. | All-In/Mo Est. | Notes |
|---|---|---|---|---|---|---|---|
| Kenbrook at Harpers Mill | Chesterfield | $450K | ~$341 | ~$275 | ~$125 | ~$741 | Two HOAs (master + section) |
| Cottage Green | Hanover | $340K | ~$230 | ~$175 | ~$125 | ~$530 | Traditional, lower fees |
| Townes at Notting Place | Chesterfield | $350K | ~$266 | ~$175 | ~$75 | ~$516 | Most accessible price point |
| Braxton | Chesterfield | $380K | ~$288 | ~$175 | ~$125 | ~$588 | Close to downtown |
| Villas at Providence | Chesterfield | $420K | ~$319 | ~$175 | ~$125 | ~$619 | Limited availability |
| Twin Rivers at Meadowville | Chesterfield | $565K | ~$428 | ~$275 | ~$100 | ~$803 | Verify HOPA status |
| River Mill 55+ Section | Henrico | ~$480K | ~$348 | ~$275 | ~$100 | ~$723 | Two HOAs; verify HOPA |
| Magnolia Green 55+ (Charleston Landing) | Chesterfield | ~$500K | ~$379 | ~$325 | ~$100 | ~$804 | Two HOAs; verify HOPA |
What This Table Actually Tells You
The cheapest all-in options in this market aren’t the cheapest homes — they’re the communities in lower-tax counties with modest HOAs and exterior maintenance included. Villas at Virginia Center at ~$532/month all-in, Townes at Notting Place at ~$516/month, and Cottage Green at ~$530/month beat communities with lower purchase prices but higher county tax rates.
The most expensive all-in options aren’t always the largest communities. Traditions of America at ~$898/month and Woolridge Landing at ~$886/month carry Chesterfield’s highest tax rate plus elevated HOAs on higher purchase prices. Lake Margaret at ~$830/month is a 62-home community — small scale does not mean low cost when Chesterfield’s $0.91 rate applies to a $600K home.
The sweet spot most buyers find: Settler’s Ridge (Henrico, ~$597/month, indoor pool, full HOA coverage), Villas at Ashlake (Chesterfield, ~$633/month, HOA covers exterior, established community), or Mosaic at West Creek (Goochland lowest tax rate, ~$743/month at $550K with exterior maintenance on the owner but the best 10-year tax trajectory of any large community).
The Comparison Nobody Does
Ten-year total carrying cost comparison between the market extremes: Townes at Notting Place (most accessible, ~$516/month) vs. Traditions of America (~$898/month). Over 10 years, that gap is approximately $45,840 — before considering that Traditions buyers are also in homes that cost $175,000 more. The amenity premium is real, but so is the cumulative cost.
The buyers who make the best decisions in this market are the ones who model the full decade, not the monthly HOA in isolation. This table is the starting point for that conversation.
Run the Math for Your Specific Situation
These estimates are baselines. Your actual numbers depend on the specific home, current HOA fee, and whether your income qualifies for senior tax relief. We can model the full picture for you.
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