22949 Property Tax Rate
Lovingston, Virginia · Part of Nelson County
Effective Tax Rate
0.70%
19.1% below state avgMedian Annual Tax
$1,815
$151/mo escrow
Estimate Your Tax
Annual Tax
$1,815
Monthly
$151
Eff. Rate
0.70%
Buyer decision brief
What ZIP 22949 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$151/mo
Based on median annual tax paid
State context
0.03 percentage points above the Virginia average
Virginia average: 0.67%
Data confidence
Use cautionThe Census margin of error is $715, about 39% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Nelson County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 22949 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
High margin of error
$715 tax MOE, 39% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Nelson County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 22949
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $259,100, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.70%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Virginia and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $151 per month before insurance, HOA dues, or special assessments.
Assessor verification
Nelson County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 22949 Compares
Median Annual Property Tax
ZIP 22949
0.70%
Effective rate
Virginia Avg
0.67%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Virginia
Higher than 62% of ZIP codes in Virginia(62th percentile, 779 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 22949
Property owners in ZIP code 22949 (Lovingston, Virginia) pay a median of $1,815/year in property taxes on homes valued at $259,100. This translates to an effective tax rate of 0.70%, which is 4% above the Virginia state average of 0.67%.
The monthly property tax burden for a median-valued home in 22949 is approximately $151, which factors into escrow payments on mortgages. This ZIP code is located within Nelson County. This is $428 less than the Virginia average of $2,243/year.
Compared to similar ZIP codes in Virginia, 22949 has lower property taxes. ZIP codes with similar effective rates include 23059 (0.70%) and 23881 (0.70%).
In Lovingston, property taxes represent approximately 3.6% of the median household income of $50,234, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 22949, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Nelson County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 22949?
How much are property taxes in Lovingston, VA (22949)?
How does ZIP 22949 compare to the Virginia average?
What is the median home value in ZIP 22949?
What county is ZIP code 22949 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$715. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 22949 is part of Nelson County, Virginia. View the full county profile for broader context and more data.
View Nelson County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 22949
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
22964
Piney River, VA
0.27 percentage points lower than ZIP 22949.
Rate
0.43%
Tax
$1,714
Quality
73
22958
Nellysford, VA
0.19 percentage points lower than ZIP 22949.
Rate
0.51%
Tax
$2,511
Quality
79
22971
Shipman, VA
0.17 percentage points lower than ZIP 22949.
Rate
0.53%
Tax
$1,453
Quality
79
22969
Schuyler, VA
0.17 percentage points lower than ZIP 22949.
Rate
0.53%
Tax
$1,354
Quality
84
22922
Arrington, VA
0.13 percentage points lower than ZIP 22949.
Rate
0.57%
Tax
$1,190
Quality
79
24464
Montebello, VA
0.12 percentage points lower than ZIP 22949.
Rate
0.58%
Tax
$3,250
Quality
69
22920
Afton, VA
0.10 percentage points lower than ZIP 22949.
Rate
0.60%
Tax
$2,155
Quality
79
22967
Roseland, VA
0.06 percentage points lower than ZIP 22949.
Rate
0.64%
Tax
$1,642
Quality
79
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.