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City Report · VA

Stephens City

Pop. 2,393·30th most expensive in Virginia·Stephens City rents are up 15.0% over the past year
Median rent (all units)
$2,277/mo
Year-over-Year
+15.0%
Month-over-Month
-2.8%
vs US Median
+$312
Falling (Monthly)
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Most AffordableMost Expensive
Stephens City · $2,277
More expensive than 72% of US cities · National median $1,965/mo
Affordability
27% of income
AFFORDABLE
0%30% benchmark60%+

At $2,277/mo, rent takes about 27% of the local median household income, comfortably within the 30% benchmark.

Income to afford
$91,000/yr
Local median income
$102,593/yr
Based on the 30%-of-income rule using Stephens City's median rent and household income. See the full affordability breakdown →
Medians by bedroom

Rent by unit size

Studio
$1,210
1 BR
$1,390
2 BR
$1,740
3 BR
$2,160
4 BR+
$2,920
Research median
$1,740/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$27,324/yr
At $2,277/mo median
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 15.0% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+15.0% YoY, -2.8% MoM), not inventory.
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Demographics

Who lives here

Stephens City, VA is majority owner-occupied, has a median income above the national average, 31.2% of residents hold a bachelor's degree or higher.

Population
2,393
Median income
$102,593
Median age
35.9
Renters
33%
Age distribution
21.1%
27.1%
30.6%
Under 1821.1%
18–3427.1%
35–5430.6%
55–6410.5%
65+10.7%
Gender
52%
48%
Male52%
Female48%
Race & ethnicity
62.5%
26.3%
White62.5%
Black6.8%
Hispanic26.3%
Asian1.4%
Other3%
Education (25+)
12.7%
20.8%
35.3%
31.2%
No HS diploma12.7%
HS diploma20.8%
Some college35.3%
Bachelor's+31.2%
Housing tenure
67%
33%
Owner67%
Renter33%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Stephens City, VA has changed in 5 years

Income
$80,625 → $102,593
up 27.2%
Population
2,308 → 2,393
up 3.7%
Renter share
45.8% → 33%
-12.8 pts
Bachelor's+
24.8% → 31.2%
+6.4 pts
Median age
32.1 → 35.9
+3.8 yrs

Local incomes tracked alongside that move, going from a median of $80,625 in 2021 to $102,593 more recently. Headcount in the area went from 2,308 to 2,393 between 2021 and 2024, a 3.7% change. About 33% of households rent today, against 45.8% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 24.8% to 31.2%.

Community

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View Stephens City rent history (2015–2026) →
Salary vs rent

Can you afford rent in Stephens City on your salary?

At $2,277/mo, how Stephens City rent compares to typical pay (30% rule).

By apartment size

Stephens City rent by bedroom count

Median rent for each apartment size in Stephens City. Click any size for full breakdown.

Local insights

Tips for renters in Stephens City

About renting in Stephens City, VA

Last updated: July 20, 2026

The median rent in Stephens City is $2,277/mo as of July 2026. A studio apartment averages $1,210/mo while a 2-bedroom runs $1,740/mo. One-bedroom apartments average $1,390/mo and 3-bedroom units go for $2,160/mo.

At 27% of local median household income ($102,593/yr), Stephens City ranks as affordable compared to the national benchmark of 30%. Rents have increased 15.0% over the past year.

FAQ

Frequently asked questions

Is Stephens City an affordable city for renters?

Stephens City is considered affordable for renters. At $2,277/mo, rent takes approximately 27% of the local median household income ($102,593/yr). The standard benchmark is 30%. Stephens City falls comfortably within that range.

How much income do you need to rent in Stephens City?

To keep rent at or below 30% of gross income, you would need to earn at least $91,000/year (~$44/hour full-time) to afford the median rent of $2,277/mo in Stephens City. The local median household income is $102,593/yr, meaning the typical Stephens City household meets that threshold.

Is rent going up or down in Stephens City?

Rent in Stephens City has increased 15.0% over the past year as of July 2026, putting upward pressure on renter budgets.

How does Stephens City rent compare to other cities in Virginia?

Stephens City is middle-of-the-pack for Virginia for rent, ranking #30 out of 83 tracked cities at $2,277/mo.

Which nearby cities are cheaper to rent in than Stephens City?

Several nearby cities have lower median rents than Stephens City ($2,277/mo): Martinsburg ($1,651/mo), Inwood ($1,748/mo), Winchester ($1,785/mo).

What percentage of Stephens City residents rent vs. own?

According to Census data, approximately 33% of Stephens City households are renters, while 67% are owner-occupied. Stephens City leans toward homeownership, which can mean a smaller rental inventory.

How does Stephens City rent compare to the national average?

Stephens City's median rent of $2,277/mo is $312 (16%) above the US national median of $1,965/mo. Within Virginia, it ranks #30 out of 83 tracked cities.
Income Affordability
27%
AFFORDABLE

At $2,277/mo, rent takes ~27% of Stephens City's median household income ($102,593/yr). The standard benchmark is 30%.

Stephens City 27%Benchmark 30%
State income tax2–5.75%
Run the Stephens City affordability calculator →
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Stephens City, VA

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