At $2,112/mo, rent takes about 25% of the local median household income, comfortably within the 30% benchmark.
Rent by unit size
These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $2,112 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.
Source: HUD Small Area Fair Market Rents. Read the methodology →
12-month history
Last updated: October 17, 2026
What the numbers show
Rent in Stephens City changed -1.7% over the year to September 2026. Across the 66 Virginia cities Zillow tracks, the typical change was +2.5%.
Rent has fallen 3 months in a row, and rose in 5 of the last 12 months.
30% of the median household income ($102,593) is $2,565 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($2,160); a 4-bedroom is $2,920.
Winchester, 6 miles away, rents for 16% less ($1,768/mo), about $4,100 a year in savings.
From Zillow's monthly rent index (ZORI) for Stephens City. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
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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.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How Stephens City, VA has changed in 5 years
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%.
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Can you afford rent in Stephens City on your salary?
At $2,112/mo, how Stephens City rent compares to typical pay (30% rule).
Stephens City rent by bedroom count
Median rent for each apartment size in Stephens City. Click any size for full breakdown.
Tips for renters in Stephens City
Last updated: October 17, 2026
The median rent in Stephens City is $2,112/mo as of October 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 25% of local median household income ($102,593/yr), Stephens City ranks as affordable compared to the national benchmark of 30%. Rents have decreased 1.7% over the past year.
Frequently asked questions
How much income do you need to rent in Stephens City?
Is rent going up or down in Stephens City?
How does Stephens City rent compare to other cities in Virginia?
Which nearby cities are cheaper to rent in than Stephens City?
At $2,112/mo, rent takes ~25% of Stephens City's median household income ($102,593/yr). The standard benchmark is 30%.
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Estimated from ZIP-level data
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