Property Taxes in Lovingston, Virginia
Median Lovingston, Virginia effective property tax rate: 0.65%, significantly lower than the national median of 1.02%, and lower than the Virginia state median of 0.90%.
Median Lovingston, Virginia home value: $164,150
Median annual Lovingston, Virginia tax bill: $981, lower than the national median property tax bill of $2,400.
How are property taxes in Nelson calculated?
Property taxes in Lovingston, Virginia are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Lovingston's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Lovingston, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Lovingston Property Tax Calculator Work?
Use this Lovingston property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Lovingston's median effective tax rate of 0.65% — based on actual property records in Nelson County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Lovingston's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Lovingston: rates range from 0.65% in 22949 to 0.65% in 22949, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Lovingston.
About Lovingston Property Taxes
About Property Taxes in Lovingston, Nelson, Virginia
Lovingston’s median effective property tax rate of 0.65% is lower than the Virginia state median of 0.90% and lower than the national median of 1.02%. This rate reflects the Nelson County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Lovingston. Homeowners in the 22949 ZIP code carry a median effective rate of 0.65%, while those in the lowest ZIP code pay 0.65%. This spread reflects how school district boundaries and local assessment districts are drawn across Nelson County. Understanding which part of Lovingston you live in can make a meaningful difference to your annual tax bill.
Lovingston homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the April 15, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Lovingston, Nelson County, Virginia
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Lovingston's effective property tax rate to other cities in Virginia and the median property tax rates in Virginia and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Lovingston Tax Rate
0.65%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Nelson County Tax Rate
0.65%
Median Effective Virginia Tax Rate
0.90%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Lovingston, Nelson County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22949 | 0.36% | 0.65% | 0.65% | 0.65% | 0.65% |
Source: Ownwell
Property Tax Assessment Values Across Lovingston, Nelson County, Virginia
When examining property taxes in Lovingston, Virginia, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Nelson County assessment office estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Nelson County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of November.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. For example, the median home price in Lovingston is $164,150, with tax bills ranging significantly across the county. 22949 has the highest median home price at $164,150.
Property Tax Assessment Values Across Lovingston, Nelson County, Virginia
Source: Ownwell
$37,500
$182,050
$326,600
Median Lovingston Market Value
$164,150
Median Nelson County Market Value
$146,400
Median Virginia Market Value
$323,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Lovingston, Nelson County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22949 | $8,390 | $36,400 | $164,150 | $287,925 | $466,450 |
Source: Ownwell
Property Tax Bills Across Lovingston, Nelson County, Virginia
Property tax bills in Lovingston are based on the assessed value of a home and the local tax rate set for Nelson County. When a property is reassessed, the market value is used to determine how much tax is owed, so changes in home value can directly affect the bill. For homeowners, a higher assessed value usually means a higher tax bill, while a lower assessed value can reduce what is due.
In Lovingston, the median home price is $164,150, and the median property tax bill is $981.00. That is well below the national median property tax bill of $2,400 and reflects a lower tax burden than many homeowners pay across the country. Tax bills can still vary widely from one home to another, with bills in the area ranging from $202 at the 25th percentile to $1,661 at the 75th percentile and $2,468 at the 90th percentile.
Median Lovingston Tax Bill
$981
Median Nelson County Tax Bill
$909
Median Virginia Tax Bill
$2,852
Median United States Tax Bill
$3,209
Property Tax Bills Across Lovingston, Nelson County, Virginia
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 22949 | $40 | $202 | $981 | $1,661 | $2,468 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 15 |
Links | |
|---|---|
| Nelson Tax Assessor | |
| Website | www.nelsoncountygis.org |