Cost of Living in Aquia Harbour
What does it cost to live in Aquia Harbour?
Living in Aquia Harbour costs a mortgage on a median $461,000 home (Census, 2020–24) plus $174 a month in POA dues and Stafford County real estate tax at $0.9675 per $100 in 2026, about $4,525 a year on that home. There's no natural gas, so heat and cooking run on electricity or propane.
New owners also pay a one-time $2,600 POA initiation fee.
How does Aquia Harbour's property tax compare with nearby towns?
Stafford's 2026 rate of $0.9675 per $100 is higher than Fredericksburg's $0.80 and Prince William's proposed $0.906.
Sources: . Sample bars. Real rates replace them.
Which Aquia Harbour homes pay HOA dues, and how much?
Every home pays the POA: $174 a month or $2,088 a year for 1 April 2026 – 31 March 2027, plus a $2,600 initiation fee for new owners ($1,500 for tenants).
Sources: AHPOA, New Members (2026).
What do utilities cost in Aquia Harbour?
No natural gas; propane where needed. County water and sewer run about $107 a month for 5,000 gallons at June 2026 rates; power is Dominion.
Stafford rates eff. 1 Jun 2026
What does homeowners insurance cost in Aquia Harbour?
Insurance depends mostly on whether the home is near the creek: on FEMA's 2023 maps, 50 of 2,334 address points (2.1%) are in the 100-year flood zone, where lenders generally require flood insurance.
Along Aquia Creek
What other taxes do Aquia Harbour residents pay?
Sales tax is 5.3% today. On 3 November 2026 Stafford voters decide on an extra local tax of up to 1% for school construction, which would start 1 July 2027 and not apply to food. Cars are taxed at $5.72 per $100; boats at $0.
6.3% from Jul 2027 if the 3 Nov referendum passes
Most active-duty nonresidents exempt
Since 1 Jul 2025 · lodging 11%