State: Virginia

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How a Virginia Car Loan Calculator includes tax:

Virginia charges tax on the sale price of the vehicle minus the factory rebate, without credit for trade vehicles.

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GAP insurance, extended warranties, and prepaid maintenance plans are excluded from taxation.

Car buyers get tax breaks on prepaid service contracts in Virginia.

Principal vs Interest

Tax vs Tags

See credit union interest rates for APR.

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Principal vs Interest

Tax vs Tags

Cost Breakdown

Tax
Virginia car tax is $ at % based on an amount of $. This taxable value is combined from the sale price of $ plus the doc fee of $ minus the rebate of $.

The minimum sales tax is $75.

Tags
Virginia DMV fees are about $ on a $ vehicle based on a $57.75 reg fee plus titling fees that vary by vehicle type and weight.

EV surcharges are levied to offset declining fuel tax revenue. Add $132 to the DMV fees for electric vehicles.

View the Virginia state fee chart to verify registration cost, and use our DMV Override to adjust the calculator.

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All data based on your calculation.

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Verbal Equation

A car payment with Virginia tax included is $ per month at % APR for months on a loan amount of $.

The payment is based on a net price of $, plus Virginia state fees, plus extended warranties. The net price comes from the sale price of $ minus the rebate of $.

The trade vehicle value is $, and after a trade loan payoff of $, the equity of $ applies to the vehicle purchase.

The payment of tax and tags combined is $, but this may vary based on vehicle type and intended usage. The doc fee is $.

Adjust numbers in calculator.

Notes

Cost of car ownership in Virginia appears low compared to other states, however localities levy a yearly vehicle property tax due prior to plate renewal.

Prepaid maintenance can be included on the warranty line of the auto loan calculator for accurate handling.

The documentation fee is determined by the dealer, but is not negotiable so expect to see it on the contract. The customary doc fee is $595, but may vary because there is no maximum set by the State of Virginia.

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