22901 — Charlottesville city, Virginia Market Snapshot
Housing market data for zip code 22901 in Charlottesville city, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$245,500
Days to Sell
35
Homes Sold
14
Inventory
33
Sale-to-List
97.2%
New Listings
56
Price/SqFt
$253
Pending Sales
20
Conforming Loan Available
Most homebuyers in 22901 can comfortably use conventional financing. The median home price of $245,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
22901's market is balanced with homes taking an average of 35 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 22901 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 22901 can comfortably use conventional financing. The median home price of $245,500 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 22901 are set at the county level.
2026 Loan Limits — Charlottesville city
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $598,000 |
| 2 Units | $1,066,250 | $765,550 |
| 3 Units | $1,288,800 | $925,350 |
| 4 Units | $1,601,750 | $1,150,000 |
Affordability Snapshot — Zip 22901
To purchase the median home at $245,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,031.
Monthly Payment
$2,031
Income Required
$87,040
Principal & Interest
$1,513/mo
Down Payment (5%)
$12,275
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 22901.
Estimated Monthly Payment
$1,669
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