22718 — Culpeper County, Virginia Market Snapshot
Housing market data for zip code 22718 in Culpeper County, Virginia. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Culpeper County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$604,150
Days to Sell
115
Homes Sold
2
Inventory
10
Conforming Loan Available
Most homebuyers in 22718 can comfortably use conventional financing. The median home price of $604,150 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 115 days on average, 22718 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 22718 can comfortably use conventional financing. The median home price of $604,150 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 22718 are set at the county level.
2026 Loan Limits — Culpeper County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 22718
To purchase the median home at $604,150 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,779.
Monthly Payment
$4,779
Income Required
$204,806
Principal & Interest
$3,723/mo
Down Payment (5%)
$30,208
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 22718.
Estimated Monthly Payment
$3,889
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