22902 — Fluvanna County, Virginia Market Snapshot
Housing market data for zip code 22902 in Fluvanna County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$371,000
Days to Sell
21
Homes Sold
35
Inventory
28
Sale-to-List
99.0%
New Listings
58
Price/SqFt
$228
Pending Sales
41
Conforming Loan Available
Most homebuyers in 22902 can comfortably use conventional financing. The median home price of $371,000 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
Homes in 22902 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 22902 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22902 can comfortably use conventional financing. The median home price of $371,000 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 22902 are set at the county level.
2026 Loan Limits — Fluvanna County
| 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 22902
To purchase the median home at $371,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,992.
Monthly Payment
$2,992
Income Required
$128,249
Principal & Interest
$2,286/mo
Down Payment (5%)
$18,550
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 22902.
Estimated Monthly Payment
$2,446
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