22603 — Frederick County, Virginia Market Snapshot
Housing market data for zip code 22603 in Frederick County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$517,500
Days to Sell
69
Homes Sold
30
Inventory
52
Sale-to-List
96.4%
New Listings
58
Price/SqFt
$242
Pending Sales
46
Conforming Loan Available
Most homebuyers in 22603 can comfortably use conventional financing. The median home price of $517,500 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
With homes sitting for 69 days on average, 22603 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 22603 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 22603 can comfortably use conventional financing. The median home price of $517,500 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 22603 are set at the county level.
2026 Loan Limits — Frederick County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 22603
To purchase the median home at $517,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,115.
Monthly Payment
$4,115
Income Required
$176,354
Principal & Interest
$3,189/mo
Down Payment (5%)
$25,875
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 22603.
Estimated Monthly Payment
$3,353
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