22624 — Frederick County, Virginia Market Snapshot
Housing market data for zip code 22624 in Frederick County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$427,500
Days to Sell
76
Homes Sold
14
Inventory
11
Sale-to-List
99.5%
New Listings
18
Price/SqFt
$256
Pending Sales
12
Conforming Loan Available
Most homebuyers in 22624 can comfortably use conventional financing. The median home price of $427,500 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 76 days on average, 22624 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
Homes are selling very close to asking price in 22624 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22624 can comfortably use conventional financing. The median home price of $427,500 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 22624 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 22624
To purchase the median home at $427,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,425.
Monthly Payment
$3,425
Income Required
$146,802
Principal & Interest
$2,634/mo
Down Payment (5%)
$21,375
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 22624.
Estimated Monthly Payment
$2,796
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