22625 — Frederick County, Virginia Market Snapshot
Housing market data for zip code 22625 in Frederick County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$472,187
Days to Sell
56
Homes Sold
24
Inventory
25
Sale-to-List
99.4%
New Listings
34
Price/SqFt
$189
Pending Sales
26
Conforming Loan Available
Most homebuyers in 22625 can comfortably use conventional financing. The median home price of $472,187 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
22625's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 22625 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22625 can comfortably use conventional financing. The median home price of $472,187 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 22625 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 22625
To purchase the median home at $472,187 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,768.
Monthly Payment
$3,768
Income Required
$161,475
Principal & Interest
$2,909/mo
Down Payment (5%)
$23,609
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 22625.
Estimated Monthly Payment
$3,072
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