23661 — Hampton city, Virginia Market Snapshot
Housing market data for zip code 23661 in Hampton city, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$253,000
Days to Sell
41
Homes Sold
55
Inventory
62
Sale-to-List
97.9%
New Listings
94
Price/SqFt
$182
Pending Sales
78
Conforming Loan Available
Most homebuyers in 23661 can comfortably use conventional financing. The median home price of $253,000 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
23661's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 23661 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 23661 can comfortably use conventional financing. The median home price of $253,000 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 23661 are set at the county level.
2026 Loan Limits — Hampton city
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $757,850 |
| 2 Units | $1,066,250 | $970,200 |
| 3 Units | $1,288,800 | $1,172,750 |
| 4 Units | $1,601,750 | $1,457,450 |
Affordability Snapshot — Zip 23661
To purchase the median home at $253,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,088.
Monthly Payment
$2,088
Income Required
$89,503
Principal & Interest
$1,559/mo
Down Payment (5%)
$12,650
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 23661.
Estimated Monthly Payment
$1,716
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