22801 — Harrisonburg city, Virginia Market Snapshot
Housing market data for zip code 22801 in Harrisonburg city, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$480,000
Days to Sell
21
Homes Sold
44
Inventory
30
Sale-to-List
99.8%
New Listings
63
Price/SqFt
$196
Pending Sales
56
Conforming Loan Available
Most homebuyers in 22801 can comfortably use conventional financing. The median home price of $480,000 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 22801 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 22801 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22801 can comfortably use conventional financing. The median home price of $480,000 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 22801 are set at the county level.
2026 Loan Limits — Harrisonburg city
| 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 22801
To purchase the median home at $480,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,828.
Monthly Payment
$3,828
Income Required
$164,040
Principal & Interest
$2,958/mo
Down Payment (5%)
$24,000
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 22801.
Estimated Monthly Payment
$3,121
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 22801. Tell us what you're looking for.