23168 — James City County, Virginia Market Snapshot
Housing market data for zip code 23168 in James City County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$470,037
Days to Sell
42
Homes Sold
56
Inventory
43
Sale-to-List
99.9%
New Listings
108
Price/SqFt
$212
Pending Sales
67
Conforming Loan Available
Most homebuyers in 23168 can comfortably use conventional financing. The median home price of $470,037 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
23168's market is balanced with homes taking an average of 42 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 23168 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 23168 can comfortably use conventional financing. The median home price of $470,037 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 23168 are set at the county level.
2026 Loan Limits — James City County
| 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 23168
To purchase the median home at $470,037 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,751.
Monthly Payment
$3,751
Income Required
$160,769
Principal & Interest
$2,896/mo
Down Payment (5%)
$23,502
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 23168.
Estimated Monthly Payment
$3,059
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