23106 — King William County, Virginia Market Snapshot
Housing market data for zip code 23106 in King William County, Virginia. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the King William County county page for broader data.
Market Sales Data
5 sales in 2026 (year to date)
Median Sale Price
$378,000
Days to Sell
10
Homes Sold
5
Inventory
1
Conforming Loan Available
Most homebuyers in 23106 can comfortably use conventional financing. The median home price of $378,000 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
23106 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 23106 can comfortably use conventional financing. The median home price of $378,000 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 23106 are set at the county level.
2026 Loan Limits — King William County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $707,250 |
| 2 Units | $1,066,250 | $905,400 |
| 3 Units | $1,288,800 | $1,094,450 |
| 4 Units | $1,601,750 | $1,360,100 |
Affordability Snapshot — Zip 23106
To purchase the median home at $378,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,046.
Monthly Payment
$3,046
Income Required
$130,548
Principal & Interest
$2,329/mo
Down Payment (5%)
$18,900
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 23106.
Estimated Monthly Payment
$2,489
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