22947 — Louisa County, Virginia Market Snapshot
Housing market data for zip code 22947 in Louisa County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
45 sales in 2026 (year to date)
Median Sale Price
$566,342
Days to Sell
120
Homes Sold
45
Inventory
44
Sale-to-List
99.1%
New Listings
46
Price/SqFt
$265
Pending Sales
37
Conforming Loan Available
Most homebuyers in 22947 can comfortably use conventional financing. The median home price of $566,342 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
With homes sitting for 120 days on average, 22947 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 22947 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22947 can comfortably use conventional financing. The median home price of $566,342 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 22947 are set at the county level.
2026 Loan Limits — Louisa 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 22947
To purchase the median home at $566,342 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,489.
Monthly Payment
$4,489
Income Required
$192,391
Principal & Interest
$3,490/mo
Down Payment (5%)
$28,317
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 22947.
Estimated Monthly Payment
$3,655
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