23139 — Powhatan County, Virginia Market Snapshot
Housing market data for zip code 23139 in Powhatan County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
112 sales in 2026 (year to date)
Median Sale Price
$484,975
Days to Sell
24
Homes Sold
112
Inventory
81
Sale-to-List
99.5%
New Listings
163
Price/SqFt
$249
Pending Sales
127
Conforming Loan Available
Most homebuyers in 23139 can comfortably use conventional financing. The median home price of $484,975 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 23139 are moving quickly at 24 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 23139 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 23139 can comfortably use conventional financing. The median home price of $484,975 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 23139 are set at the county level.
2026 Loan Limits — Powhatan 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 23139
To purchase the median home at $484,975 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,866.
Monthly Payment
$3,866
Income Required
$165,674
Principal & Interest
$2,988/mo
Down Payment (5%)
$24,249
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 23139.
Estimated Monthly Payment
$3,151
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