20109 — Prince William County, Virginia Market Snapshot
Housing market data for zip code 20109 in Prince William County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
85 sales in 2026 (year to date)
Median Sale Price
$435,000
Days to Sell
26
Homes Sold
85
Inventory
61
Sale-to-List
100.1%
New Listings
132
Price/SqFt
$260
Pending Sales
106
Conforming Loan Available
Most homebuyers in 20109 can comfortably use conventional financing. The median home price of $435,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 20109 are moving quickly at 26 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 20109 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20109 can comfortably use conventional financing. The median home price of $435,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 20109 are set at the county level.
2026 Loan Limits — Prince William County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 20109
To purchase the median home at $435,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,483.
Monthly Payment
$3,483
Income Required
$149,264
Principal & Interest
$2,680/mo
Down Payment (5%)
$21,750
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 20109.
Estimated Monthly Payment
$2,842
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