20106 — Rappahannock County, Virginia Market Snapshot
Housing market data for zip code 20106 in Rappahannock County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$602,500
Days to Sell
33
Homes Sold
12
Inventory
33
Sale-to-List
99.0%
New Listings
34
Price/SqFt
$252
Pending Sales
19
Conforming Loan Available
Most homebuyers in 20106 can comfortably use conventional financing. The median home price of $602,500 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
20106's market is balanced with homes taking an average of 33 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 20106 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 20106 can comfortably use conventional financing. The median home price of $602,500 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 20106 are set at the county level.
2026 Loan Limits — Rappahannock 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 20106
To purchase the median home at $602,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,766.
Monthly Payment
$4,766
Income Required
$204,264
Principal & Interest
$3,712/mo
Down Payment (5%)
$30,125
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 20106.
Estimated Monthly Payment
$3,879
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