22802 — Rockingham County, Virginia Market Snapshot
Housing market data for zip code 22802 in Rockingham County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$336,000
Days to Sell
10
Homes Sold
36
Inventory
15
Sale-to-List
99.1%
New Listings
48
Price/SqFt
$206
Pending Sales
43
Conforming Loan Available
Most homebuyers in 22802 can comfortably use conventional financing. The median home price of $336,000 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
22802 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 22802 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22802 can comfortably use conventional financing. The median home price of $336,000 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 22802 are set at the county level.
2026 Loan Limits — Rockingham 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 22802
To purchase the median home at $336,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,724.
Monthly Payment
$2,724
Income Required
$116,757
Principal & Interest
$2,070/mo
Down Payment (5%)
$16,800
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 22802.
Estimated Monthly Payment
$2,229
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