22821 — Rockingham County, Virginia Market Snapshot
Housing market data for zip code 22821 in Rockingham 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
$327,300
Days to Sell
42
Homes Sold
12
Inventory
1
Sale-to-List
94.2%
New Listings
5
Price/SqFt
$197
Pending Sales
10
Conforming Loan Available
Most homebuyers in 22821 can comfortably use conventional financing. The median home price of $327,300 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
22821's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 22821 sells for 5.8% below asking price (94.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 22821 can comfortably use conventional financing. The median home price of $327,300 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 22821 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 22821
To purchase the median home at $327,300 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,658.
Monthly Payment
$2,658
Income Required
$113,900
Principal & Interest
$2,017/mo
Down Payment (5%)
$16,365
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 22821.
Estimated Monthly Payment
$2,176
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 22821. Tell us what you're looking for.