22853 — Shenandoah County, Virginia Market Snapshot
Housing market data for zip code 22853 in Shenandoah County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$363,875
Days to Sell
84
Homes Sold
10
Inventory
1
Sale-to-List
96.1%
New Listings
6
Price/SqFt
$232
Pending Sales
12
Conforming Loan Available
Most homebuyers in 22853 can comfortably use conventional financing. The median home price of $363,875 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
With homes sitting for 84 days on average, 22853 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 22853 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 22853 can comfortably use conventional financing. The median home price of $363,875 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 22853 are set at the county level.
2026 Loan Limits — Shenandoah 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 22853
To purchase the median home at $363,875 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,938.
Monthly Payment
$2,938
Income Required
$125,910
Principal & Interest
$2,242/mo
Down Payment (5%)
$18,194
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 22853.
Estimated Monthly Payment
$2,402
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