22911 — Albemarle County, Virginia Market Snapshot
Housing market data for zip code 22911 in Albemarle County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
80 sales in 2026 (year to date)
Median Sale Price
$512,500
Days to Sell
18
Homes Sold
80
Inventory
105
Sale-to-List
99.8%
New Listings
187
Price/SqFt
$244
Pending Sales
117
Conforming Loan Available
Most homebuyers in 22911 can comfortably use conventional financing. The median home price of $512,500 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
Homes in 22911 are moving quickly at 18 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 22911 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22911 can comfortably use conventional financing. The median home price of $512,500 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 22911 are set at the county level.
2026 Loan Limits — Albemarle County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $598,000 |
| 2 Units | $1,066,250 | $765,550 |
| 3 Units | $1,288,800 | $925,350 |
| 4 Units | $1,601,750 | $1,150,000 |
Affordability Snapshot — Zip 22911
To purchase the median home at $512,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,077.
Monthly Payment
$4,077
Income Required
$174,712
Principal & Interest
$3,158/mo
Down Payment (5%)
$25,625
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 22911.
Estimated Monthly Payment
$3,322
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