24090 — Botetourt County, Virginia Market Snapshot
Housing market data for zip code 24090 in Botetourt County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$490,000
Days to Sell
29
Homes Sold
11
Inventory
15
Sale-to-List
95.6%
New Listings
23
Price/SqFt
$223
Pending Sales
16
Conforming Loan Available
Most homebuyers in 24090 can comfortably use conventional financing. The median home price of $490,000 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
Homes in 24090 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 24090 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 24090 can comfortably use conventional financing. The median home price of $490,000 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 24090 are set at the county level.
2026 Loan Limits — Botetourt 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 24090
To purchase the median home at $490,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,904.
Monthly Payment
$3,904
Income Required
$167,324
Principal & Interest
$3,019/mo
Down Payment (5%)
$24,500
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 24090.
Estimated Monthly Payment
$3,183
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