24551 — Campbell County, Virginia Market Snapshot
Housing market data for zip code 24551 in Campbell County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$342,450
Days to Sell
12
Homes Sold
34
Inventory
17
Sale-to-List
99.6%
New Listings
52
Price/SqFt
$173
Pending Sales
42
Conforming Loan Available
Most homebuyers in 24551 can comfortably use conventional financing. The median home price of $342,450 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
24551 is an extremely competitive market with homes selling in just 12 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 24551 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 24551 can comfortably use conventional financing. The median home price of $342,450 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 24551 are set at the county level.
2026 Loan Limits — Campbell 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 24551
To purchase the median home at $342,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,774.
Monthly Payment
$2,774
Income Required
$118,875
Principal & Interest
$2,110/mo
Down Payment (5%)
$17,123
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 24551.
Estimated Monthly Payment
$2,269
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