23235 — Chesterfield County, Virginia Market Snapshot
Housing market data for zip code 23235 in Chesterfield County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
122 sales in 2026 (year to date)
Median Sale Price
$454,875
Days to Sell
13
Homes Sold
122
Inventory
27
Sale-to-List
103.0%
New Listings
132
Price/SqFt
$230
Pending Sales
130
Conforming Loan Available
Most homebuyers in 23235 can comfortably use conventional financing. The median home price of $454,875 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
23235 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 23235 are selling 3.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 23235 can comfortably use conventional financing. The median home price of $454,875 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 23235 are set at the county level.
2026 Loan Limits — Chesterfield County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $707,250 |
| 2 Units | $1,066,250 | $905,400 |
| 3 Units | $1,288,800 | $1,094,450 |
| 4 Units | $1,601,750 | $1,360,100 |
Affordability Snapshot — Zip 23235
To purchase the median home at $454,875 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,635.
Monthly Payment
$3,635
Income Required
$155,791
Principal & Interest
$2,803/mo
Down Payment (5%)
$22,744
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 23235.
Estimated Monthly Payment
$2,965
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