22407 — Culpeper County, Virginia Market Snapshot
Housing market data for zip code 22407 in Culpeper County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
227 sales in 2026 (year to date)
Median Sale Price
$460,000
Days to Sell
38
Homes Sold
227
Inventory
173
Sale-to-List
99.6%
New Listings
312
Price/SqFt
$219
Pending Sales
271
Conforming Loan Available
Most homebuyers in 22407 can comfortably use conventional financing. The median home price of $460,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
22407's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 22407 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22407 can comfortably use conventional financing. The median home price of $460,000 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 22407 are set at the county level.
2026 Loan Limits — Culpeper County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 22407
To purchase the median home at $460,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,674.
Monthly Payment
$3,674
Income Required
$157,473
Principal & Interest
$2,834/mo
Down Payment (5%)
$23,000
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 22407.
Estimated Monthly Payment
$2,997
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