22736 — Culpeper County, Virginia Market Snapshot
Housing market data for zip code 22736 in Culpeper County, Virginia. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Culpeper County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$445,000
Days to Sell
26
Homes Sold
1
Inventory
4
Conforming Loan Available
Most homebuyers in 22736 can comfortably use conventional financing. The median home price of $445,000 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
Homes in 22736 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 22736 can comfortably use conventional financing. The median home price of $445,000 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 22736 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 22736
To purchase the median home at $445,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,559.
Monthly Payment
$3,559
Income Required
$152,548
Principal & Interest
$2,742/mo
Down Payment (5%)
$22,250
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 22736.
Estimated Monthly Payment
$2,904
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