22642 — Fauquier County, Virginia Market Snapshot
Housing market data for zip code 22642 in Fauquier County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$427,450
Days to Sell
37
Homes Sold
12
Inventory
37
Sale-to-List
102.0%
New Listings
39
Price/SqFt
$254
Pending Sales
20
Conforming Loan Available
Most homebuyers in 22642 can comfortably use conventional financing. The median home price of $427,450 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
22642's market is balanced with homes taking an average of 37 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 22642 (102.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22642 can comfortably use conventional financing. The median home price of $427,450 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 22642 are set at the county level.
2026 Loan Limits — Fauquier 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 22642
To purchase the median home at $427,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,425.
Monthly Payment
$3,425
Income Required
$146,785
Principal & Interest
$2,634/mo
Down Payment (5%)
$21,373
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 22642.
Estimated Monthly Payment
$2,795
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