22963 — Fluvanna County, Virginia Market Snapshot
Housing market data for zip code 22963 in Fluvanna County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
82 sales in 2026 (year to date)
Median Sale Price
$358,750
Days to Sell
28
Homes Sold
82
Inventory
86
Sale-to-List
99.3%
New Listings
140
Price/SqFt
$205
Pending Sales
109
Conforming Loan Available
Most homebuyers in 22963 can comfortably use conventional financing. The median home price of $358,750 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
Homes in 22963 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 22963 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22963 can comfortably use conventional financing. The median home price of $358,750 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 22963 are set at the county level.
2026 Loan Limits — Fluvanna County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $598,000 |
| 2 Units | $1,066,250 | $765,550 |
| 3 Units | $1,288,800 | $925,350 |
| 4 Units | $1,601,750 | $1,150,000 |
Affordability Snapshot — Zip 22963
To purchase the median home at $358,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,899.
Monthly Payment
$2,899
Income Required
$124,227
Principal & Interest
$2,211/mo
Down Payment (5%)
$17,938
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 22963.
Estimated Monthly Payment
$2,370
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 22963. Tell us what you're looking for.