23084 — Fluvanna County, Virginia Market Snapshot
Housing market data for zip code 23084 in Fluvanna County, Virginia. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Fluvanna County county page for broader data.
Market Sales Data
6 sales in 2026 (year to date)
Median Sale Price
$302,500
Days to Sell
46
Homes Sold
6
Inventory
2
Conforming Loan Available
Most homebuyers in 23084 can comfortably use conventional financing. The median home price of $302,500 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
23084's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 23084 can comfortably use conventional financing. The median home price of $302,500 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 23084 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 23084
To purchase the median home at $302,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,468.
Monthly Payment
$2,468
Income Required
$105,757
Principal & Interest
$1,864/mo
Down Payment (5%)
$15,125
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 23084.
Estimated Monthly Payment
$2,022
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