24590 — Fluvanna County, Virginia Market Snapshot
Housing market data for zip code 24590 in Fluvanna County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$382,400
Days to Sell
66
Homes Sold
28
Inventory
35
Sale-to-List
97.4%
New Listings
46
Price/SqFt
$243
Pending Sales
30
Conforming Loan Available
Most homebuyers in 24590 can comfortably use conventional financing. The median home price of $382,400 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
With homes sitting for 66 days on average, 24590 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 24590 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 24590 can comfortably use conventional financing. The median home price of $382,400 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 24590 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 24590
To purchase the median home at $382,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,080.
Monthly Payment
$3,080
Income Required
$131,993
Principal & Interest
$2,356/mo
Down Payment (5%)
$19,120
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 24590.
Estimated Monthly Payment
$2,517
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