22602 — Frederick County, Virginia Market Snapshot
Housing market data for zip code 22602 in Frederick County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
143 sales in 2026 (year to date)
Median Sale Price
$405,000
Days to Sell
47
Homes Sold
143
Inventory
159
Sale-to-List
99.5%
New Listings
225
Price/SqFt
$210
Pending Sales
170
Conforming Loan Available
Most homebuyers in 22602 can comfortably use conventional financing. The median home price of $405,000 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
22602's market is balanced with homes taking an average of 47 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 22602 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22602 can comfortably use conventional financing. The median home price of $405,000 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 22602 are set at the county level.
2026 Loan Limits — Frederick County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 22602
To purchase the median home at $405,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,253.
Monthly Payment
$3,253
Income Required
$139,413
Principal & Interest
$2,495/mo
Down Payment (5%)
$20,250
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 22602.
Estimated Monthly Payment
$2,656
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