22401 — Fredericksburg city, Virginia Market Snapshot
Housing market data for zip code 22401 in Fredericksburg city, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$517,850
Days to Sell
40
Homes Sold
56
Inventory
51
Sale-to-List
98.1%
New Listings
77
Price/SqFt
$230
Pending Sales
66
Conforming Loan Available
Most homebuyers in 22401 can comfortably use conventional financing. The median home price of $517,850 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
22401's market is balanced with homes taking an average of 40 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 22401 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22401 can comfortably use conventional financing. The median home price of $517,850 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 22401 are set at the county level.
2026 Loan Limits — Fredericksburg city
| 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 22401
To purchase the median home at $517,850 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,118.
Monthly Payment
$4,118
Income Required
$176,469
Principal & Interest
$3,191/mo
Down Payment (5%)
$25,893
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 22401.
Estimated Monthly Payment
$3,355
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