23059 — Goochland County, Virginia Market Snapshot
Housing market data for zip code 23059 in Goochland County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
87 sales in 2026 (year to date)
Median Sale Price
$760,000
Days to Sell
17
Homes Sold
87
Inventory
48
Sale-to-List
100.9%
New Listings
119
Price/SqFt
$250
Pending Sales
104
Conforming Loan Available
The median home in 23059 at $760,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
Homes in 23059 are moving quickly at 17 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 23059 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 23059 at $760,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 23059 are set at the county level.
2026 Loan Limits — Goochland County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $707,250 |
| 2 Units | $1,066,250 | $905,400 |
| 3 Units | $1,288,800 | $1,094,450 |
| 4 Units | $1,601,750 | $1,360,100 |
Affordability Snapshot — Zip 23059
To purchase the median home at $760,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,973.
Monthly Payment
$5,973
Income Required
$255,981
Principal & Interest
$4,683/mo
Down Payment (5%)
$38,000
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 23059.
Estimated Monthly Payment
$4,853
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