23103 — Goochland County, Virginia Market Snapshot
Housing market data for zip code 23103 in Goochland County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
53 sales in 2026 (year to date)
Median Sale Price
$966,505
Days to Sell
5
Homes Sold
53
Inventory
25
Sale-to-List
108.4%
New Listings
54
Price/SqFt
$282
Pending Sales
46
Jumbo Loan Likely Needed
The median home in 23103 at $966,505 exceeds the 2026 conforming loan limit of $832,750 by $133,755. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
23103 is an extremely competitive market with homes selling in just 5 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 23103 are selling 8.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 23103 at $966,505 exceeds the 2026 conforming loan limit of $832,750 by $133,755. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 23103 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 23103
To purchase the median home at $966,505 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,555.
Monthly Payment
$7,555
Income Required
$323,788
Principal & Interest
$5,955/mo
Down Payment (5%)
$48,325
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 23103.
Estimated Monthly Payment
$6,131
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