23146 — Goochland County, Virginia Market Snapshot
Housing market data for zip code 23146 in Goochland County, Virginia. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Goochland County county page for broader data.
Market Sales Data
6 sales in 2026 (year to date)
Median Sale Price
$922,500
Days to Sell
15
Homes Sold
6
Inventory
9
Jumbo Loan Likely Needed
The median home in 23146 at $922,500 exceeds the 2026 conforming loan limit of $832,750 by $89,750. 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
Homes in 23146 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
The median home in 23146 at $922,500 exceeds the 2026 conforming loan limit of $832,750 by $89,750. 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 23146 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 23146
To purchase the median home at $922,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $7,218.
Monthly Payment
$7,218
Income Required
$309,339
Principal & Interest
$5,684/mo
Down Payment (5%)
$46,125
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 23146.
Estimated Monthly Payment
$5,859
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