23666 — Hampton city, Virginia Market Snapshot
Housing market data for zip code 23666 in Hampton city, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$135,000
Days to Sell
72
Homes Sold
17
Inventory
16
Sale-to-List
99.0%
New Listings
26
Price/SqFt
$181
Pending Sales
27
Conforming Loan Available
Most homebuyers in 23666 can comfortably use conventional financing. The median home price of $135,000 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
With homes sitting for 72 days on average, 23666 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 23666 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 23666 can comfortably use conventional financing. The median home price of $135,000 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 23666 are set at the county level.
2026 Loan Limits — Hampton city
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $757,850 |
| 2 Units | $1,066,250 | $970,200 |
| 3 Units | $1,288,800 | $1,172,750 |
| 4 Units | $1,601,750 | $1,457,450 |
Affordability Snapshot — Zip 23666
To purchase the median home at $135,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,184.
Monthly Payment
$1,184
Income Required
$50,757
Principal & Interest
$832/mo
Down Payment (5%)
$6,750
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 23666.
Estimated Monthly Payment
$985
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