23226 — Henrico County, Virginia Market Snapshot
Housing market data for zip code 23226 in Henrico County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
89 sales in 2026 (year to date)
Median Sale Price
$682,000
Days to Sell
10
Homes Sold
89
Inventory
28
Sale-to-List
105.8%
New Listings
113
Price/SqFt
$394
Pending Sales
100
Conforming Loan Available
The median home in 23226 at $682,000 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
23226 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 23226 are selling 5.8% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 23226 at $682,000 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 23226 are set at the county level.
2026 Loan Limits — Henrico 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 23226
To purchase the median home at $682,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,375.
Monthly Payment
$5,375
Income Required
$230,369
Principal & Interest
$4,202/mo
Down Payment (5%)
$34,100
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 23226.
Estimated Monthly Payment
$4,371
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 23226. Tell us what you're looking for.