23086 — King William County, Virginia Market Snapshot
Housing market data for zip code 23086 in King William County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$357,500
Days to Sell
14
Homes Sold
10
Inventory
3
Sale-to-List
100.5%
New Listings
9
Price/SqFt
$253
Pending Sales
11
Conforming Loan Available
Most homebuyers in 23086 can comfortably use conventional financing. The median home price of $357,500 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
Homes in 23086 are moving quickly at 14 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 23086 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 23086 can comfortably use conventional financing. The median home price of $357,500 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 23086 are set at the county level.
2026 Loan Limits — King William 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 23086
To purchase the median home at $357,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,889.
Monthly Payment
$2,889
Income Required
$123,816
Principal & Interest
$2,203/mo
Down Payment (5%)
$17,875
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 23086.
Estimated Monthly Payment
$2,362
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