22551 — Orange County, Virginia Market Snapshot
Housing market data for zip code 22551 in Orange 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
$519,900
Days to Sell
56
Homes Sold
89
Inventory
105
Sale-to-List
99.0%
New Listings
145
Price/SqFt
$240
Pending Sales
116
Conforming Loan Available
Most homebuyers in 22551 can comfortably use conventional financing. The median home price of $519,900 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
22551's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 22551 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22551 can comfortably use conventional financing. The median home price of $519,900 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 22551 are set at the county level.
2026 Loan Limits — Orange County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 22551
To purchase the median home at $519,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,133.
Monthly Payment
$4,133
Income Required
$177,142
Principal & Interest
$3,203/mo
Down Payment (5%)
$25,995
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 22551.
Estimated Monthly Payment
$3,368
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