22701 — Orange County, Virginia Market Snapshot
Housing market data for zip code 22701 in Orange County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
110 sales in 2026 (year to date)
Median Sale Price
$485,000
Days to Sell
40
Homes Sold
110
Inventory
123
Sale-to-List
99.4%
New Listings
163
Price/SqFt
$222
Pending Sales
129
Conforming Loan Available
Most homebuyers in 22701 can comfortably use conventional financing. The median home price of $485,000 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
22701's market is balanced with homes taking an average of 40 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 22701 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22701 can comfortably use conventional financing. The median home price of $485,000 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 22701 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 22701
To purchase the median home at $485,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,866.
Monthly Payment
$3,866
Income Required
$165,682
Principal & Interest
$2,988/mo
Down Payment (5%)
$24,250
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 22701.
Estimated Monthly Payment
$3,152
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