24054 — Pittsylvania County, Virginia Market Snapshot
Housing market data for zip code 24054 in Pittsylvania 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
$224,450
Days to Sell
61
Homes Sold
10
Inventory
6
Sale-to-List
97.6%
New Listings
7
Price/SqFt
$134
Pending Sales
7
Conforming Loan Available
Most homebuyers in 24054 can comfortably use conventional financing. The median home price of $224,450 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 61 days on average, 24054 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
The average home in 24054 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 24054 can comfortably use conventional financing. The median home price of $224,450 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 24054 are set at the county level.
2026 Loan Limits — Pittsylvania 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 24054
To purchase the median home at $224,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,870.
Monthly Payment
$1,870
Income Required
$80,128
Principal & Interest
$1,383/mo
Down Payment (5%)
$11,223
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 24054.
Estimated Monthly Payment
$1,539
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