22749 — Rappahannock County, Virginia Market Snapshot
Housing market data for zip code 22749 in Rappahannock County, Virginia. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Rappahannock County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$1,200,000
Days to Sell
26
Homes Sold
1
Inventory
4
Conforming Loan Available
The median home in 22749 at $1,200,000 falls within the 2026 conforming loan limit of $1,249,125, 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
Homes in 22749 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
The median home in 22749 at $1,200,000 falls within the 2026 conforming loan limit of $1,249,125, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 22749 are set at the county level.
2026 Loan Limits — Rappahannock County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $1,249,125 | $1,249,125 |
| 2 Units | $1,599,375 | $1,599,375 |
| 3 Units | $1,933,200 | $1,933,200 |
| 4 Units | $2,402,625 | $2,402,625 |
Affordability Snapshot — Zip 22749
To purchase the median home at $1,200,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,344.
Monthly Payment
$9,344
Income Required
$400,458
Principal & Interest
$7,394/mo
Down Payment (5%)
$60,000
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 22749.
Estimated Monthly Payment
$7,577
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