22815 — Rockingham County, Virginia Market Snapshot
Housing market data for zip code 22815 in Rockingham County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$370,000
Days to Sell
15
Homes Sold
17
Inventory
12
Sale-to-List
97.2%
New Listings
33
Price/SqFt
$189
Pending Sales
30
Conforming Loan Available
Most homebuyers in 22815 can comfortably use conventional financing. The median home price of $370,000 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
Homes in 22815 are moving quickly at 15 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 22815 sells for 2.8% below asking price (97.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 22815 can comfortably use conventional financing. The median home price of $370,000 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 22815 are set at the county level.
2026 Loan Limits — Rockingham 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 22815
To purchase the median home at $370,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,985.
Monthly Payment
$2,985
Income Required
$127,921
Principal & Interest
$2,280/mo
Down Payment (5%)
$18,500
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 22815.
Estimated Monthly Payment
$2,440
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