22827 — Rockingham County, Virginia Market Snapshot
Housing market data for zip code 22827 in Rockingham County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$324,245
Days to Sell
18
Homes Sold
28
Inventory
19
Sale-to-List
98.9%
New Listings
44
Price/SqFt
$206
Pending Sales
40
Conforming Loan Available
Most homebuyers in 22827 can comfortably use conventional financing. The median home price of $324,245 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 22827 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 22827 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22827 can comfortably use conventional financing. The median home price of $324,245 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 22827 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 22827
To purchase the median home at $324,245 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,634.
Monthly Payment
$2,634
Income Required
$112,897
Principal & Interest
$1,998/mo
Down Payment (5%)
$16,212
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 22827.
Estimated Monthly Payment
$2,157
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 22827. Tell us what you're looking for.