22553 — Spotsylvania County, Virginia Market Snapshot
Housing market data for zip code 22553 in Spotsylvania County, Virginia. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Spotsylvania County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$366,750
Days to Sell
20
Homes Sold
2
Inventory
4
Conforming Loan Available
Most homebuyers in 22553 can comfortably use conventional financing. The median home price of $366,750 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 22553 are moving quickly at 20 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Conforming Loan Feasibility
Most homebuyers in 22553 can comfortably use conventional financing. The median home price of $366,750 is well below the 2026 conforming loan limit of $1,249,125, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 22553 are set at the county level.
2026 Loan Limits — Spotsylvania 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 22553
To purchase the median home at $366,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,960.
Monthly Payment
$2,960
Income Required
$126,854
Principal & Interest
$2,260/mo
Down Payment (5%)
$18,338
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 22553.
Estimated Monthly Payment
$2,420
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 22553. Tell us what you're looking for.