22134 — Stafford County, Virginia Market Snapshot
Housing market data for zip code 22134 in Stafford 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 Stafford County county page for broader data.
Market Sales Data
1 sales in 2026 (year to date)
Median Sale Price
$295,000
Days to Sell
5
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 22134 can comfortably use conventional financing. The median home price of $295,000 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
22134 is an extremely competitive market with homes selling in just 5 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 22134 can comfortably use conventional financing. The median home price of $295,000 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 22134 are set at the county level.
2026 Loan Limits — Stafford 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 22134
To purchase the median home at $295,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,410.
Monthly Payment
$2,410
Income Required
$103,294
Principal & Interest
$1,818/mo
Down Payment (5%)
$14,750
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 22134.
Estimated Monthly Payment
$1,976
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 22134. Tell us what you're looking for.