23464 — Virginia Beach city, Virginia Market Snapshot
Housing market data for zip code 23464 in Virginia Beach city, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
162 sales in 2026 (year to date)
Median Sale Price
$432,250
Days to Sell
20
Homes Sold
162
Inventory
95
Sale-to-List
100.2%
New Listings
237
Price/SqFt
$232
Pending Sales
202
Conforming Loan Available
Most homebuyers in 23464 can comfortably use conventional financing. The median home price of $432,250 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 23464 are moving quickly at 20 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 23464 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 23464 can comfortably use conventional financing. The median home price of $432,250 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 23464 are set at the county level.
2026 Loan Limits — Virginia Beach city
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $757,850 |
| 2 Units | $1,066,250 | $970,200 |
| 3 Units | $1,288,800 | $1,172,750 |
| 4 Units | $1,601,750 | $1,457,450 |
Affordability Snapshot — Zip 23464
To purchase the median home at $432,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,462.
Monthly Payment
$3,462
Income Required
$148,361
Principal & Interest
$2,663/mo
Down Payment (5%)
$21,613
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 23464.
Estimated Monthly Payment
$2,825
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