22980 — Waynesboro city, Virginia Market Snapshot
Housing market data for zip code 22980 in Waynesboro city, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
148 sales in 2026 (year to date)
Median Sale Price
$332,243
Days to Sell
29
Homes Sold
148
Inventory
113
Sale-to-List
99.8%
New Listings
189
Price/SqFt
$199
Pending Sales
176
Conforming Loan Available
Most homebuyers in 22980 can comfortably use conventional financing. The median home price of $332,243 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 22980 are moving quickly at 29 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 22980 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 22980 can comfortably use conventional financing. The median home price of $332,243 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 22980 are set at the county level.
2026 Loan Limits — Waynesboro city
| 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 22980
To purchase the median home at $332,243 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,696.
Monthly Payment
$2,696
Income Required
$115,523
Principal & Interest
$2,047/mo
Down Payment (5%)
$16,612
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 22980.
Estimated Monthly Payment
$2,206
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