23103 — Goochland County, Virginia Market Snapshot
Housing market data for zip code 23103 in Goochland County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
53 sales in 2026 (year to date)
Median Sale Price
$966,505
Days to Sell
5
Homes Sold
53
Inventory
25
Sale-to-List
108.4%
New Listings
54
Price/SqFt
$282
Pending Sales
46
Above Conforming Limit Estimate
At 5% down, the estimated base loan for the $966,505 median-priced home in 23103 is $918,180. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $85,430 above the limit. A base loan at or below the limit would require at least 13.9% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 23103 is 5 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 23103 is 108.4%, or 8.4% above the last list price. This aggregate does not predict the sale price or appraisal for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $966,505 median-priced home in 23103 is $918,180. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. The estimated base loan is $85,430 above the limit. A base loan at or below the limit would require at least 13.9% down before financed costs. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 23103 are set at the county level.
2026 Loan Limits — Goochland County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $707,250 |
| 2 Units | $1,066,250 | $905,400 |
| 3 Units | $1,288,800 | $1,094,450 |
| 4 Units | $1,601,750 | $1,360,100 |
Affordability Snapshot — Zip 23103
To purchase the median home at $966,505 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $7,938.
Monthly Payment
$7,938
Income Required
$340,184
Principal & Interest
$5,955/mo
Property Tax
$1,450/mo
Home Insurance
$150/mo
Estimated PMI
$383/mo
Down Payment (5%)
$48,325
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 23103.
Estimated Monthly Payment
$6,131
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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