22974 — Louisa County, Virginia Market Snapshot
Housing market data for zip code 22974 in Louisa County, Virginia. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$523,000
Days to Sell
10
Homes Sold
10
Inventory
9
Sale-to-List
96.6%
New Listings
24
Price/SqFt
$237
Pending Sales
15
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $523,000 median-priced home in 22974 is $496,850. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. 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 22974 is 10 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 22974 is 96.6%, or 3.4% below the last list price. This aggregate does not predict negotiation results for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $523,000 median-priced home in 22974 is $496,850. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 22974 are set at the county level.
2026 Loan Limits — Louisa County
| 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 22974
To purchase the median home at $523,000 with 5% down at the assumed 6.75% rate, the estimated monthly payment is approximately $4,364.
Monthly Payment
$4,364
Income Required
$187,032
Principal & Interest
$3,223/mo
Property Tax
$785/mo
Home Insurance
$150/mo
Estimated PMI
$207/mo
Down Payment (5%)
$26,150
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 22974.
Estimated Monthly Payment
$3,387
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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