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Fredericksburg city, VA

ZIP 22401 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 22401

Median Home Value
$461,600
Median Rent
$1,381
Affordability Snapshot
$127,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,965/mo PITI).

19%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

27.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 22401 in Fredericksburg city, VA, a household would need roughly $127,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,965. That is about 49% above the local median household income ($85,432), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
41.6%-36% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
91.9%+6% vs US avg
x
4+ Bedrooms
6.5%-56% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
26.1%-48% vs US avg
x
Mortgage-Free
28.4%-26% vs US avg
x
$461,600
Home Value
$1,381
Rent
1985
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached40.2%
  • 1-unit attached12.6%
  • 2-9 units14.2%
  • 10+ units32.6%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$461,600
Median rent$1,381
Owner-occupied41.6%
Vacant7.0%
Price-to-income5.4x
Est. income to buy$127,000