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Charles City CDP, VA

ZIP 23030 — 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 23030

Median Home Value
$237,500
Median Rent
$681
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,526/mo PITI).

11%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

29.1 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 23030 in Charles City CDP, VA, a household would need roughly $65,000 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 $1,526. That sits below the local median household income ($72,917), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
85.7%+31% vs US avg
x
Vacancy Rate
11.6%+13% vs US avg
x
Broadband Access
71.0%-18% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
1.5%-79% vs US avg
x
Rent Burden >30%
27.8%-44% vs US avg
x
Mortgage-Free
46.5%+22% vs US avg
x
$237,500
Home Value
$681
Rent
1990
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached84.2%
  • 1-unit attached1.0%
  • 2-9 units2.2%
  • 10+ units0.9%
  • Mobile home & other11.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$237,500
Median rent$681
Owner-occupied85.7%
Vacant11.6%
Price-to-income3.3x
Est. income to buy$65,000