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Onley town, VA

ZIP 23418 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 23418

Median Home Value
$250,000
Median Rent
$726
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,606/mo PITI).

15%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

28.7 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 23418 in Onley town, VA, a household would need roughly $69,000 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 $1,606. That is about 21% above the local median household income ($57,083), 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

Vacancy rate 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.3%+18% vs US avg
x
Vacancy Rate
30.1%+193% vs US avg
x
Broadband Access
92.7%+6% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
14.1%-72% vs US avg
x
Mortgage-Free
32.2%-16% vs US avg
x
$250,000
Home Value
$726
Rent
1974
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached77.2%
  • 1-unit attached0.0%
  • 2-9 units2.5%
  • 10+ units2.9%
  • Mobile home & other17.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$250,000
Median rent$726
Owner-occupied77.3%
Vacant30.1%
Price-to-income4.4x
Est. income to buy$69,000