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ZIP 23541 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 23541

Median Home Value
$197,700
Median Rent
$1,278
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,270/mo PITI).

22%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.9 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 23541, a household would need roughly $54,000 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 $1,270. That sits below the local median household income ($70,510), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
41.8%-36% vs US avg
x
Vacancy Rate
12.6%+22% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
11.7%-9% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.4%-37% vs US avg
x
Mortgage-Free
46.6%+22% vs US avg
x
$197,700
Home Value
$1,278
Rent
1973
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached32.0%
  • 1-unit attached16.2%
  • 2-9 units25.3%
  • 10+ units15.0%
  • Mobile home & other11.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$197,700
Median rent$1,278
Owner-occupied41.8%
Vacant12.6%
Price-to-income2.8x
Est. income to buy$54,000