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Lovettsville town, VA

ZIP 20180 — Housing & Real Estate

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

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Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 20180

Median Home Value
$629,400
Median Rent
$1,585
Affordability Snapshot
$173,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,043/mo PITI).

12%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

33.1 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 20180 in Lovettsville town, VA, a household would need roughly $173,000 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 $4,043. That is roughly in line with the local median household income ($162,955). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
92.4%+41% vs US avg
x
Vacancy Rate
5.8%-44% vs US avg
x
Broadband Access
95.2%+9% vs US avg
x
4+ Bedrooms
17.0%+15% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
21.1%-57% vs US avg
x
Mortgage-Free
20.1%-47% vs US avg
x
$629,400
Home Value
$1,585
Rent
2000
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached94.7%
  • 1-unit attached3.3%
  • 2-9 units1.3%
  • 10+ units0.4%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$629,400
Median rent$1,585
Owner-occupied92.4%
Vacant5.8%
Price-to-income3.9x
Est. income to buy$173,000