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Sperryville CDP, VA

ZIP 22740 — 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 22740

Median Home Value
$398,800
Median Rent
$1,150
Affordability Snapshot
$110,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,562/mo PITI).

14%
Rent-to-Income Ratio

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

4.1x
Home Price-to-Income Ratio

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

28.9 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 22740 in Sperryville CDP, VA, a household would need roughly $110,000 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 $2,562. That is roughly in line with the local median household income ($96,220). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 37% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.8%+17% vs US avg
x
Vacancy Rate
36.5%+255% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
6.7%-55% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.4%-37% vs US avg
x
Mortgage-Free
62.3%+63% vs US avg
x
$398,800
Home Value
$1,150
Rent
1976
Year Built
2001
Moved In

Residents have lived here since ~2001 on average

Housing Structure

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

  • 1-unit detached94.3%
  • 1-unit attached1.0%
  • 2-9 units4.6%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$398,800
Median rent$1,150
Owner-occupied76.8%
Vacant36.5%
Price-to-income4.1x
Est. income to buy$110,000