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Central Garage CDP, VA

ZIP 23009 — 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 23009

Median Home Value
$281,700
Median Rent
$1,057
Affordability Snapshot
$78,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,810/mo PITI).

14%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

22.2 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 23009 in Central Garage CDP, VA, a household would need roughly $78,000 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 $1,810. That sits below the local median household income ($91,923), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
90.9%+39% vs US avg
x
Vacancy Rate
3.4%-67% vs US avg
x
Broadband Access
81.3%-7% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
40.0%-20% vs US avg
x
Mortgage-Free
24.1%-37% vs US avg
x
$281,700
Home Value
$1,057
Rent
1997
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 detached93.6%
  • 1-unit attached1.6%
  • 2-9 units0.0%
  • 10+ units4.1%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$281,700
Median rent$1,057
Owner-occupied90.9%
Vacant3.4%
Price-to-income3.1x
Est. income to buy$78,000