US5.com
  1. Home
  2. States
  3. Virginia
  4. ZIP 23838
  5. Housing & Real Estate
, VA

ZIP 23838 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 23838

Median Home Value
$431,400
Median Rent
$1,144
Affordability Snapshot
$119,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,771/mo PITI).

11%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

31.4 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 23838 in VA, a household would need roughly $119,000 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 $2,771. That is roughly in line with the local median household income ($130,376). 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
96.0%+47% vs US avg
x
Vacancy Rate
2.3%-78% vs US avg
x
Broadband Access
96.7%+11% vs US avg
x
4+ Bedrooms
12.6%-15% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
8.5%-83% vs US avg
x
Mortgage-Free
30.3%-21% vs US avg
x
$431,400
Home Value
$1,144
Rent
1998
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached99.1%
  • 1-unit attached0.3%
  • 2-9 units0.5%
  • 10+ units0.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$431,400
Median rent$1,144
Owner-occupied96.0%
Vacant2.3%
Price-to-income3.3x
Est. income to buy$119,000