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, VA

ZIP 23964 — 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 23964

Median Home Value
$128,600
Median Rent
$490
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$826/mo PITI).

10%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.9 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 23964 in VA, a household would need roughly $35,000 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 $826. That sits below the local median household income ($61,394), 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 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.1%+18% vs US avg
x
Vacancy Rate
28.7%+179% vs US avg
x
Broadband Access
79.8%-8% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
12.6%-2% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
11.0%-78% vs US avg
x
Mortgage-Free
57.5%+51% vs US avg
x
$128,600
Home Value
$490
Rent
1976
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached75.4%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units1.4%
  • Mobile home & other23.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$128,600
Median rent$490
Owner-occupied77.1%
Vacant28.7%
Price-to-income2.1x
Est. income to buy$35,000