Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$372,612+1.1% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 19% have cut their price
Income needed to buy, per year$80,774About 0.9× the local median income ($94,002): affordable for a typical household
Days on market66 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+1.9%Zillow expects prices to rise slightly
The typical home in Fluvanna County, VA is worth $372,612, up 1.1% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $345,203, so the area is 7.9% overvalued. It is a balanced market, leaning toward buyers: homes take about 66 days to sell, listings are up 37% from a year ago, 19% of listings have had a price cut. Zillow expects prices to rise about 1.9% over the next year. A household needs about $80,774 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $94,002. In the latest IRS figures, 83 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$372,612
Change in 1 year
+1.1%
Overvalued %
+7.9%
Show 7 more
Fair home value
$345,203
Change in 5 years
+24.6%
Zillow forecast, next 12 months
+1.9%
Home value to income
4.0×
Monthly mortgage payment (20% down)
$2,019
Income needed to afford it
$80,774
Property tax rate
0.63%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,642
Market activity
Listings vs a year ago
+36.7%
Days on market
66
Listings with a price cut
19.1%
Show 3 more
Homes for sale
149
Pending sales per 100 listings
39
Asking price per sq ft
$216
People and jobs
Median household income
$94,002
Population change (1 year)
+0.6%
Unemployment rate
4.2%
Show 4 more
Population
28,975
Income adjusted for cost of living
$94,856
Net moves in (IRS)
+83
Cost of living (US = 100)
99.1
Schools, risk and environment
School rating (1 to 10)
5.4
FEMA hazard risk score (0 to 100)
13.5
Flood risk score
26.1
Show 3 more
Wildfire risk score
16.3
Walkability (1 to 20)
5.5
Road, rail and air noise
54 dB
Questions people ask
Is Fluvanna County, VA overvalued?
Home prices in Fluvanna County, VA are slightly above what local incomes have historically supported: fair value is about $345,203, so the area is 7.9% overvalued.
Is Fluvanna County, VA a buyer's or seller's market?
Fluvanna County, VA is a balanced market, leaning toward buyers: homes take about 66 days to sell, listings are up 37% from a year ago, 19% of listings have had a price cut.
Are home prices going down in Fluvanna County, VA?
Home values in Fluvanna County, VA are up 1.1% over the last year. Zillow's forecast for the next 12 months is +1.9%.
How much do you need to earn to buy a home in Fluvanna County, VA?
A household needs about $80,774 a year to afford the typical home in Fluvanna County, VA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $94,002.