Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$428,315+1.3% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 24% have cut their price
Income needed to buy, per year$92,850About 1.0× the local median income ($95,730): affordable for a typical household
Days on market50 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+2.3%Zillow expects prices to rise slightly
The typical home in Frederick County, VA is worth $428,315, up 1.3% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $401,150, so the area is 6.8% overvalued. It is a buyer's market: homes take about 50 days to sell, listings are up 40% from a year ago, 24% of listings have had a price cut. Zillow expects prices to rise about 2.3% over the next year. A household needs about $92,850 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 $95,730. Typical rent is $1,985 a month, or $2,124 for a house. In the latest IRS figures, 1,395 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
$428,315
Change in 1 year
+1.3%
Overvalued %
+6.8%
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Fair home value
$401,150
Change in 5 years
+19.9%
Zillow forecast, next 12 months
+2.3%
Home value to income
4.5×
Monthly mortgage payment (20% down)
$2,321
Income needed to afford it
$92,850
Property tax rate
0.48%
Rent and investing
Typical rent
$1,985
Typical rent for houses
$2,124
Price-to-rent ratio
18.0×
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HUD Fair Market Rent, 2 bedrooms
$1,505
Gross rental yield
5.56%
Cap rate (estimate)
3.61%
Market activity
Listings vs a year ago
+39.6%
Days on market
50
Listings with a price cut
24.3%
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Homes for sale
423
Pending sales per 100 listings
35
Asking price per sq ft
$214
People and jobs
Median household income
$95,730
Population change (1 year)
+1.8%
Unemployment rate
4.2%
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Population
99,955
Income adjusted for cost of living
$99,202
Net moves in (IRS)
+1,395
Cost of living (US = 100)
96.5
Schools, risk and environment
School rating (1 to 10)
5.0
FEMA hazard risk score (0 to 100)
44.7
Unhealthy air days a year
0
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Flood risk score
60.0
Wildfire risk score
57.8
Walkability (1 to 20)
5.5
Road, rail and air noise
56 dB
Questions people ask
Is Frederick County, VA overvalued?
Home prices in Frederick County, VA are slightly above what local incomes have historically supported: fair value is about $401,150, so the area is 6.8% overvalued.
Is Frederick County, VA a buyer's or seller's market?
Frederick County, VA is a buyer's market: homes take about 50 days to sell, listings are up 40% from a year ago, 24% of listings have had a price cut.
Are home prices going down in Frederick County, VA?
Home values in Frederick County, VA are up 1.3% over the last year. Zillow's forecast for the next 12 months is +2.3%.
How much do you need to earn to buy a home in Frederick County, VA?
A household needs about $92,850 a year to afford the typical home in Frederick County, VA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $95,730.