Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$419,890+2.6% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 18% have cut their price
Income needed to buy, per year$91,023About 1.0× the local median income ($87,062): a stretch for a typical household
Days on market79 daysAbout the same pace as a year ago
The typical home in Louisa County, VA is worth $419,890, up 2.6% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $386,779, so the area is 8.6% overvalued. It is a balanced market, leaning toward buyers: homes take about 79 days to sell, listings are up 12% from a year ago, 18% of listings have had a price cut. A household needs about $91,023 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 $87,062. Typical rent is $2,081 a month. In the latest IRS figures, 731 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
$419,890
Change in 1 year
+2.6%
Overvalued %
+8.6%
Show 6 more
Fair home value
$386,779
Change in 5 years
+28.0%
Home value to income
4.8×
Monthly mortgage payment (20% down)
$2,276
Income needed to afford it
$91,023
Property tax rate
0.60%
Rent and investing
Typical rent
$2,081
Price-to-rent ratio
16.8×
HUD Fair Market Rent, 2 bedrooms
$1,291
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Gross rental yield
5.95%
Cap rate (estimate)
3.87%
Market activity
Listings vs a year ago
+11.8%
Days on market
79
Listings with a price cut
18.3%
Show 3 more
Homes for sale
293
Pending sales per 100 listings
38
Asking price per sq ft
$264
People and jobs
Median household income
$87,062
Population change (1 year)
+1.8%
Unemployment rate
5.8%
Show 4 more
Population
42,924
Income adjusted for cost of living
$98,486
Net moves in (IRS)
+731
Cost of living (US = 100)
88.4
Schools, risk and environment
School rating (1 to 10)
6.5
FEMA hazard risk score (0 to 100)
32.2
Flood risk score
38.5
Show 3 more
Wildfire risk score
22.7
Walkability (1 to 20)
4.7
Road, rail and air noise
55 dB
Questions people ask
Is Louisa County, VA overvalued?
Home prices in Louisa County, VA are slightly above what local incomes have historically supported: fair value is about $386,779, so the area is 8.6% overvalued.
Is Louisa County, VA a buyer's or seller's market?
Louisa County, VA is a balanced market, leaning toward buyers: homes take about 79 days to sell, listings are up 12% from a year ago, 18% of listings have had a price cut.
Are home prices going down in Louisa County, VA?
Home values in Louisa County, VA are up 2.6% over the last year.
How much do you need to earn to buy a home in Louisa County, VA?
A household needs about $91,023 a year to afford the typical home in Louisa County, VA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $87,062.