Median home value in zip code 22974 (Troy, VA) is $433,717, up 0.2% year over year. Part of the Charlottesville, VA metropolitan area.

Home Value$433,717

YoY Change

+0.2%

Prices rising — worse for buyers.

Affordability

Enter your income for 22974 (Troy).

Income (annual)

Down Payment

$86,743 on $433,717

Example: $75,000 household income. Change it above to see your own.

Out of reach42% of income

Need $112,414/yr to afford.

PITI$2,623

P/I42%

Afford$289K

Gap-$144K

P&I $2,193Tax $296Ins $133

6.50% 30yr, 20% down, county tax + VA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

22974 is part of the Charlottesville, VA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Charlottesville, VA analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.