Stafford, VA—22554
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Stafford, VA
Home Price Trends — Stafford, VA
As of Oct '25, the median home price in Stafford, VA is $561,000, with a year-over-year change of 2.1%. This indicates that home prices in Stafford, VA are increasing. According to Zillow, the 1-year price projection is -0.2%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $561,000 | 2.1% |
| Single Family | $566,000 | 1.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $352,000 | 2.0% |
3 Bed | $447,000 | 2.3% |
4 Bed | $598,000 | 1.5% |
| 5 Bed | $689,000 | 0.7% |
% of Housing Stock
Rental Trends — Stafford, VA
As of July '25, Rentcast reports the average rent in Stafford, VA is $2,840, with a year-over-year rent change of 9.7%. Per bedroom, the median rent as of July '25 in Stafford, VA is 1-bedrooms: $1,480, 2-bedrooms: $1,990, 3-bedrooms: $2,660, 4-bedrooms: $3,180. The most common rental property sizes in Stafford, VA are 3-bedroom and 2-bedroom, accounting for 39.5% and 25.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,850 | $2,840 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,500 | $1,480 |
| 2 Bed Rent | $1,900 | $1,990 |
| 3 Bed Rent | $2,700 | $2,660 |
| 4 Bed Rent | $3,200 | $3,180 |
% of Rental Stock
Property Listings — Stafford, VA
As of Oct '25, Realtor.com reports that the median days on market for a home in Stafford, VA is 41. This is a increase of 21.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 36.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $622,000 | 0.0% |
Listing Count | 247 | 36.0% |
| Listings as % of Homes | 0.7% | 36.0% |
Days on Market | 41 | 21.0% |
Demographics — Stafford, VA
As of the latest ACS Survey released in 2023, Stafford, VA has a population of 64,600, which has increased by 15.3% over the past 5 years. Stafford, VA is a popular place for families, as children make up 27.3% of the population. The area has a highly educated workforce, with 45.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 21.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 64,600 | 15.3% |
% Under 18 | 27.3% | -1.1% |
% Seniors | 8.8% | 18.9% |
% WFH | 21.1% | 348.9% |
% w/ College Degree | 45.4% | 6.3% |
As of the latest ACS Survey released in 2023, Stafford, VA is a predominantly white area, with 44.1% of the population identifying as white. The white population has shrunk by 22.1% in the last 5 years. The second most common race or ethnicity in Stafford, VA is black, making up 26.4% of the population. Foreign-born residents account for 15.2% of the population in Stafford, VA, and this percentage has increased by 46.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 44.1% | -22.1% |
% Black | 26.4% | 34.0% |
% Hispanic | 16.6% | 10.7% |
% Asian | 4.6% | 12.2% |
% Foreign Born | 15.2% | 46.2% |
Mortgage and Risk — Stafford, VA
According to HUD data as of 2023, there were 1496 mortgage originations in Stafford, VA, of which 55.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 46.0% above 90% LTV (very high). This implies large mortgage risk in Stafford, VA. Investor activity is low, as 1.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,496 |
% Conventional Loans | 55.0% |
% Government Loans | 45.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Stafford, VA
As of 2024, the percent of homes in Stafford, VA under the Section 8 program is 5.9%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Stafford, VA, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 257 |
Total Units Section 8 | 251 |
% Rentals under Section 8 | 5.9% |
% Occupied Section 8 | 88.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $520 | $1,500 | $2,020 |
| 2 Bedroom | $370 | $1,900 | $2,270 |
| 3 Bedroom | $140 | $2,700 | $2,840 |
| 4 Bedroom | $150 | $3,200 | $3,350 |
Affordability — Stafford, VA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $561,000 |
| Median Household Income | $148,000 |