Stephens City, VA—22655
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Stephens City, VA
As of Oct '25, the median home price in Stephens City, VA is $401,000, with a year-over-year change of 1.4%. This indicates that home prices in Stephens City, VA are increasing. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $401,000 | 1.4% |
| Single Family | $404,000 | 1.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $242,000 | 1.7% |
3 Bed | $363,000 | 0.8% |
4 Bed | $486,000 | 0.6% |
| 5 Bed | $539,000 | 0.2% |
% of Housing Stock
Rental Trends — Stephens City, VA
As of July '25, Rentcast reports the average rent in Stephens City, VA is $2,100, with a year-over-year rent change of -3.2%. Per bedroom, the median rent as of July '25 in Stephens City, VA is 1-bedrooms: $1,020, 2-bedrooms: $1,550, 3-bedrooms: $2,180, 4-bedrooms: $2,620. The most common rental property sizes in Stephens City, VA are 3-bedroom and 2-bedroom, accounting for 43.2% and 31.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,100 | $2,100 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $950 | $1,020 |
| 2 Bed Rent | $1,500 | $1,550 |
| 3 Bed Rent | $2,100 | $2,180 |
| 4 Bed Rent | $2,600 | $2,620 |
% of Rental Stock
Property Listings — Stephens City, VA
As of Oct '25, Realtor.com reports that the median days on market for a home in Stephens City, VA is 35. This is a decrease of -4.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 28.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $465,000 | 5.0% |
Listing Count | 80 | -2.0% |
| Listings as % of Homes | 0.4% | -2.0% |
Days on Market | 35 | -4.0% |
Demographics — Stephens City, VA
As of the latest ACS Survey released in 2023, Stephens City, VA has a population of 22,400, which has increased by 7.1% over the past 5 years. Stephens City, VA is a popular place for families, as children make up 26.0% of the population. The area has a moderately educated workforce, with 29.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 22,400 | 7.1% |
% Under 18 | 26.0% | 2.4% |
% Seniors | 13.6% | 6.2% |
% WFH | 12.4% | 202.4% |
% w/ College Degree | 29.1% | -5.2% |
As of the latest ACS Survey released in 2023, Stephens City, VA is a predominantly white area, with 76.9% of the population identifying as white. The white population has shrunk by 6.3% in the last 5 years. The second most common race or ethnicity in Stephens City, VA is hispanic, making up 12.0% of the population. Foreign-born residents account for 6.5% of the population in Stephens City, VA, and this percentage has decreased by 1.5% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 76.9% | -6.3% |
% Black | 5.5% | 10.0% |
% Hispanic | 12.0% | 55.8% |
% Asian | 1.1% | -15.4% |
% Foreign Born | 6.5% | -1.5% |
Mortgage and Risk — Stephens City, VA
According to HUD data as of 2023, there were 682 mortgage originations in Stephens City, VA, of which 74.0% of loans were conventional mortgages. The average loan-to-value was 62.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Stephens City, VA. Investor activity is low, as 1.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 682 |
% Conventional Loans | 74.0% |
% Government Loans | 26.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Stephens City, VA
As of 2024, the percent of homes in Stephens City, VA under the Section 8 program is 3.5%. 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 Stephens City, 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 | 64 |
Total Units Section 8 | 64 |
% Rentals under Section 8 | 3.5% |
% Occupied Section 8 | 94.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $440 | $950 | $1,390 |
| 2 Bedroom | $240 | $1,500 | $1,740 |
| 3 Bedroom | $60 | $2,100 | $2,160 |
| 4 Bedroom | $320 | $2,600 | $2,920 |
Affordability — Stephens City, VA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $401,000 |
| Median Household Income | $106,000 |