Lovingston, VA—22971
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Lovingston, VA
Home Price Trends — Lovingston, VA
As of Oct '25, the median home price in Lovingston, VA is $246,000, with a year-over-year change of 0.3%. This indicates that home prices in Lovingston, VA are flat. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $246,000 | 0.3% |
| Single Family | $246,000 | 1.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $200,000 | 2.0% |
3 Bed | $260,000 | 1.6% |
4 Bed | $384,000 | 4.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Lovingston, VA
Lovingston, VA lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Lovingston, VA
As of Oct '25, Realtor.com reports that the median days on market for a home in Lovingston, VA is 136. This is a increase of 247.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $387,000 | 86.0% |
Listing Count | 5 | 67.0% |
| Listings as % of Homes | 0.3% | 67.0% |
Days on Market | 136 | 247.0% |
Demographics — Lovingston, VA
As of the latest ACS Survey released in 2023, Lovingston, VA has a population of 2,350, which has increased by 56.1% over the past 5 years. Lovingston, VA is a moderately popular place for families, as children make up 20.1% of the population. The area has a poorly educated workforce, with 14.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,350 | 56.1% |
% Under 18 | 20.1% | 11.0% |
% Seniors | 14.7% | 5.0% |
% WFH | 9.6% | -14.3% |
% w/ College Degree | 14.5% | -25.6% |
As of the latest ACS Survey released in 2023, Lovingston, VA is a predominantly white area, with 71.2% of the population identifying as white. The white population has shrunk by 6.7% in the last 5 years. The second most common race or ethnicity in Lovingston, VA is black, making up 13.2% of the population. Foreign-born residents account for 7.2% of the population in Lovingston, VA, and this percentage has increased by 12.5% 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 | 71.2% | -6.7% |
% Black | 13.2% | 97.0% |
% Hispanic | 12.5% | -19.4% |
% Asian | 0.0% | N/A |
% Foreign Born | 7.2% | 12.5% |
Mortgage and Risk — Lovingston, VA
According to HUD data as of 2023, there were 44 mortgage originations in Lovingston, VA, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 16.0% above 90% LTV (elevated). This implies medium mortgage risk in Lovingston, VA. Investor activity is low, as 0.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 44 |
% Conventional Loans | 77.0% |
% Government Loans | 23.0% |
% Investor Loans | 0.0% |
% Second Loans | 5.0% |
% Cash Out Refinance | 18.0% |
Loan Activity
Rentals and Section 8 — Lovingston, VA
Lovingston, VA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 9 |
Total Units Section 8 | 9 |
% Rentals under Section 8 | 5.4% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,280 |
| 2 Bedroom | N/A | N/A | $1,520 |
| 3 Bedroom | N/A | N/A | $1,910 |
| 4 Bedroom | N/A | N/A | $2,350 |
Affordability — Lovingston, VA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.9 |
| Median Home Price | $246,000 |
| Median Household Income | $76,200 |