Albemarle County, VA Average Home Price (2026)
The average home price in Albemarle County, Virginia is about $528,000 (the 2026 median across 12 ZIP codes, at ~$269/sq ft) — 57% more expensive than the Virginia median and 83% more expensive than the typical U.S. home.
How Albemarle County compares
Albemarle County is relatively expensive for housing nationally: its typical home costs $528,000 against $336,500 for Virginia and $289,000 for the U.S. Within the county, ZIP-level values run from about $298,000 to $813,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Albemarle County | $528,000 | $269 |
| Virginia | $336,500 | $221 |
| United States | $289,000 | $193 |
Cities in Albemarle County
Cities with their own home-value page, largest first:
Albemarle County home prices by ZIP code
The 12 most valuable ZIP codes in Albemarle County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 22947 Keswick | $813,000 | $257 | +54% |
| 22936 Earlysville | $643,000 | $245 | +22% |
| 22940 Free Union | $617,000 | $305 | +17% |
| 22932 Crozet | $600,000 | $275 | +14% |
| 22903 Charlottesville | $529,000 | $278 | +0% |
| 22959 North Garden | $529,000 | $368 | +0% |
| 22901 Charlottesville | $527,000 | $263 | +0% |
| 22911 Charlottesville | $511,000 | $259 | -3% |
| 22902 Charlottesville | $477,000 | $278 | -10% |
| 22923 Barboursville | $434,000 | $235 | -18% |
| 22931 Covesville | $392,000 | $330 | -26% |
| 22937 Esmont | $298,000 | $261 | -44% |
Home value appreciation in Albemarle County
Home prices in Albemarle County have risen about 76% over the last 10 years (≈5.8% a year) and +77.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.5% — still rising. A home worth $528,000 today was worth roughly $300,000 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Virginia is +74.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Albemarle County
Run the numbers for Albemarle County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Albemarle County
To buy the typical $528,000 home in Albemarle County with 20% down, you need a household income of roughly $144,000 a year (about $3,350 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $171,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $26,400 | $4,170/mo | $179,000/yr |
| 10% (+PMI) | $52,800 | $3,980/mo | $171,000/yr |
| 20% | $105,600 | $3,350/mo | $144,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Albemarle County
At about $269 per square foot, here is roughly how much home different budgets get you in Albemarle County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 930 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1120 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1490 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1860 sq ft | around the typical home here |
| $600k | 2230 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Virginia.
Estimate a specific home in Albemarle County
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Albemarle County home prices: frequently asked
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Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.