Bedford County, VA Average Home Price (2026)
The average home price in Bedford County, Virginia is about $316,000 (the 2026 median across 14 ZIP codes, at ~$212/sq ft) — 6% more affordable than the Virginia median and 9% more expensive than the typical U.S. home.
How Bedford County compares
Bedford County is about average for housing nationally: its typical home costs $316,000 against $336,500 for Virginia and $289,000 for the U.S. Within the county, ZIP-level values run from about $196,000 to $560,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Bedford County | $316,000 | $212 |
| Virginia | $336,500 | $221 |
| United States | $289,000 | $193 |
Bedford County home prices by ZIP code
The 14 most valuable ZIP codes in Bedford County (of 14 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 24121 Moneta | $560,000 | $289 | +77% |
| 24104 Huddleston | $518,000 | $311 | +64% |
| 24570 Lowry | $513,000 | $270 | +62% |
| 24551 Forest | $427,000 | $195 | +35% |
| 24556 Goode | $421,000 | $245 | +33% |
| 24503 Lynchburg | $373,000 | $183 | +18% |
| 24095 Goodview | $317,000 | $248 | +0% |
| 24064 Blue Ridge | $315,000 | $194 | +0% |
| 24179 Vinton | $287,000 | $173 | -9% |
| 24523 Bedford | $287,000 | $211 | -9% |
| 24536 Coleman Falls | $287,000 | $255 | -9% |
| 24122 Montvale | $251,000 | $189 | -21% |
| 24174 Thaxton | $222,000 | $193 | -30% |
| 24526 Big Island | $196,000 | $212 | -38% |
Home value appreciation in Bedford County
Home prices in Bedford County have risen about 73% over the last 10 years (≈5.6% a year) and +89.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.6% — still rising. A home worth $316,000 today was worth roughly $182,448 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 Bedford County
Run the numbers for Bedford County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Bedford County
To buy the typical $316,000 home in Bedford County with 20% down, you need a household income of roughly $86,000 a year (about $2,010 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $102,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $15,800 | $2,490/mo | $107,000/yr |
| 10% (+PMI) | $31,600 | $2,380/mo | $102,000/yr |
| 20% | $63,200 | $2,010/mo | $86,000/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 Bedford County
At about $212 per square foot, here is roughly how much home different budgets get you in Bedford County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 710 sq ft | below the local median — condos, smaller or older homes |
| $200k | 940 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1180 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1420 sq ft | around the typical home here |
| $400k | 1890 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 Bedford County
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Bedford County home prices: frequently asked
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Browse all Virginia cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.