ZIP Code 22902 — Charlottesville, VA Home Prices (2026)
The typical home in ZIP 22902 (Charlottesville, Virginia) is worth about $488,000 at roughly $286 per square foot — 8% more affordable than the Charlottesville median and 66% more expensive than the typical U.S. home.
How 22902 compares
ZIP 22902 is one of the more affordable ZIP codes in Charlottesville: its typical home value of $488,000 ranks #4 of the 4 Charlottesville ZIP codes we track (the citywide range runs from $488,000 in 22902 to $542,000 in 22903). Per square foot it costs about $286, against $278 for Charlottesville as a whole, $221 for Virginia, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 22902 | $488,000 | $286 |
| Charlottesville, VA | $530,000 | $278 |
| Virginia | $342,000 | $221 |
| United States | $294,000 | $195 |
Home value by size in 22902
Using this ZIP’s rate of about $286 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $286,000 |
| 1,500 sq ft | $429,000 |
| 2,000 sq ft | $572,000 |
| 2,500 sq ft | $715,000 |
| 3,000 sq ft | $858,000 |
Salary needed to buy a home in ZIP 22902
To buy the typical $488,000 home in ZIP 22902 with 20% down, you need a household income of roughly $133,000 a year (about $3,100 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $158,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $24,400 | $3,850/mo | $165,000/yr |
| 10% (+PMI) | $48,800 | $3,680/mo | $158,000/yr |
| 20% | $97,600 | $3,100/mo | $133,000/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 ZIP 22902
At about $286 per square foot, here is roughly how much home different budgets get you in ZIP 22902:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 870 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1050 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1400 sq ft | around the typical home here |
| $500k | 1750 sq ft | around the typical home here |
| $600k | 2100 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 pre-filled with a typical 22902 home.
Estimate a specific home in 22902
The estimator below is pre-set to ZIP 22902 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Charlottesville ZIP codes by home value
Where 22902 sits among Charlottesville’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 22903 | $542,000 | $285 |
| 2 | 22901 | $538,000 | $271 |
| 3 | 22911 | $522,000 | $261 |
| 4 | 22902 (this page) | $488,000 | $286 |
ZIP 22902 home prices: frequently asked
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See the full Charlottesville home values page, all Virginia cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.