Frederick County, VA Average Home Price (2026)
The average home price in Frederick County, Virginia is about $435,000 (the 2026 median across 9 ZIP codes, at ~$221/sq ft) — 29% more expensive than the Virginia median and 51% more expensive than the typical U.S. home.
How Frederick County compares
Frederick County is relatively expensive for housing nationally: its typical home costs $435,000 against $336,500 for Virginia and $289,000 for the U.S. Within the county, ZIP-level values run from about $404,000 to $490,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Frederick County | $435,000 | $221 |
| Virginia | $336,500 | $221 |
| United States | $289,000 | $193 |
Cities in Frederick County
Cities with their own home-value page, largest first:
Frederick County home prices by ZIP code
The 9 most valuable ZIP codes in Frederick County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 22624 Clear Brook | $490,000 | $291 | +13% |
| 22656 Stephenson | $479,000 | $192 | +10% |
| 22645 Middletown | $450,000 | $248 | +3% |
| 22637 Gore | $437,000 | $221 | +0% |
| 22625 Cross Junction | $435,000 | $214 | +0% |
| 22603 Winchester | $428,000 | $227 | -2% |
| 22654 Star Tannery | $428,000 | $289 | -2% |
| 22602 Winchester | $418,000 | $217 | -4% |
| 22655 Stephens City | $404,000 | $217 | -7% |
Home value appreciation in Frederick County
Home prices in Frederick County have risen about 81% over the last 10 years (≈6.1% a year) and +46.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.5% — still rising. A home worth $435,000 today was worth roughly $239,802 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 Frederick County
Run the numbers for Frederick County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Frederick County
To buy the typical $435,000 home in Frederick County with 20% down, you need a household income of roughly $118,000 a year (about $2,760 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $141,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $21,800 | $3,430/mo | $147,000/yr |
| 10% (+PMI) | $43,500 | $3,280/mo | $141,000/yr |
| 20% | $87,000 | $2,760/mo | $118,000/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 Frederick County
At about $221 per square foot, here is roughly how much home different budgets get you in Frederick County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 900 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1130 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1360 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1810 sq ft | around the typical home here |
| $500k | 2260 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 Frederick County
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Frederick 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.