Nelson County, VA Average Home Price (2026)
The average home price in Nelson County, Virginia is about $313,500 (the 2026 median across 12 ZIP codes, at ~$228/sq ft) — 7% more affordable than the Virginia median and 8% more expensive than the typical U.S. home.
How Nelson County compares
Nelson County is about average for housing nationally: its typical home costs $313,500 against $336,500 for Virginia and $289,000 for the U.S. Within the county, ZIP-level values run from about $203,000 to $576,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Nelson County | $313,500 | $228 |
| Virginia | $336,500 | $221 |
| United States | $289,000 | $193 |
Nelson County home prices by ZIP code
The 12 most valuable ZIP codes in Nelson County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 22958 Wintergreen | $576,000 | $283 | +84% |
| 22920 Afton | $466,000 | $385 | +49% |
| 22967 Roseland | $412,000 | $274 | +31% |
| 22938 Faber | $368,000 | $242 | +17% |
| 24464 Tyro | $358,000 | $188 | +14% |
| 22949 Lovingston | $315,000 | $143 | +0% |
| 24581 Norwood | $312,000 | $164 | +0% |
| 22976 Tyro | $279,000 | $338 | -11% |
| 22969 Schuyler | $272,000 | $221 | -13% |
| 22971 Lovingston | $255,000 | $193 | -19% |
| 22922 Arrington | $241,000 | $235 | -23% |
| 22964 Piney River | $203,000 | $107 | -35% |
Home value appreciation in Nelson County
Home prices in Nelson County have risen about 81% over the last 10 years (≈6.1% a year) and +79.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.0% — still rising. A home worth $313,500 today was worth roughly $173,684 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 Nelson County
Run the numbers for Nelson County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Nelson County
To buy the typical $313,500 home in Nelson County with 20% down, you need a household income of roughly $85,000 a year (about $1,990 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $101,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $15,700 | $2,470/mo | $106,000/yr |
| 10% (+PMI) | $31,400 | $2,360/mo | $101,000/yr |
| 20% | $62,700 | $1,990/mo | $85,000/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 Nelson County
At about $228 per square foot, here is roughly how much home different budgets get you in Nelson County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 660 sq ft | below the local median — condos, smaller or older homes |
| $200k | 880 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1100 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1320 sq ft | around the typical home here |
| $400k | 1750 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 Nelson County
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Nelson 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.