Charlottesville, VA Housing Market: Home Prices & Rent
Charlottesville, VA home values since 2000
Last few years
Rent in Charlottesville, VA
Owning vs renting, monthly
Buying the typical Charlottesville, VA home with 20% down at this week's 7.32% 30-year rate costs about $3,131/month (principal, interest plus ~1.5% a year for tax and insurance) vs $2,040/month typical rent.
Rate: Freddie Mac, week of Oct 22, 2026. Estimate for comparison only.
Charlottesville, VA vs Virginia vs the U.S.
| Typical home | 12-month change | Typical rent | |
|---|---|---|---|
| This metro | $464k | +1.3% | $2,040/mo |
| Virginia | $412k | +2.1% | - |
| United States | $366k | +1.2% | $1,932/mo |
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Common questions
Are home prices falling in Charlottesville, VA?
No - the typical Charlottesville, VA-area home value is up 1.3% over the past 12 months, at $464k (September 2026).
Is the Charlottesville, VA housing market crashing?
Home values are close to their 2020s high and up 1.3% over the past year - a rising market, not a sudden collapse. Whether that continues isn't knowable from the data - this page updates every month when new figures come out.
How much is rent in Charlottesville, VA?
Typical rent in the Charlottesville, VA metro is $2,040 a month (September 2026), +1.7% over 12 months.
How much income do you need to buy a home in Charlottesville, VA?
About $124k a year to afford the typical home with 20% down, spending no more than 30% of income on housing (September 2026).
Nearby and similar metros
Washington, VA · Virginia Beach, VA · Richmond, VA · Modesto, CA · Eugene, OR · Worcester, MA · Miami, FL
Sources: Data Provided by Zillow Group (Zillow Home Value Index and Zillow Observed Rent Index, September 2026; income needed and listing data). 30-year mortgage rate: Freddie Mac PMMS. Figures are for the Charlottesville, VA metro area. How we calculate.