Real Estate Investing in Lovettsville, Virginia (20180)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Loudoun County • Population: 7,791 • Data updated: September 2026

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Should you buy in 20180 (Lovettsville, VA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (59/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High price-to-rent: Price-to-rent ratio 31.9 — hard to cash-flow at these prices.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Lovettsville, VA (20180)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $798,266
Avg Monthly Rent $2,088
1% Rule ✗ Does Not Meet
Median Income $152,768
% Renters 8.6%

Market Analysis: 20180 Lovettsville

The 20180 ZIP in Lovettsville, VA is a local-operator market. Outside capital chasing a $798K entry has to pair deep knowledge with the discount.

The 20180 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Statewide comparisons place 20180 among VA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Employment concentration in 20180 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Strategy in 20180 is an operator game, not a passive one. Put differently, entry prices of $798K are inviting, the management lift is real and non-optional.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Lovettsville:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
18/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.2× the median income
Value Trend
Rising (+5.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,088/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
🏠

Property Strategy for 20180

Which property type performs best in this market?

Best for Cash Flow
2BR
3.2% cap rate
Best for Appreciation
5BR
+8.1% 5yr CAGR
Best Overall Value
5BR
$196,391/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $517,453 $2,320 3.2% +5.4% $258,726
3BR $661,230 $2,930 3.2% +7.0% $220,410
4BR $819,270 $3,440 3.0% +7.2% $204,818
5BR $981,954 +8.1% $196,391

Market Trends

Home Value History (with trend line)

$833K$733K$633K$533K$433K$332KJul 2006Jul 2016Jul 2026

📊 How Does 20180 Compare?

Metric 20180 Lovettsville Virginia
Home Value $798,266 $798,266 $403,170
5-Year CAGR 4.7% 4.7% 6.4%
Avg Rent $2,088 $2,088 -
Cap Rate 2.0% 2.0% -
💡 Why Invest in 20180? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 20180 (Lovettsville, VA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.0%
Low
5yr Growth
+4.7%
Moderate

📊 Market Snapshot

Home Value $798,266
Monthly Rent $2,088
Price-to-Rent 31.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.1%
Cap Rate 2.0%
5-Year IRR 6.7%

📈 Home Appreciation

1-Year +5.1% ▲
3-Year CAGR +4.3% ▲
5-Year CAGR +4.7% ▲
10-Year CAGR +5.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.0%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
6.4%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 20180

Population: 7,791

💰 Median Household Income
$152,768
This area
$152,768
State
$80,295
USA
$74,580
🏠 Renter Occupied
8.6%
This area
8.6%
State
25.7%
USA
34.0%
💼 Unemployment Rate
3.7%
This area
3.7%
State
-18.5%
USA
3.7%
🎓 College Educated
55.1%
This area
55.1%
State
4.0%
USA
33.7%
👤 Median Age
43.5 years
This area
43.5 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
6.4%
This area
6.4%
State
16.4%
USA
10.5%
👥 Population by Ethnicity
White 83.8%
Other/Mixed 6.2%
Asian 5.3%
Black/African American 4.7%
Hispanic/Latino 3.4%
👶 Under 18
23.9%
This area
23.9%
USA
22.0%
👴 65 and Over
14.2%
This area
14.2%
USA
17.3%
📊 Poverty Rate
1.7%
This area
1.7%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 20180

A+ Avg School Grade
1 Schools
12.6:1 Avg Class Size
$20,784 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Lovettsville Elementary

📚 Pre-K – 05 Elementary
👥
509 Students
👨‍🏫
12.6:1 Class Size
💰
$20,784 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

4 Nearby 497 Off-Campus Students
C+
Patrick Henry College
408 students · 9.4 mi
C
Catholic Distance University
171 students · 11.9 mi
C+
American Public University System
50,187 students · 12.0 mi
C+
Shepherd University
3,318 students · 14.5 mi

Frequently Asked Questions

Is real estate in Lovettsville, VA a good investment right now?

Lovettsville, VA comes in at an investability rating of 3.0/5, with median home values near $798K and average rents around $2,088/mo. That combination puts it in the solid tier for investor interest.

What do rentals go for in Lovettsville, VA?

Expect rents around $2,088/mo per month in Lovettsville, VA. With home values at $798K, the yield math works out to reasonable levels for rental investors.

What is the typical home price in Lovettsville, VA?

Lovettsville, VA median home values land near $798K. That is reasonable territory for investors looking at $2,088/mo-per-month rentals.

How quickly do rentals get leased in Lovettsville, VA?

Lovettsville, VA vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

What is the best play in Lovettsville, VA?

A careful cash-flow rentals with hands-on management strategy Lovettsville, VA best. The market produces even-keeled results for that approach at the $798K price point.

You know 20180 now. You don’t know where it ranks.

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How 20180 ranks in Washington-Arlington-Alexandria, DC-VA-MD-WV

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Cash Flow → Appreciation → Affordable →
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