Real Estate Investing in Waterford, Virginia (20197)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 20197 (Waterford, VA)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Higher unemployment: 7.4% unemployment — tenant risk signal.
- High price-to-rent: Price-to-rent ratio 52.7 — 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 Waterford, VA (20197)?
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Market Analysis: 20197 Waterford
This part of Loudoun County is not an easy win. The 20197 ZIP posts softness in key indicators, and the playbook that works in cleaner markets often stalls here.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $1.3M asset, 20197 is the wrong submarket. If the plan prices in friction, the yield can still work.
The gap between 20197 and stronger Waterford ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
In practical terms, 2,212 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
New investors are better served looking at Waterford's stable or hybrid ZIPs before stepping into 20197. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Waterford:
Property Strategy for 20197
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $894,745 | $2,910 | 2.3% | +9.0% | $298,248 |
| 4BR | $1,267,059 | $3,420 | 1.9% | +9.7% | $316,765 |
| 5BR | $1,462,486 | — | — | +9.8% | $292,497 |
Market Trends
Home Value History (with trend line)
📊 How Does 20197 Compare?
| Metric | 20197 | Waterford | Virginia |
|---|---|---|---|
| Home Value | $1,309,612 | $1,299,953 | $403,170 |
| 5-Year CAGR | 6.7% | 7.0% | 6.4% |
| Avg Rent | $2,070 | $2,174 | - |
| Cap Rate | 1.2% | 1.3% | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 20197 (Waterford, VA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $1,309,612 |
| Monthly Rent | $2,070 |
| Price-to-Rent | 52.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 1.9% |
| Cap Rate | 1.2% |
| 5-Year IRR | 7.9% |
📈 Home Appreciation
| 1-Year | +4.7% ▲ |
| 3-Year CAGR | +5.9% ▲ |
| 5-Year CAGR | +6.7% ▲ |
| 10-Year CAGR | +6.7% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.2%). 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.
Demographics in 20197
Population: 2,212
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 20197
Schools in This ZIP Code
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
Frequently Asked Questions
How much do tenants pay in Waterford, VA?
Rent in Waterford, VA is around $2,070/mo. The resulting rent-to-value relationship with $1.3M pricing is reasonable for most investor models.
Are there empty rentals in Waterford, VA?
Waterford, VA sees elevated vacancy, which is reasonable relative to the broader VA rental market.
Is real estate in Waterford, VA a good investment right now?
Waterford, VA rates 3.0/5 for investability. With median values at $1.3M and rents near $2,070/mo, the market offers reasonable fundamentals for rental investors.
Is house hacking profitable in Waterford, VA?
House hacking in Waterford, VA is reasonable to execute. Prices around $1.3M and rents of $2,070/mo solid owner-occupant economics.
Is Waterford, VA landlord-friendly?
VA ranks as a landlord-friendly state for landlord-tenant law. Waterford generally follows the statewide framework, so landlords face reasonable operating rules.
You know 20197 now. You don’t know where it ranks.
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How 20197 ranks in Washington-Arlington-Alexandria, DC-VA-MD-WV
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