Real Estate Investing in Colonial Beach, Virginia (22443)

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

Westmoreland County • Population: 10,026 • Data updated: September 2026

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Should you buy in 22443 (Colonial Beach, VA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (56/100)

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

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 21.8% of homes vacant — above national norms.

What’s happening in Colonial Beach, VA (22443)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $328,230
Avg Monthly Rent $2,056
1% Rule ✗ Does Not Meet
Median Income $55,414
% Renters 24.2%

Market Analysis: 22443 Colonial Beach

The 22443 ZIP covers a section of Colonial Beach that demands careful diligence. Prices near $328K look accessible, but the work to make a deal cash flow is real.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 22443 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Nearby ZIPs in Colonial Beach have seen price recovery that 22443 has not matched. Westmoreland County data supports the view that the spread is structural rather than temporary.

Demographically, 22443 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Distressed ZIPs reward experience. solid returns are possible in 22443, but they flow to investors who already understand how to operate in soft markets.

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 Colonial Beach:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
18/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.9× the median income
Value Trend
Stable (+1.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,056/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 22443

Which property type performs best in this market?

Best for Cash Flow
3BR
4.2% cap rate
Best for Appreciation
2BR
+9.8% 5yr CAGR
Best Overall Value
4BR
$100,947/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $282,927 $1,390 3.5% +9.8% $141,464
3BR $330,374 $1,930 4.2% +8.0% $110,125
4BR $403,787 $2,110 3.8% +7.4% $100,947

Market Trends

Home Value History (with trend line)

$339K$310K$281K$251K$222K$193KJan 2011Oct 2018Jul 2026

Rent History (with trend line)

$2,207$2,173$2,140$2,106$2,072$2,039Feb 2026Apr 2026Jun 2026

📊 How Does 22443 Compare?

Metric 22443 Colonial Beach Virginia
Home Value $328,230 $328,230 $403,170
5-Year CAGR 4.9% 4.9% 6.4%
Avg Rent $2,056 $2,056 -
Cap Rate 4.9% 4.9% -
💡 Why Invest in 22443? 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 →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 22443 (Colonial Beach, VA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.9%
Fair
5yr Growth
+4.9%
Moderate

📊 Market Snapshot

Home Value $328,230
Monthly Rent $2,056
Price-to-Rent 13.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.5%
Cap Rate 4.9%
5-Year IRR 9.8%

📈 Home Appreciation

1-Year +1.6% ▲
3-Year CAGR +2.5% ▲
5-Year CAGR +4.9% ▲
10-Year CAGR +4.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.9%). 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
21.8%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.9%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 22443

Population: 10,026

💰 Median Household Income
$55,414
This area
$55,414
State
$80,295
USA
$74,580
🏠 Renter Occupied
24.2%
This area
24.2%
State
25.7%
USA
34.0%
💼 Unemployment Rate
6.0%
This area
6.0%
State
-18.5%
USA
3.7%
🎓 College Educated
14.9%
This area
14.9%
State
4.0%
USA
33.7%
👤 Median Age
46.0 years
This area
46.0 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
21.8%
This area
21.8%
State
16.4%
USA
10.5%
👥 Population by Ethnicity
White 70.3%
Black/African American 14.2%
Other/Mixed 13.8%
Hispanic/Latino 10.0%
Asian 1.7%
👶 Under 18
18.9%
This area
18.9%
USA
22.0%
👴 65 and Over
23.7%
This area
23.7%
USA
17.3%
📊 Poverty Rate
11.1%
This area
11.1%
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 22443

B+ Avg School Grade
3 Schools
17.0:1 Avg Class Size
$16,602 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Washington District Elementary

📚 Pre-K – 05 Elementary
👥
387 Students
👨‍🏫
11.7:1 Class Size
💰
$19,347 Per Student
B+ Above Average

Colonial Beach Elementary

📚 Pre-K – 07 School
👥
379 Students
👨‍🏫
17.8:1 Class Size
💰
$15,230 Per Student
B Good

Colonial Beach High

📚 08 – 12 High School
👥
226 Students
👨‍🏫
21.5:1 Class Size
💰
$15,230 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.

Frequently Asked Questions

Are there empty rentals in Colonial Beach, VA?

Vacancy in Colonial Beach, VA is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $2,056/mo.

What is the renter demographic in Colonial Beach, VA?

Tenant quality in Colonial Beach, VA ranks as solid. Landlords generally report predictable occupancy at market rents of $2,056/mo.

What is the average monthly rent in Colonial Beach, VA?

Rent in Colonial Beach, VA is around $2,056/mo. The resulting rent-to-value relationship with $328K pricing is reasonable for most investor models.

Are eviction rules reasonable in Colonial Beach, VA?

For rental operators, Colonial Beach, VA rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.

What is the investability score for Colonial Beach, VA?

Yes - Colonial Beach, VA a 3.0/5 investability score. With $328K home prices against $2,056/mo monthly rent, the market delivers a reasonable entry point for new investors.

You know 22443 now. You don’t know where it ranks.

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