Real Estate Investing in Kinsale, Virginia (22488)

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

Westmoreland County • Population: 807 • Data updated: September 2026

☆ Watch this market Free account

Should you buy in 22488 (Kinsale, VA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (44/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 50.1% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (0.8% CAGR).

• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Kinsale, VA (22488)?

Click any question — our AI will research it live from the web and show you sources.

✨ Live AI + Web Search
Want to ask your own questions? Upgrade to Pro for unlimited custom queries.
2.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $242,924
Avg Monthly Rent $909
1% Rule ✗ Does Not Meet
Median Income $65,091
% Renters 28.7%

Market Analysis: 22488 Kinsale

The 22488 ZIP covers a section of Kinsale that demands careful diligence. Prices near $243K look accessible, but the work to make a deal cash flow is real.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $243K asset, 22488 is the wrong submarket. If the plan prices in friction, the yield can still work.

Regionally, 22488 sits on the difficult end of the VA spectrum. The worth a close look for read — for disciplined operators — is that pricing reflects the difficulty.

A healthy renter share of 29% in 22488 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.

Distressed ZIPs reward experience. substantial returns are possible in 22488, 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 Kinsale:

C Below Average
Buy Confidence Score: 55/100
Affordability
15/25
Appreciation
10/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.7× the median income
Value Trend
Declining (-2.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $909/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.

Market Trends

Home Value History (with trend line)

$262K$239K$217K$194K$171K$149KFeb 2018May 2022Jul 2026

📊 How Does 22488 Compare?

Metric 22488 Kinsale Virginia
Home Value $242,924 $242,924 $403,170
5-Year CAGR 0.8% 0.8% 6.4%
Avg Rent $909 $909 -
Cap Rate 2.9% 2.9% -
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
Open the Market Finder →
Free to search · investor plans from $19/mo

Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 22488 (Kinsale, VA). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 22488 (Kinsale, VA)?

~25 seconds · no account needed · your report is anonymous

Investability
Fair
Cap Rate
2.9%
Low
5yr Growth
+0.8%
Slow

📊 Market Snapshot

Home Value $242,924
Monthly Rent $909
Price-to-Rent 22.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.5%
Cap Rate 2.9%
5-Year IRR 3.7%

📈 Home Appreciation

1-Year -2.5% ▼
3-Year CAGR +1.4% ▲
5-Year CAGR +0.8% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). 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
50.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+0.8%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 22488

Population: 807

💰 Median Household Income
$65,091
This area
$65,091
State
$80,295
USA
$74,580
🏠 Renter Occupied
28.7%
This area
28.7%
State
25.7%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-18.5%
USA
3.7%
🎓 College Educated
33.0%
This area
33.0%
State
4.0%
USA
33.7%
👤 Median Age
58.8 years
This area
58.8 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
50.1%
This area
50.1%
State
16.4%
USA
10.5%
👥 Population by Ethnicity
White 71.6%
Black/African American 24.5%
Hispanic/Latino 3.9%
Other/Mixed 3.9%
👶 Under 18
4.3%
This area
4.3%
USA
22.0%
👴 65 and Over
37.8%
This area
37.8%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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

🎓 Nearby Colleges & Universities

1 Nearby 19 Off-Campus Students
B
St. Mary's College of Maryland
1,587 students · 12.8 mi

Frequently Asked Questions

Should investors worry about vacancy in Kinsale, VA?

Kinsale, VA sees elevated vacancy, which is reasonable relative to the broader VA rental market.

Is the tenant base reliable in Kinsale, VA?

Tenant demand in Kinsale, VA is solid. The local workforce $909/mo rents across most rental classes.

How strong are rents in Kinsale, VA?

The typical rental in Kinsale, VA commands about $909/mo monthly. That rent profile measured cash flow against the $243K purchase basis.

How expensive is real estate in Kinsale, VA?

Median home price in Kinsale, VA is near $243K, with a 5-year CAGR of 0.0%. Prices have been consistent and supportive of buy-and-hold strategies.

How do experienced investors play Kinsale, VA?

The best-fit strategy in Kinsale, VA is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

You know 22488 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 22488 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

Compare Plans
🤖

AI Market Advisor

Ask questions about investing in 22488 (Kinsale)

Loading...

Community Ratings

What people who’ve spent time here actually say. Not paid reviews.

Be the first to rate 22488 (Kinsale, VA).

It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.