Real Estate Investing in Toms Brook, Virginia (22660)

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

Shenandoah County • Population: 1,441 • Data updated: September 2026

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Should you buy in 22660 (Toms Brook, VA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (48/100)

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

📈 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
2 flags
  • High vacancy: 13.5% of homes vacant — above national norms.
  • High price-to-rent: Price-to-rent ratio 33.8 — 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 Toms Brook, VA (22660)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $357,655
Avg Monthly Rent $882
1% Rule ✗ Does Not Meet
Median Income $73,958
% Renters 18.1%

Market Analysis: 22660 Toms Brook

ZIP 22660 inside Shenandoah County looks affordable on the surface — median value of $358K — but the discount exists for reasons that a careful buyer should understand before committing.

Distressed markets are won on execution, not on spreadsheets. ZIP 22660 sits at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Regionally, 22660 sits on the difficult end of the VA spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.

Demographically, 22660 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.

The 22660 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Toms Brook:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.8× the median income
Value Trend
Rising (+4.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $882/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.

Market Trends

Home Value History (with trend line)

$375K$330K$285K$239K$194K$149KJul 2006Jul 2016Jul 2026

📊 How Does 22660 Compare?

Metric 22660 Toms Brook Virginia
Home Value $357,655 $357,655 $403,170
5-Year CAGR 5.1% 5.1% 6.4%
Avg Rent $882 $882 -
Cap Rate 1.9% 1.9% -
💡 Why Invest in 22660? Click to expand

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

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 22660 (Toms Brook, VA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
1.9%
Low
5yr Growth
+5.1%
Moderate

📊 Market Snapshot

Home Value $357,655
Monthly Rent $882
Price-to-Rent 33.8:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.0%
Cap Rate 1.9%
5-Year IRR 7.1%

📈 Home Appreciation

1-Year +4.7% ▲
3-Year CAGR +3.6% ▲
5-Year CAGR +5.1% ▲
10-Year CAGR +6.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.9%). 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.

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⚠️ Risk Signals

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

Vacancy
13.5%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.1%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 22660

Population: 1,441

💰 Median Household Income
$73,958
This area
$73,958
State
$80,295
USA
$74,580
🏠 Renter Occupied
18.1%
This area
18.1%
State
25.7%
USA
34.0%
💼 Unemployment Rate
2.1%
This area
2.1%
State
-18.5%
USA
3.7%
🎓 College Educated
16.3%
This area
16.3%
State
4.0%
USA
33.7%
👤 Median Age
45.3 years
This area
45.3 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
13.5%
This area
13.5%
State
16.4%
USA
10.5%
👥 Population by Ethnicity
White 91.5%
Other/Mixed 7.5%
Black/African American 0.9%
👶 Under 18
19.5%
This area
19.5%
USA
22.0%
👴 65 and Over
15.8%
This area
15.8%
USA
17.3%
📊 Poverty Rate
8.6%
This area
8.6%
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 593 Off-Campus Students
C
Laurel Ridge Community College
5,935 students · 10.7 mi

Investor Insight: With 593 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How high is vacancy risk in Toms Brook, VA?

Vacancy in Toms Brook, VA is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $882/mo.

How deep is the rental pool in Toms Brook, VA?

Toms Brook, VA draws a reliable base of working renters. Demand at the $882/mo rent level is reasonable for standard single-family and small multi rentals.

Is Toms Brook in VA worth investing in?

Toms Brook, VA scores 3.0/5 for investability. Home values sit at $358K and rents near $882/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

Can owner-occupants cash flow in Toms Brook, VA?

The house hack math a challenging in Toms Brook, VA. Owner-occupant buyers benefit from the $882/mo rents and $358K home values.

How strong are rents in Toms Brook, VA?

Expect rents around $882/mo per month in Toms Brook, VA. With home values at $358K, the yield math works out to reasonable levels for rental investors.

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