Real Estate Investing in Richardsville, Virginia (22726)

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

Culpeper County • Population: 606 • Data updated: September 2026

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Should you buy in 22726 (Richardsville, VA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (54/100)

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
  • Elevated vacancy: 9.8% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 30.5 — hard to cash-flow at these prices.

• 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 Richardsville, VA (22726)?

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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 $468,210
Avg Monthly Rent $1,278
1% Rule ✗ Does Not Meet
Median Income $79,205
% Renters 22.8%

Market Analysis: 22726 Richardsville

ZIP 22726 inside Culpeper County looks affordable on the surface — median value of $468K — but the discount exists for reasons that a careful buyer should understand before committing.

The investment case in 22726 is notable only for operators who understand what they are buying. A $468K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Statewide comparisons place 22726 among VA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Who lives in 22726 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The 22726 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 Richardsville:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.9× the median income
Value Trend
Rising (+5.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,278/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)

$491K$427K$363K$299K$234K$170KJul 2006Jul 2016Jul 2026

📊 How Does 22726 Compare?

Metric 22726 Richardsville Virginia
Home Value $468,210 $468,210 $403,170
5-Year CAGR 5.6% 5.6% 6.4%
Avg Rent $1,278 $1,278 -
Cap Rate 2.1% 2.1% -
💡 Why Invest in 22726? 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 22726 (Richardsville, VA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.1%
Low
5yr Growth
+5.6%
Moderate

📊 Market Snapshot

Home Value $468,210
Monthly Rent $1,278
Price-to-Rent 30.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 3.3%
Cap Rate 2.1%
5-Year IRR 7.7%

📈 Home Appreciation

1-Year +5.7% ▲
3-Year CAGR +5.0% ▲
5-Year CAGR +5.6% ▲
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: 2.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.1%). 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
9.8%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.6%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 22726

Population: 606

💰 Median Household Income
$79,205
This area
$79,205
State
$80,295
USA
$74,580
🏠 Renter Occupied
22.8%
This area
22.8%
State
25.7%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-18.5%
USA
3.7%
🎓 College Educated
21.0%
This area
21.0%
State
4.0%
USA
33.7%
👤 Median Age
37.3 years
This area
37.3 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
9.8%
This area
9.8%
State
16.4%
USA
10.5%
👥 Population by Ethnicity
White 82.5%
Black/African American 12.4%
Other/Mixed 5.1%
Hispanic/Latino 3.5%
👶 Under 18
24.1%
This area
24.1%
USA
22.0%
👴 65 and Over
14.7%
This area
14.7%
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

2 Nearby 1,536 Off-Campus Students
C
Germanna Community College
8,082 students · 2.7 mi
C
Culpeper Cosmetology Training Center
68 students · 10.7 mi

Investor Insight: With 1,536 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Is Richardsville, VA a good place for real estate investing?

With a 3.0/5 investability score, Richardsville, VA ranks as a solid market for rental property investors. Median prices of $468K and rents of $1,278/mo drive the underlying numbers.

How high is vacancy risk in Richardsville, VA?

Vacancy in Richardsville, VA is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,278/mo.

What is the smart move for investors in Richardsville, VA?

Investors usually favor careful cash-flow rentals with hands-on management in Richardsville, VA. With home values at $468K and rents near $1,278/mo, other strategies can work but produce stable rather than outsized returns.

How qualified is the tenant pool in Richardsville, VA?

Working renters make up the core of the Richardsville, VA tenant base. The pool is reasonable for investors targeting long-term holds.

How do home values compare in Richardsville, VA?

The median home value in Richardsville, VA is roughly $468K. That puts it reasonable relative to the VA statewide average.

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How 22726 ranks in Washington-Arlington-Alexandria, DC-VA-MD-WV

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Cash Flow → Appreciation → Affordable →
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