Real Estate Investing in Charlottesville, Virginia (22911)

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

Albemarle County • Population: 18,985 • Data updated: September 2026

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Should you buy in 22911 (Charlottesville, VA)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
CLEAN

No major risk flags on the data we track.

What’s happening in Charlottesville, VA (22911)?

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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 $521,575
Avg Monthly Rent $2,258
1% Rule ✗ Does Not Meet
Median Income $108,776
% Renters 30.2%

Market Analysis: 22911 Charlottesville

Not every below-median market is a bargain. Charlottesville's 22911 ZIP registers signals that favor experienced operators who can absorb the risk $522K pricing implies.

The investment case in 22911 is robust only for operators who understand what they are buying. A $522K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

ZIP 22911's metrics run below Albemarle County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Employment concentration in 22911 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

Strategy in 22911 is an operator game, not a passive one. From an investor standpoint, entry prices of $522K are inviting, the management lift is real and non-optional.

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 Charlottesville:

C+ Average
Buy Confidence Score: 66/100
Affordability
10/25
Appreciation
22/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.8× the median income
Value Trend
Rising (+4.3%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,258/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.
⚖️
BALANCED MARKET
Charlottesville, VA Metro Area
Even conditions for buyers and sellers
58 days
Average time to sell
Average
8.7%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Charlottesville, VA metro data
🏠

Property Strategy for 22911

Which property type performs best in this market?

Best for Cash Flow
1BR
5.6% cap rate
Best for Appreciation
1BR
+7.1% 5yr CAGR
Best Overall Value
3BR
$145,997/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $238,974 $1,860 5.6% +7.1% $238,974
2BR $326,914 $2,120 4.7% +7.0% $163,457
3BR $437,990 $2,580 4.2% +5.9% $145,997
4BR $600,588 $3,170 3.8% +6.6% $150,147
5BR $804,953 +6.6% $160,991

Market Trends

Home Value History (with trend line)

$544K$489K$433K$378K$323K$267KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,367$2,296$2,225$2,154$2,084$2,013Dec 2023Apr 2025Jul 2026

📊 How Does 22911 Compare?

Metric 22911 Charlottesville Charlottesville, VA Virginia
Home Value $521,575 $190,015 N/A $403,170
5-Year CAGR 5.2% 4.8% N/A 6.4%
Avg Rent $2,258 $2,057 N/A -
Cap Rate 3.4% 3.1% - -
💡 Why Invest in 22911? 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 22911 (Charlottesville, VA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.4%
Low
5yr Growth
+5.2%
Moderate

📉 Market Crash Risk Index

Based on Charlottesville, VA metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
46%
Days Pending
1/2
58 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $521,575
Monthly Rent $2,258
Price-to-Rent 19.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR 8.6%

📈 Home Appreciation

1-Year +4.3% ▲
3-Year CAGR +4.0% ▲
5-Year CAGR +5.2% ▲
10-Year CAGR +5.1% ▲

🏠 Rent Trends

1-Year +2.1% ▲
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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
4.8%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.2%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 22911

Population: 18,985

💰 Median Household Income
$108,776
This area
$108,776
State
$80,295
USA
$74,580
🏠 Renter Occupied
30.2%
This area
30.2%
State
25.7%
USA
34.0%
💼 Unemployment Rate
1.3%
This area
1.3%
State
-18.5%
USA
3.7%
🎓 College Educated
58.1%
This area
58.1%
State
4.0%
USA
33.7%
👤 Median Age
41.3 years
This area
41.3 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
4.8%
This area
4.8%
State
16.4%
USA
10.5%
👥 Population by Ethnicity
White 76.8%
Other/Mixed 8.5%
Black/African American 8.4%
Asian 6.3%
Hispanic/Latino 3.7%
👶 Under 18
23.1%
This area
23.1%
USA
22.0%
👴 65 and Over
21.8%
This area
21.8%
USA
17.3%
📊 Poverty Rate
3.5%
This area
3.5%
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 22911

A+ Avg School Grade
4 Schools
13.4:1 Avg Class Size
$20,208 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Baker-Butler Elem

📚 Pre-K – 05 Elementary
👥
735 Students
👨‍🏫
13.6:1 Class Size
💰
$20,208 Per Student
A+ Excellent

Hollymead Elementary

📚 Pre-K – 05 Elementary
👥
347 Students
👨‍🏫
12.4:1 Class Size
💰
$20,208 Per Student
A+ Excellent

Lakeside Middle

📚 06 – 08 Middle
👥
520 Students
👨‍🏫
13.9:1 Class Size
💰
$20,208 Per Student
A+ Excellent

Stone Robinson Elementary

📚 Pre-K – 05 Elementary
👥
488 Students
👨‍🏫
13.8:1 Class Size
💰
$20,208 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.

🎓 Nearby Colleges & Universities

2 Nearby 714 Off-Campus Students
A
University of Virginia-Main Campus
25,924 students · 6.6 mi
C
Piedmont Virginia Community College
5,174 students · 7.4 mi

Investor Insight: With 714 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What do landlords charge for rent in Charlottesville, VA?

Expect rents around $2,258/mo per month in Charlottesville, VA. With home values at $522K, the yield math works out to reasonable levels for rental investors.

What kind of tenants rent in Charlottesville, VA?

Charlottesville, VA offers a reliable renter base at the $2,258/mo rent level. Tenant turnover is reasonable for well-managed properties.

What investment strategy works best in Charlottesville, VA?

Most investors in Charlottesville, VA run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.

Does Charlottesville, VA make sense for an investment property?

With a 3.0/5 investability score, Charlottesville, VA ranks as a solid market for rental property investors. Median prices of $522K and rents of $2,258/mo drive the underlying numbers.

How do home values compare in Charlottesville, VA?

Homes in Charlottesville, VA typically sell near $522K. Prices have moved at a 0.0% 5-year CAGR, which even-keeled long-term demand.

You know 22911 now. You don’t know where it ranks.

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How 22911 ranks in Charlottesville, VA

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Cash Flow → Appreciation → Affordable →
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