Real Estate Investing in Keswick, Virginia (22947)

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

Albemarle County • Population: 5,201 • Data updated: September 2026

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Should you buy in 22947 (Keswick, VA)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

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: 8.0% vacancy may signal weakening demand.
  • High price-to-rent: Price-to-rent ratio 38.6 — 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 Keswick, VA (22947)?

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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 $828,509
Avg Monthly Rent $1,791
1% Rule ✗ Does Not Meet
Median Income $129,833
% Renters 14.1%

Market Analysis: 22947 Keswick

ZIP 22947 inside Albemarle County looks affordable on the surface — median value of $829K — but the discount exists for reasons that a careful buyer should understand before committing.

In practical terms, the numbers look inviting — $829K purchase price, 0.0% nominal cap — the work to hit that pro forma in 22947 is substantial and deserves full respect.

Within VA, ZIP 22947 trails on several market indicators that neighboring Albemarle County submarkets outperform. The gap is real and resilient enough to shape underwriting.

Demographically, 22947 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.

seems to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

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 Keswick:

C Below Average
Buy Confidence Score: 59/100
Affordability
5/25
Appreciation
22/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.4× the median income
Value Trend
Rising (+3.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,791/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.
⚖️
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 22947

Which property type performs best in this market?

Best for Cash Flow
2BR
3.5% cap rate
Best for Appreciation
5BR
+8.4% 5yr CAGR
Best Overall Value
3BR
$192,054/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $406,167 $1,990 3.5% +6.8% $203,084
3BR $576,162 $2,440 3.0% +7.1% $192,054
4BR $934,518 $2,990 2.3% +8.2% $233,630
5BR $1,258,988 +8.4% $251,798

Market Trends

Home Value History (with trend line)

$865K$778K$692K$605K$519K$432KJul 2006Jul 2016Jul 2026

📊 How Does 22947 Compare?

Metric 22947 Keswick Charlottesville, VA Virginia
Home Value $828,509 $828,509 N/A $403,170
5-Year CAGR 6.2% 6.2% N/A 6.4%
Avg Rent $1,791 $1,791 N/A -
Cap Rate 1.7% 1.7% - -
💡 Why Invest in 22947? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 22947 (Keswick, VA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
1.7%
Low
5yr Growth
+6.2%
Strong

📉 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 $828,509
Monthly Rent $1,791
Price-to-Rent 38.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 2.6%
Cap Rate 1.7%
5-Year IRR 7.9%

📈 Home Appreciation

1-Year +3.6% ▲
3-Year CAGR +5.0% ▲
5-Year CAGR +6.2% ▲
10-Year CAGR +5.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 1.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.7%). 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
8.0%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.2%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 22947

Population: 5,201

💰 Median Household Income
$129,833
This area
$129,833
State
$80,295
USA
$74,580
🏠 Renter Occupied
14.1%
This area
14.1%
State
25.7%
USA
34.0%
💼 Unemployment Rate
1.4%
This area
1.4%
State
-18.5%
USA
3.7%
🎓 College Educated
62.4%
This area
62.4%
State
4.0%
USA
33.7%
👤 Median Age
51.9 years
This area
51.9 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
8.0%
This area
8.0%
State
16.4%
USA
10.5%
👥 Population by Ethnicity
White 83.8%
Black/African American 7.5%
Other/Mixed 6.7%
Asian 2.0%
Hispanic/Latino 1.6%
👶 Under 18
21.0%
This area
21.0%
USA
22.0%
👴 65 and Over
35.2%
This area
35.2%
USA
17.3%
📊 Poverty Rate
1.4%
This area
1.4%
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 22947

A+ Avg School Grade
1 Schools
11.8:1 Avg Class Size
$20,208 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Stony Point Elementary

📚 Pre-K – 05 Elementary
👥
188 Students
👨‍🏫
11.8:1 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
C
Piedmont Virginia Community College
5,174 students · 8.9 mi
A
University of Virginia-Main Campus
25,924 students · 9.7 mi

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

Frequently Asked Questions

Is Keswick in VA worth investing in?

With a 3.0/5 investability score, Keswick, VA ranks as a solid market for rental property investors. Median prices of $829K and rents of $1,791/mo drive the underlying numbers.

How much rent can I charge in Keswick, VA?

The typical rental in Keswick, VA commands about $1,791/mo monthly. That rent profile stable cash flow against the $829K purchase basis.

How expensive is real estate in Keswick, VA?

Typical homes in Keswick, VA go for around $829K. The 5-year CAGR of 0.0% steady price movement.

How viable is house hacking in Keswick, VA?

House hacking works a challenging in Keswick, VA. Rents of $1,791/mo against $829K acquisition make the strategy solid for owner-occupants.

Do rentals sit vacant long in Keswick, VA?

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

You know 22947 now. You don’t know where it ranks.

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How 22947 ranks in Charlottesville, VA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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