Real Estate Investing in Moseley, Virginia (23120)

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

Chesterfield County • Population: 17,240 • Data updated: September 2026

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Should you buy in 23120 (Moseley, VA)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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 Moseley, VA (23120)?

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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 $615,309
Avg Monthly Rent $2,745
1% Rule ✗ Does Not Meet
Median Income $163,989
% Renters 3.9%

Market Analysis: 23120 Moseley

The 23120 ZIP covers a section of Moseley that demands careful diligence. Prices near $615K look accessible, but the work to make a deal cash flow is real.

Rent of $2,745/mo on a $615K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 23120 sits below the stated 0.0% once reality is priced in.

ZIP 23120's metrics run below Chesterfield County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Who lives in 23120 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

trends toward 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 Moseley:

B Good
Buy Confidence Score: 71/100
Affordability
15/25
Appreciation
22/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+4.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,745/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
Richmond, VA Metro Area
Even conditions for buyers and sellers
31 days
Average time to sell
Average
11.4%
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 Richmond, VA metro data
🏠

Property Strategy for 23120

Which property type performs best in this market?

Best for Cash Flow
3BR
4.8% cap rate
Best for Appreciation
4BR
+7.6% 5yr CAGR
Best Overall Value
5BR
$141,627/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $465,271 $3,110 4.8% +6.6% $155,090
4BR $619,414 $3,830 4.5% +7.6% $154,853
5BR $708,136 +6.9% $141,627

Market Trends

Home Value History (with trend line)

$640K$569K$497K$426K$355K$284KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,746$2,745$2,744$2,743$2,742$2,741Apr 2026May 2026Jun 2026

📊 How Does 23120 Compare?

Metric 23120 Moseley Richmond, VA Virginia
Home Value $615,309 $615,309 N/A $403,170
5-Year CAGR 5.3% 5.3% N/A 6.4%
Avg Rent $2,745 $2,745 N/A -
Cap Rate 3.5% 3.5% - -
💡 Why Invest in 23120? 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 23120 (Moseley, VA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.5%
Low
5yr Growth
+5.3%
Moderate

📉 Market Crash Risk Index

Based on Richmond, VA metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
29%
Days Pending
0/2
31 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $615,309
Monthly Rent $2,745
Price-to-Rent 18.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.4%
Cap Rate 3.5%
5-Year IRR 8.8%

📈 Home Appreciation

1-Year +4.0% ▲
3-Year CAGR +4.4% ▲
5-Year CAGR +5.3% ▲
10-Year CAGR +5.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). 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
0.8%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.3%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 23120

Population: 17,240

💰 Median Household Income
$163,989
This area
$163,989
State
$80,295
USA
$74,580
🏠 Renter Occupied
3.9%
This area
3.9%
State
25.7%
USA
34.0%
💼 Unemployment Rate
3.7%
This area
3.7%
State
-18.5%
USA
3.7%
🎓 College Educated
64.1%
This area
64.1%
State
4.0%
USA
33.7%
👤 Median Age
36.4 years
This area
36.4 years
State
9.9 years
USA
38.9 years
🏚️ Vacancy Rate
0.8%
This area
0.8%
State
16.4%
USA
10.5%
👥 Population by Ethnicity
White 78.1%
Black/African American 13.4%
Other/Mixed 5.4%
Asian 3.2%
Hispanic/Latino 2.8%
👶 Under 18
32.9%
This area
32.9%
USA
22.0%
👴 65 and Over
8.2%
This area
8.2%
USA
17.3%
📊 Poverty Rate
2.4%
This area
2.4%
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 23120

B Avg School Grade
2 Schools
16.4:1 Avg Class Size
$13,618 Avg Per Pupil

Schools in This ZIP Code

B Good

Grange Hall Elementary

📚 Pre-K – 05 Elementary
👥
748 Students
👨‍🏫
16.7:1 Class Size
💰
$13,618 Per Student
B Good

Moseley Elementary

📚 Pre-K – 05 Elementary
👥
925 Students
👨‍🏫
16.1:1 Class Size
💰
$13,618 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
D
Empire Beauty School-Midlothian
87 students · 10.7 mi
D
Centura College-Richmond Main
31 students · 14.7 mi

Frequently Asked Questions

Can I house hack in Moseley, VA?

The a challenging house-hack environment in Moseley, VA reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

What is the renter demographic in Moseley, VA?

Expect a solid tenant pool in Moseley, VA. The rental market absorbs $2,745/mo rents without meaningful friction.

What is the investability score for Moseley, VA?

Moseley, VA scores 3.0/5 for investability. Home values sit at $615K and rents near $2,745/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

How strong are rents in Moseley, VA?

Rents in Moseley, VA run near $2,745/mo. Compared with median home prices of $615K that produces solid gross yields for typical rentals.

Where do home prices stand in Moseley, VA?

Homes in Moseley, VA typically sell near $615K. Prices have moved at a 0.0% 5-year CAGR, which measured long-term demand.

You know 23120 now. You don’t know where it ranks.

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How 23120 ranks in Richmond, VA

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Cash Flow → Appreciation → Affordable →
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