22974
Troy, Virginia.
Troy, Fluvanna County, VA · Charlottesville, VA metro · population 5,309
to buy the typical home at today's mortgage rate — +$1,294 (+123%) since Jan 2020.
- 1 year
- Up $7,067 +2%
- $440,738$447,805 since Sep 2025
- 5 years
- Up $94,471 +27%
- $353,333$447,805 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 22974$2,350
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in zip 22974 rose 1.6% over the past year — faster than the nation's +1.2%.
This zip spans 3 counties: Fluvanna County, VA 77% · Louisa County, VA 15% · Albemarle County, VA 8%
Zillow also publishes an index for the city itself: Troy, VA — measured over the city limits, which is a different area from this zip.
Typical home value — 22974
Mid-tier homes, smoothed and seasonally adjusted.
- 22974$447,805
- Charlottesville$464,132
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 6.3 | 22947 | Keswick | 5,256 | — | $812,826 |
| 7.9 | 22963 | Palmyra | 16,896 | $2,000 | $374,399 |
| 10.3 | 23084 | Kents Store | 1,652 | — | $387,526 |
| 10.6 | 22902 | Charlottesville | 23,486 | $2,066 | $477,096 |
| 10.7 | 22942 | Gordonsville | 10,560 | $1,550 | $408,473 |
| 11.7 | 22911 | Charlottesville | 19,107 | $2,280 | $510,826 |
| 13.3 | 23093 | Louisa | 14,647 | $1,700 | $377,226 |
| 13.6 | 23055 | Fork Union | 1,004 | — | $346,410 |
| 15.7 | 23022 | Bremo Bluff | 1,006 | — | $253,905 |
| 15.7 | 22923 | Barboursville | 6,435 | $2,412 | $434,242 |
| 15.9 | 23038 | Columbia | 1,471 | — | $322,025 |
| 16.0 | 24590 | Scottsville | 8,229 | — | $342,472 |
| 17.6 | 22901 | Charlottesville | 37,237 | $1,727 | $526,779 |
| 17.8 | 22972 | Somerset | 290 | — | $344,810 |
| 18.1 | 22903 | Charlottesville | 40,372 | $2,370 | $529,260 |
| 18.7 | 22936 | Earlysville | 6,983 | — | $642,860 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.