Lovingston, Virginia.
Typical home $318,878 (+4.3% in a year). Charlottesville, VA metro.
to buy the typical home at today's mortgage rate — +$966 (+137%) since Jan 2020.
- 1 year
- Up $13,261 +4%
- $305,617$318,878 since Sep 2025
- 5 years
- Up $77,787 +32%
- $241,091$318,878 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.
- Lovingston$1,674
- Virginia$2,164
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Lovingston, VA rose 4.3% over the past year — faster than the nation's +1.2%.
Living in Lovingston, Nelson County, Virginia
Lovingston, in Nelson County, had 503 people in the 2020 census. Unemployment in Nelson County was 3.2% in August 2026, and the county had 0.1% fewer jobs in 2025 than the year before. The most people in Nelson County work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Lovingston is a very small community and the seat of Nelson County in the Virginia Blue Ridge foothills. Its residents are older than in most American towns, and homes here are valued above what many people expect from a place this size. Winters are cold, with highs that stay well below comfortable shirtsleeve weather in January, while July is warm. Rain and melted snow are fairly plentiful through the year.
Work. Residents mostly work in schools, hospitals and social care, in professional and business services, in restaurants, hotels and entertainment, and in shops. Across Nelson County, the largest workplaces include Wintergreen Resort, Nelson County Public Schools and Food Lion. Unemployment across the county is low and has held steady over the past year, while the number of jobs has slipped only slightly.
Things to do. Naked Mountain Natural Area Preserve is a protected area in or beside town, and the Tye River and the Piney River are both a short drive away. Crabtree Falls, a waterfall, is a longer drive, as is Wintergreen Resort, a ski area. For a day outdoors without going far, Lesesne State Forest is also a short drive from town.
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What people in Nelson County work in
Employed residents by industry, from the Census survey. Nelson County had 3,980 jobs in 2025, 0.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 48° and lows near 26°; warmest in July, with highs near 87° and lows near 66°. About 46 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Tye River Southeast weather station, 10 miles away (NOAA).
Largest workplaces in Nelson County
- Wintergreen ResortSki lodges and resorts with accommodations644
- Nelson County Public SchoolsSchool district301FTE
- Food LionGrocery stores67
- Three Notch'd 151 - Beer, Bourbon and FoodFull service restaurants59
- Silver Creek OrchardsApple orchards31
- Bold Rock - NellysfordCider, alcoholic, manufacturing23
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 5 workplaces with 20 or more staff, 824 people in all across the county; Lovingston has two of its own. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- DroughtRelatively moderate
- Inland floodingrelatively high in parts of LovingstonRelatively moderate
- Strong windrelatively high in parts of LovingstonRelatively moderate
- Lightningrelatively high in parts of LovingstonRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Lovingston’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Nelson County and the Charlottesville, VA metro.
Lovingston home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Lovingston$318,878
- Virginia$412,252
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
Not enough data to draw this yet.
Zip codes with a Lovingston address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Lovingston — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Lovingston
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 22971 | Shipman | 2,359 | — | $255,225 |
| 22949 | Lovingston | 1,426 | — | $315,279 |