Moneta, Virginia.
Typical home $553,147 (+3.7% in a year), asking rent $1,995 . Lynchburg, VA metro.
to buy the typical home at today's mortgage rate — +$1,720 (+145%) since Jan 2020.
- 1 year
- Up $19,764 +4%
- $533,384$553,147 since Sep 2025
- 5 years
- Up $138,871 +34%
- $414,276$553,147 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.
- Moneta$2,903
- 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 Moneta, VA rose 3.7% over the past year — faster than the nation's +1.2%.
Living in Moneta, Bedford County, Virginia
Moneta, in Bedford County, had 450 people in the 2020 census. Unemployment in Bedford County was 3.4% in August 2026, and the county had 1.0% more jobs in 2025 than the year before. The most people in Bedford County work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 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 It can be wrong or out of date.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. Moneta is a very small community in Bedford County, Virginia, on the shores of Smith Mountain Lake. Homes here are worth considerably more than the typical home in many parts of the country, which fits a lakeside setting. Winters are cold, with January the coldest month, and summers are warm, with July the warmest. Rain and melted snow add up to a fair amount over the year.
Work. People who live here work mainly in schools, hospitals and social care, in manufacturing, in professional and business services, and in shops. Across Bedford County, some of the largest workplaces are Bedford County Public Schools, Big Island Paper and Bedford Memorial Hospital. Unemployment across the county is low and has held steady from a year ago, and the county has gained a few more jobs than it had the year before.
Things to do. Smith Mountain Lake State Park is a protected area a short drive away, and the Booker T. Washington National Monument, a museum site, is also a short drive away. A longer drive brings you to the National D-Day Memorial, one of the best known places in the region, and to Smith Mountain Lake itself, a large reservoir popular for time on the water.
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What people in Bedford County work in
Employed residents by industry, from the Census survey. Bedford County had 18,784 jobs in 2025, 1.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 47° and lows near 28°; warmest in July, with highs near 86° and lows near 67°. About 46 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Bedford weather station, 12 miles away (NOAA).
Largest workplaces in Bedford County
- Bedford County Public SchoolsSchool district1,540FTE
- Big Island Paper334
- WalmartWarehouse clubs and supercenters310
- SentryBelt conveyor systems manufacturing253
- Bedford Memorial HospitalGeneral hospital215FTE
- Custom Truck One Source - ForestCranes, construction-type, manufacturing190
- Parkland DirectPrinting, letterpress180
- Kroger Mid-Atlantic KMASupermarkets and other grocery except convenience stores164
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 55 workplaces with 20 or more staff, 4,501 people in all across the county; Moneta has one of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Lightningrelatively high in parts of MonetaRelatively moderate
- Strong windRelatively moderate
- Inland floodingRelatively 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 Moneta’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 Bedford County and the Lynchburg, VA metro.
Moneta home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Moneta$553,147
- Virginia$412,252
- United States$366,157
Sellers are cutting prices on about 1 in 4 Moneta listings, and the typical home goes pending in 49 days — the market is cooling.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Moneta27.79%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Moneta49
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Moneta148
New listings per month
Sellers arriving at the market.
- Moneta29
Zip codes with a Moneta address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Moneta — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.