Market Overview
Home Prices in Champlain, VA
The median home value in Champlain, VA is $290,053 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.3% compared to a year ago and down 1.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Champlain are priced29% below average.
Over the past five years, Champlain home values have risen by approximately20.0%, reflecting steady appreciation in this market.
Price History
Champlain Home Price Trend
2020
$200,922
$201K
—
2021
$241,681
$242K
+20.3%
2022
$271,328
$271K
+12.3%
2023
$275,652
$276K
+1.6%
2024
$278,635
$279K
+1.1%
2025
$275,543
$276K
-1.1%
2026
$290,053
$290K
+5.3%
City Comparison
Champlain vs. National Median
🏠 Champlain
$290,053
National Median
$410,000
At $290,053, homes in Champlain cost 29% below the national median of $410,000. This makes Champlain a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Champlain?
20% Down Payment
$58,011
on $290,053
Monthly P&I
$1,513/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,922/mo
incl. taxes & insurance
Income Needed
$76,880
gross annual (30% rule)
10% Down Option
$29,005
+ PMI applies
Loan Amount (20% dn)
$232,042
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Champlain, VA?
The median home value in Champlain is $290,053 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.3% year-over-year.
How much have home prices changed in Champlain?
Over the past year, home values in Champlain have increased by 5.3%. Over five years, prices have risen approximately 20.0%.
How much do I need to earn to buy a home in Champlain?
To comfortably afford the median home price of $290,053 with a 20% down payment ($58,011) at today's rates (6.8%), you'd need a gross annual income of approximately $76,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Champlain compare to the national average home price?
The national median home value is approximately $410,000. At $290,053, homes in Champlain are 29% below the national average.