Market Overview
Home Prices in Lottsburg, VA
The median home value in Lottsburg, VA is $438,212 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.2% compared to a year ago and up 2.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Lottsburg are priced7% above average.
Over the past five years, Lottsburg home values have risen by approximately34.6%, reflecting strong long-term appreciation in this market.
Price History
Lottsburg Home Price Trend
2020
$284,332
$284K
—
2021
$325,660
$326K
+14.5%
2022
$377,553
$378K
+15.9%
2023
$387,875
$388K
+2.7%
2024
$409,361
$409K
+5.5%
2025
$420,394
$420K
+2.7%
2026
$438,212
$438K
+4.2%
City Comparison
Lottsburg vs. National Median
🏠 Lottsburg
$438,212
National Median
$410,000
At $438,212, homes in Lottsburg cost 7% above the national median of $410,000. Buyers in Lottsburg should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Lottsburg?
20% Down Payment
$87,642
on $438,212
Monthly P&I
$2,285/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,902/mo
incl. taxes & insurance
Income Needed
$116,080
gross annual (30% rule)
10% Down Option
$43,821
+ PMI applies
Loan Amount (20% dn)
$350,570
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 Lottsburg, VA?
The median home value in Lottsburg is $438,212 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.2% year-over-year.
How much have home prices changed in Lottsburg?
Over the past year, home values in Lottsburg have increased by 4.2%. Over five years, prices have risen approximately 34.6%.
How much do I need to earn to buy a home in Lottsburg?
To comfortably afford the median home price of $438,212 with a 20% down payment ($87,642) at today's rates (6.8%), you'd need a gross annual income of approximately $116,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Lottsburg compare to the national average home price?
The national median home value is approximately $410,000. At $438,212, homes in Lottsburg are 7% above the national average.