Market Overview
Home Prices in Louisa, VA
The median home value in Louisa, VA is $385,200 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.9% compared to a year ago and up 3.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Louisa are priced6% below average.
Over the past five years, Louisa home values have risen by approximately34.0%, reflecting strong long-term appreciation in this market.
Price History
Louisa Home Price Trend
2020
$243,356
$243K
—
2021
$287,482
$287K
+18.1%
2022
$328,677
$329K
+14.3%
2023
$340,018
$340K
+3.5%
2024
$360,934
$361K
+6.2%
2025
$374,378
$374K
+3.7%
2026
$385,200
$385K
+2.9%
City Comparison
Louisa vs. National Median
🏠 Louisa
$385,200
National Median
$410,000
At $385,200, homes in Louisa cost 6% below the national median of $410,000. This makes Louisa a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Louisa?
20% Down Payment
$77,040
on $385,200
Monthly P&I
$2,009/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,551/mo
incl. taxes & insurance
Income Needed
$102,040
gross annual (30% rule)
10% Down Option
$38,520
+ PMI applies
Loan Amount (20% dn)
$308,160
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 Louisa, VA?
The median home value in Louisa is $385,200 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.9% year-over-year.
How much have home prices changed in Louisa?
Over the past year, home values in Louisa have increased by 2.9%. Over five years, prices have risen approximately 34.0%.
How much do I need to earn to buy a home in Louisa?
To comfortably afford the median home price of $385,200 with a 20% down payment ($77,040) at today's rates (6.8%), you'd need a gross annual income of approximately $102,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Louisa compare to the national average home price?
The national median home value is approximately $410,000. At $385,200, homes in Louisa are 6% below the national average.