Market Overview
Home Prices in Lovingston, VA
The median home value in Lovingston, VA is $325,215 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.4% compared to a year ago and up 1.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Lovingston are priced21% below average. Lovingston is part of the Charlottesville, VA metro area.
Over the past five years, Lovingston home values have risen by approximately28.9%, reflecting strong long-term appreciation in this market.
Price History
Lovingston Home Price Trend
City Comparison
Lovingston vs. National Median
At $325,215, homes in Lovingston cost 21% below the national median of $410,000. This makes Lovingston a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Lovingston?
20% Down Payment
$65,043
on $325,215
Monthly P&I
$1,696/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,154/mo
incl. taxes & insurance
Income Needed
$86,160
gross annual (30% rule)
10% Down Option
$32,522
+ PMI applies
Loan Amount (20% dn)
$260,172
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 Lovingston, VA?
The median home value in Lovingston is $325,215 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.4% year-over-year.
How much have home prices changed in Lovingston?
Over the past year, home values in Lovingston have increased by 4.4%. Over five years, prices have risen approximately 28.9%.
How much do I need to earn to buy a home in Lovingston?
To comfortably afford the median home price of $325,215 with a 20% down payment ($65,043) at today's rates (6.8%), you'd need a gross annual income of approximately $86,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Lovingston compare to the national average home price?
The national median home value is approximately $410,000. At $325,215, homes in Lovingston are 21% below the national average.
What metro area is Lovingston part of?
Lovingston is part of the Charlottesville, VA metropolitan area. Home prices and market conditions can vary across the broader metro region.