Market Overview
Home Prices in North Garden, VA
The median home value in North Garden, VA is $521,842 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.2% compared to a year ago and up 3.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in North Garden are priced27% above average. North Garden is part of the Charlottesville, VA metro area.
Over the past five years, North Garden home values have risen by approximately28.4%, reflecting strong long-term appreciation in this market.
Price History
North Garden Home Price Trend
City Comparison
North Garden vs. National Median
At $521,842, homes in North Garden cost 27% above the national median of $410,000. Buyers in North Garden should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in North Garden?
20% Down Payment
$104,368
on $521,842
Monthly P&I
$2,722/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,457/mo
incl. taxes & insurance
Income Needed
$138,280
gross annual (30% rule)
10% Down Option
$52,184
+ PMI applies
Loan Amount (20% dn)
$417,474
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 North Garden, VA?
The median home value in North Garden is $521,842 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.2% year-over-year.
How much have home prices changed in North Garden?
Over the past year, home values in North Garden have increased by 3.2%. Over five years, prices have risen approximately 28.4%.
How much do I need to earn to buy a home in North Garden?
To comfortably afford the median home price of $521,842 with a 20% down payment ($104,368) at today's rates (6.8%), you'd need a gross annual income of approximately $138,280. This assumes keeping total housing costs at or below 30% of gross income.
How does North Garden compare to the national average home price?
The national median home value is approximately $410,000. At $521,842, homes in North Garden are 27% above the national average.
What metro area is North Garden part of?
North Garden is part of the Charlottesville, VA metropolitan area. Home prices and market conditions can vary across the broader metro region.