Market Overview
Home Prices in Rural Retreat, VA
The median home value in Rural Retreat, VA is $213,150 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.7% compared to a year ago and up 0.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Rural Retreat are priced48% below average.
Over the past five years, Rural Retreat home values have risen by approximately32.9%, reflecting strong long-term appreciation in this market.
Price History
Rural Retreat Home Price Trend
2020
$139,379
$139K
—
2021
$160,395
$160K
+15.1%
2022
$180,476
$180K
+12.5%
2023
$192,087
$192K
+6.4%
2024
$207,967
$208K
+8.3%
2025
$209,674
$210K
+0.8%
2026
$213,150
$213K
+1.7%
City Comparison
Rural Retreat vs. National Median
🏠 Rural Retreat
$213,150
National Median
$410,000
At $213,150, homes in Rural Retreat cost 48% below the national median of $410,000. This makes Rural Retreat a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Rural Retreat?
20% Down Payment
$42,630
on $213,150
Monthly P&I
$1,112/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,412/mo
incl. taxes & insurance
Income Needed
$56,480
gross annual (30% rule)
10% Down Option
$21,315
+ PMI applies
Loan Amount (20% dn)
$170,520
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 Rural Retreat, VA?
The median home value in Rural Retreat is $213,150 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.7% year-over-year.
How much have home prices changed in Rural Retreat?
Over the past year, home values in Rural Retreat have increased by 1.7%. Over five years, prices have risen approximately 32.9%.
How much do I need to earn to buy a home in Rural Retreat?
To comfortably afford the median home price of $213,150 with a 20% down payment ($42,630) at today's rates (6.8%), you'd need a gross annual income of approximately $56,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Rural Retreat compare to the national average home price?
The national median home value is approximately $410,000. At $213,150, homes in Rural Retreat are 48% below the national average.