The story of this market
The typical home in Charles City County, Virginia sells for about $281,812, or $155 per square foot.
Prices are up +1.6% from a year ago, so sellers still have some momentum. Homes take about 57 days to sell. Over the long run, values in this county have grown 81% since 2001. The biggest natural hazard here is drought, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,651 a month.
HUD sets the fair market rent for a 2-bedroom at $1,651 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2001–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2015 (+23.3%). Worst: 2010 (-6.7%). Hover to read a year.
Monthly price momentum
Home values since 2015
+2.6%
VA · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,039
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2001–2025
0%
2025 change
FHFA repeat-sales index, median of 3 census tracts in this county (2001 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
47
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $3,382,058.
Mortgage activity
Home lending in this county
64.2%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 303 | 126 | 64.2% | 0% | $205,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Charles City County, Virginia
Charles City County maintains a stable, low-inventory housing market characterized by steady price growth and a seller-friendly environment. Limited new construction and a rural landscape keep supply tight, while demand remains consistent for those seeking proximity to the Richmond metro area without the density of city living.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 1 city · 1 ZIP report
Median prices moved sideways 0.0% year over year.
Homes spend a median of 81 days on market with 0.0 months of supply — a balanced-paced market.
0% of listings have cut prices · homes sell at 0% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.8% · poverty 9.2% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 1 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Charles City County, Virginia — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 16
| 23030 | Charles City | $285,750 | $165 | 0% | 81 | — | — | — | 16 | $1,073 | researched Sep 16 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Crime rates in Charles City County remain low compared to regional averages, with the area characterized by a rural, low-density environment that experiences minimal violent crime.
Public education is served by the Charles City County Public Schools district, which maintains a small-town focus with limited student enrollment and a focus on community-integrated learning.
The county faces moderate risk from seasonal wind events and localized flooding near the James and Chickahominy rivers, with standard insurance requirements for properties in designated floodplains.
Economic momentum is driven by its proximity to the Richmond-Petersburg metro area, with a focus on historic tourism, agriculture, and limited residential development projects.
The county operates under a local real estate tax assessment regime managed by the Commissioner of the Revenue, with rates set annually by the Board of Supervisors to fund local services.
The county offers extensive outdoor recreation including the Virginia Capital Trail, various historic plantations along the James River, and access to Chickahominy Riverfront Park.
The rental market is limited in depth due to the rural nature of the county, with very few multi-family developments and a reliance on single-family home rentals.
The economy is primarily driven by agriculture, government services, and tourism related to the county's historic sites and river access.
Transportation is dominated by private vehicle use along State Routes 5 and 155, with no significant public transit infrastructure.
The Commissioner of the Revenue conducts periodic real estate reassessments to ensure property values reflect current market conditions.
The county is served by local utility and fire districts, with no major regional hospital or college districts headquartered within its borders.
Property insurance premiums are generally stable, though properties near the riverfront may face higher costs due to flood zone designations.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A 52-mile multi-use trail connecting Richmond and Williamsburg that passes through the heart of the county.
Offers camping, boat ramps, and swimming pools along the Chickahominy River.
One of the oldest working plantations in the U.S., serving as a major historic landmark and tourist attraction.
Data retrieved from US Census Bureau and World Population Review 2026 estimates.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.