Is Albemarle County, VA good for real estate investing?

Albemarle County has an investment score of 44/100, rated as "Avoid". The county ranks #702 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Albemarle?

The rent-to-price ratio in Albemarle County is 4.33% annually, which ranks in the 11th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Albemarle?

The median home price in Albemarle County is $561,513. This ranks #950 in affordability among all US counties.

Can you cash flow on rental properties in Albemarle?

Based on median values with 20% down at current rates, a typical rental in Albemarle County would generate negative cash flow of $1,626/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Albemarle County

VirginiaPopulation: 112,513

/100

Avoid

#702 of 1,000 counties

#117 in Virginia (133 counties)

Analysis by RentalCalcs ResearchIndependent data + algorithm-driven scoring

Updated August 31, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$561,513

Median Home Price

145% above national median

$2,026/mo

Median Rent

40% above national median

4.33%

Rent-to-Price Ratio

Top 89% nationally

-$1,626

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Scenario comparison

Same $2,026/mo rent assumption, 20% down, 6.85% rate. What changes is the acquisition price.

Scenario	Purchase price	Monthly cash flow	Cap rate	Cash-on-cash
75% of median value-add or distressed	$421,135	-$890/mo	3.8%	-11.0%
Median typical MLS deal	$561,513	-$1,626/mo	2.8%	-15.1%
125% of median newer / premium	$701,891	-$2,362/mo	2.3%	-17.6%

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$561,513

Down Payment (20%)$112,303

Loan Amount$449,210

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,026

Monthly P&I-$2,943

Est. Expenses (35%)-$709

Net Cash Flow-$1,626/mo

2.8%

Cap Rate (all cash)

-15.1%

Cash-on-Cash Return

4.33%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 2.8% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

44/100

Cash Flow(30%)

35/100

Based on 4.33% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

67/100

Based on 1.7% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

20/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Below-average rent-to-price ratio (4.33%)
-Negative cash flow at typical financing (-$1,626/mo)
-Negative leverage (cap rate 2.8% < mortgage rate 6.9%)
-High price-to-income ratio makes financing challenging

Economic Indicators

Population

112,513

Median Income

—

Data pending

Unemployment Rate

—

Data pending

Price-to-Income

—

Data pending

Who this market fits

Best for

+All-cash buyers: removing debt service flips the cap rate to actual yield

Skip if

−You need positive cash flow on day one at typical leverage
−You can't tolerate negative leverage (cap rate below mortgage rate today)
−You rely on FHA-style financing: prices are stretched relative to local incomes
−You want a market with broad institutional consensus on fundamentals

Compare to Nearby Counties

County					Verdict
RappahannockVA	50	$553,653	Est. pending	—	Hold	View
BuchananVA	47	$74,741	Est. pending	—	Hold	View
BrunswickVA	47	$130,410	Est. pending	—	Hold	View
Fairfax CityVA	46	$755,224	$2,447	3.89%	Hold	View
CurrentAlbemarleVA	44	$561,513	$2,026	4.33%	Avoid
Emporia CityVA	44	$140,161	Est. pending	—	Avoid	View

The Bottom Line

AvoidAlbemarle may be challenging for traditional rentals. High prices or low rents make cash flow difficult.

Albemarle County in Virginia scores 44/100, ranking #702 of 1,000 US counties (top 90%). At 20% down and current rates, a median-priced rental loses about $1626/month; the 4.33% gross rent-to-price ratio doesn't survive debt service. The thesis here is appreciation, value-add, house hacking, or all-cash.

Monthly Cash Flow

$-1,626/mo

Cap Rate

2.8%

Cash-on-Cash

-15.1%