Is Loudoun County, VA good for real estate investing?

Loudoun County has an investment score of 49/100, rated as "Hold". The county ranks #803 nationally among 1000 counties analyzed.

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

The rent-to-price ratio in Loudoun County is 4.11% annually, which ranks in the 7th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Loudoun?

The median home price in Loudoun County is $778,995. This ranks #977 in affordability among all US counties.

Can you cash flow on rental properties in Loudoun?

Based on median values with 20% down at current rates, a typical rental in Loudoun County would generate negative cash flow of $2,349/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Loudoun County

VirginiaPopulation: 420,773

/100

Hold

#803 of 1,000 counties

#114 in Virginia (133 counties)

Market Snapshot

$778,995

Median Home Price

185% above national median

$2,669/mo

Median Rent

78% above national median

4.11%

Rent-to-Price Ratio

Top 93% nationally

-$2,349

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$778,995

Down Payment (20%)$155,799

Loan Amount$623,196

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,669

Monthly P&I-$4,084

Est. Expenses (35%)-$934

Net Cash Flow-$2,349/mo

2.7%

Cap Rate (all cash)

-15.7%

Cash-on-Cash Return

4.11%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 2.7% 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

49/100

Cash Flow(30%)

32/100

Based on 4.11% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

60/100

Based on 1.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

61/100

Price-to-income ratio of 4.6x. Lower ratios indicate more affordable markets.

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 (4.11%)
-Negative cash flow at typical financing (-$2,349/mo)
-Negative leverage (cap rate 2.7% < mortgage rate 6.9%)

Economic Indicators

Population

420,773

Median Income

$170,463

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

4.6x

Moderately affordable

Compare to Nearby Counties

County					Verdict
Prince WilliamVA	52	$573,238	$2,229	4.67%	Hold	View
GoochlandVA	51	$563,567	$1,852	3.94%	Hold	View
CurrentLoudounVA	49	$778,995	$2,669	4.11%	Hold
Richmond CityVA	49	$355,757	$1,578	5.32%	Hold	View
AlbemarleVA	49	$536,086	$1,951	4.37%	Hold	View
Alexandria CityVA	46	$664,552	$2,303	4.16%	Hold	View

The Bottom Line

HoldLoudoun is a neutral market. Consider house hacking or targeting below-market deals.

Loudoun County in Virginia scores 49/100, ranking #803 of 1,000 US counties (top 80%). The 4.11% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-2,349/mo

Cap Rate

2.7%

Cash-on-Cash

-15.7%

Ready to Analyze a Deal in Loudoun?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$778,995

Down Payment (20%)$155,799

Loan Amount$623,196

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,669

Monthly P&I-$4,084

Est. Expenses (35%)-$934

Net Cash Flow-$2,349/mo

2.7%

Cap Rate (all cash)

-15.7%

Cash-on-Cash Return

4.11%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 2.7% 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

49/100

Cash Flow(30%)

32/100

Based on 4.11% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

60/100

Based on 1.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

61/100

Price-to-income ratio of 4.6x. Lower ratios indicate more affordable markets.

Compare to Nearby Counties

County					Verdict
Prince WilliamVA	52	$573,238	$2,229	4.67%	Hold	View
GoochlandVA	51	$563,567	$1,852	3.94%	Hold	View
CurrentLoudounVA	49	$778,995	$2,669	4.11%	Hold
Richmond CityVA	49	$355,757	$1,578	5.32%	Hold	View
AlbemarleVA	49	$536,086	$1,951	4.37%	Hold	View
Alexandria CityVA	46	$664,552	$2,303	4.16%	Hold	View

The Bottom Line

HoldLoudoun is a neutral market. Consider house hacking or targeting below-market deals.

Monthly Cash Flow

$-2,349/mo

Cap Rate

2.7%

Cash-on-Cash

-15.7%