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Market MapLynchburg, VA
Metropolitan Area

Lynchburg, VA

Virginia0
59
/100
Hold
#533 of 894 metros
Top 60% nationally for investing

Market Snapshot

$276,873
Median Home Price
13% above national median
$1,279/mo
Median Rent
8% below national median
5.54%
Rent-to-Price Ratio
Top 62% nationally
-$620
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

20%
5%50%100%

Purchase

Purchase Price$276,873
Down Payment (20%)$55,375
Loan Amount$221,498
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,279
Monthly P&I-$1,451
Est. Expenses (35%)-$448
Net Cash Flow-$620/mo
3.6%
Cap Rate (all cash)
-11.7%
Cash-on-Cash Return
5.54%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.6% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
59/100
59
Cash Flow(30%)
53/100

Based on 5.54% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
66/100

Based on 2.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
71/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Affordable relative to local incomes
  • +Low unemployment (0.0%)

Challenges

  • -Negative cash flow at typical financing (-$620/mo)
  • -Negative leverage (cap rate 3.6% < mortgage rate 6.9%)

Counties in Lynchburg, VA

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Huron, SD
Huron, SD
79$185,106Est.Strong BuyView
Mount Vernon, IL
Mount Vernon, IL
79$131,612Est.Strong BuyView
Williamsport, PA
Williamsport, PA
79$224,545$1,7679.44%Strong BuyView
Norwalk, OH
Norwalk, OH
78$186,429$1,3268.54%Strong BuyView
Peoria, IL
Peoria, IL
78$162,247$1,1458.47%Strong BuyView
Current
Lynchburg, VA
59$276,873$1,2795.54%Hold

The Bottom Line

HoldLynchburg, VA is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Lynchburg, VA metro area scores 59/100, ranking #533 of 894 US metros (top 60%). The 5.54% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-620/mo
Cap Rate
3.6%
Cash-on-Cash
-13.4%

Ready to Invest in Lynchburg, VA?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

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