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Market MapVirginiaJames City

James City County

VirginiaPopulation: 78,818Virginia Beach, VA Metro
52
/100
Hold
#513 of 1,000 counties
#97 in Virginia (133 counties)

Market Snapshot

$469,809
Median Home Price
101% above national median
$1,968/mo
Median Rent
30% above national median
5.03%
Rent-to-Price Ratio
Top 73% nationally
-$1,184
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$469,809
Down Payment (20%)$93,962
Loan Amount$375,847
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,968
Monthly P&I-$2,463
Est. Expenses (35%)-$689
Net Cash Flow-$1,184/mo
3.3%
Cap Rate (all cash)
-13.2%
Cash-on-Cash Return
5.03%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.3% 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 AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
52/100
52
Cash Flow(30%)
45/100

Based on 5.03% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
56/100

Based on 0.7% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
60/100

Price-to-income ratio of 4.7x. 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 (5.03%)
  • -Negative cash flow at typical financing (-$1,184/mo)
  • -Negative leverage (cap rate 3.3% < mortgage rate 6.9%)

Economic Indicators

Population
78,818
Median Income
$100,711
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
4.7x
Moderately affordable

Compare to Nearby Counties

CountyVerdict
King GeorgeVA
54$460,790$1,6894.40%HoldView
FauquierVA
53$626,968$2,0944.01%HoldView
CurrentJames CityVA
52$469,809$1,9685.03%Hold
AmherstVA
52$253,199$1,0745.09%HoldView
Prince WilliamVA
52$573,238$2,2294.67%HoldView
RappahannockVA
50$553,653Est. pending—HoldView

The Bottom Line

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

James City County in Virginia scores 52/100, ranking #513 of 1,000 US counties (top 68%). The 5.03% 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
$-1,184/mo
Cap Rate
3.3%
Cash-on-Cash
-13.2%

Ready to Analyze a Deal in James City?

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