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Featured local agent — Plum Creek, VA
Sarah Mitchell
Compass Real Estate · Plum Creek, VA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Plum Creek, VA Housing Market
The last median sale price Redfin published was $195,000, -27.8% year over year (through May 2026). With homes going under contract in about 29 days, Plum Creek is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $195,000 home is about $1,041/mo in principal and interest.
Key numbers for Plum Creek, VA
Median sale price
$195,000
-27.8% year over year
Redfin, through January 2026
Days on market
29
Average pace
Redfin, through January 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$38,915
Home costs 5.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
97.7%
Selling below asking
Redfin, through January 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Plum Creek a buyer's or seller's market?
Plum Creek, VA is a balanced market and homes selling in about 29 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Plum Creek housing market data show?
Every row below is Redfin's final published month for Plum Creek, VA. Redfin, through January 2026
| Metric | Value |
|---|---|
| Median sale price | $195,000 |
| Year-over-year price change | -27.8% |
| Median price per sq ft | $193/sq ft |
| Median days on market | 29 days |
| Sale-to-list price ratio | 97.7% |
| Homes sold (that month) | 1 |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Plum Creek is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Plum Creek is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Plum Creek home prices moved?
Across the 34 months we hold for Plum Creek, VA, the median sale price rose 23.5%, from $157,900 in April 2021 to $195,000.
Redfin, through January 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Plum Creek?
Priced off the median sale price of $195,000 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $39,000 | $156,000 | $1,041/mo |
| 5% | $9,750 | $185,250 | $1,236/mo |
Redfin, through January 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,041, that implies roughly $44,615 a year before you add taxes and insurance. The median household in Plum Creek earns $38,915, about $5,700 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 5.0x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Plum Creek in the next 12 months?
Tell us your timeline. We send the Plum Creek market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Plum Creek?
Zillow does not publish a rent index (ZORI) for Plum Creek, VA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Plum Creek?
Active listings in Plum Creek, VA went from 1 in May 2023 to 1 in November 2025, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| June 2023 | 2 | 1 |
| August 2023 | 4 | 3 |
| October 2023 | 2 | 1 |
| November 2023 | 1 | 1 |
| December 2023 | 1 | not published |
| August 2024 | 1 | 1 |
| September 2024 | 1 | not published |
| December 2024 | 2 | 1 |
| January 2025 | 3 | 2 |
| March 2025 | 1 | 1 |
| April 2025 | 1 | not published |
| November 2025 | 1 | 1 |
Redfin, through November 2025
How does Plum Creek compare to Virginia and the U.S.?
Plum Creek homes sell for $195,000 — 61% below the Virginia median of $499,300. Against the national median of $410,700, Plum Creek runs 53% lower. Year-over-year, Plum Creek moved -27.8% against Virginia's +3.9% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Plum Creek, VA | $195,000 | -27.8% | 29 days |
| Virginia statewide | $499,300 | +3.9% | 28 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through January 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Plum Creek
What buyers should watch
- The gap between 5% and 20% down here is $195 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $195,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Plum Creek listing goes under contract in 29 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 97.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Comparable ZIP-level pricing inside Plum Creek varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Plum Creek
Explore homes currently listed for sale in Plum Creek, Virginia across major real estate platforms.
How much do homes cost in Plum Creek by property type?
How the Plum Creek, VA market breaks down across single-family homes, condos and townhouses. Redfin, through January 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $195,000 | $193/sq ft | 1 | 29 days |
Who lives in Plum Creek?
American Community Survey estimates for Plum Creek. U.S. Census ACS, 2023
Population
1,067
Households
520
Median income
$38,915/yr
Median age
39.8 years
Owner-occupied
66.3%
Median home value
$110,900
Median gross rent
$872/mo
Mean commute
20.2 min
66.3% of occupied homes in Plum Creek are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Plum Creek, VA?
Ordered by distance from Plum Creek, not by size. Compare Plum Creek side by side with any of them.
Plum Creek housing market FAQ
Is Plum Creek a buyer's or seller's market?
Plum Creek, VA is currently a balanced market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Plum Creek?
The median sale price in the last month Redfin published was $195,000, about $193 per square foot.
Is Plum Creek cheaper than the rest of Virginia?
Plum Creek's median sale price of $195,000 is 61% lower than the Virginia statewide median of $499,300, and 53% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Plum Creek?
Homes in Plum Creek, VA spent a median of 29 days on market before going under contract, versus 28 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Plum Creek?
At the current 30-year fixed rate of 7.03%, 20% down on a $195,000 home is about $1,041 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $44,615 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $38,915.
Are home prices rising in Plum Creek?
Redfin's last published year-over-year change for Plum Creek, VA was -27.8%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in Plum Creek?
Plum Creek ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Plum Creek?
That depends on your timeline, not on a headline. What the data says today: Plum Creek, VA is a balanced market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $195,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.