512 Polk St · Lynchburg, VA
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $507 – $1,088
Fire risk 3/10 · Minor
- Est. fire insurance / yr
- $666 – $1,236
Heat risk 6/10 · Moderate
- Hot days now (above 102°F)
- 7 days/yr
- Hot days in 30 yrs
- 18 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- 3.0%
Air-quality risk 2/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 1 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the C+ grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +24.7/30.0
- ARV discount +9.2/15.0
- DSCR +8.0/10.0
- 1% rule +5.4/10.0
- Livability +4.5/5.0
- Schools +4.0/10.0
- Rent growth +3.6/5.0
- Condition / age +2.5/5.0
- Appreciation +0.0/10.0
$139,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks MLS
Located in the heart of downtown, this property offers an unbeatable combination of location and value. Whether you're a first-time homebuyer, investor, or someone looking to add your personal touch, this home is a fantastic opportunity. The maintenance-free exterior ensures easy upkeep, while the main level features a spacious living room and an additional room that could serve as a second bedroom, formal dining room, or home officethe choice is yours! The flat, partially fenced backyard provides a perfect space for pets, gardening, or entertaining. Upstairs, you'll find a private bedroom and full bathroom, offering separation from the main living space. Don't miss out on this investment in a desirable downtown location.
Key facts
- Private bedroom
- Flat backyard
- Thoughtful layout
Tags
Property features AI
Finance
- Other: Property listed as residential single family; Lot size about 0.0825 acres
Exterior
- Utilities: Public water; Public sewer; Cable available
- Home design: Single family residence; 2 stories
- Construction: Metal roof
- Exterior features: Porch; Storm doors; Fenced yard; Metal roof
Interior
- Kitchen: Refrigerator
- Flooring: Carpet; Vinyl
- Bathrooms: 1 full bathroom
- Heating & cooling: Oil heating; Central air conditioning
- Interior features: Refrigerator; Electric water heater; Crawl space basement
- Laundry & utility: Laundry on main level
Neighborhood map
What this means for you Summary
Snapshot
- This is a 3-bed/1.0-bath single-family listed at $140k.
Deal economics
- At list price, monthly cash flow is $293 ($4k/yr) — positive.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($1k rent vs $140k).
- Recommended offer: $138k (1.5% below list) — sets the bar for market timing.
- Cap rate 8.8% vs local median 4.0% in Lynchburg — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 91/100 on livability (#1 in VA, #58 nationally) — a professional / high-income tenant draw. Strengths: amenities A+, commute A+, cost of living A+; Watch: crime C-, employment D+.
- Lynchburg City Public School District (urban): math 36% / reading 61% proficiency, ranked #104 of 131 in VA (top 79%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 61% free/reduced lunch — lower-income household profile, screen leases tightly.
- Market conditions: Rents rising fast (+4.6%/yr); 105 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals at typical pace (median 22d on market — plan ~3-4 weeks tenant-placement turnaround); 472 units permitted in Lynchburg city in 2024 (240 in 5+ unit buildings).
- This rent runs 33% of the median local income ($53k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $967 of loan paydown is wiped out by about $4k of value loss. Plan a longer hold.
- Lynchburg County population projected at +37% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.
- At projected returns (-3.0% appreciation + 4.6% rent growth), your $39k cash investment doubles in ~10 years — after that, you're playing with house money.
Negotiation context
- It's been on market 26 days — a 2% lower offer ($138k) is reasonable based on typical stale-listing flexibility.
- 5 sale attempts; this cycle's ask is 10703% above the opening price — seller raised mid-cycle; expect resistance to lowballs.
- Current owner paid $68k; list at $140k implies a 107% gain — meaningful room to come down on a strong offer.
Risks & watch-outs
- Watch-outs: built in 1883 — expect roof / HVAC / electrical / plumbing capex.
- Climate carrying-cost: extreme-heat days projected 7→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.
Questions for the listing agent
- Built in 1883 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 1.04% ✓
- Cap rate
- 8.81%
- Cash-on-cash
- 8.98%
- DSCR
- 1.40
- GRM
- 8.0
CMA / ARV
- ARV (median comp)
- $145,414
- List price
- $139,900
- Delta
- -3.79%
- Verdict
- FAIR
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 512 Polk St | 0.00mi | 2/1.0 (-1) | 1,340 (0%) | 6mo | $67,500 | $50 | 90 |
| 707 Jackson St. St | 0.14mi | 3/1.5 | 1,358 (+1%) | 12mo | $179,900 | $132 | 79 |
| 84 Polk St | 0.35mi | 3/2.0 | 1,404 (+5%) | 2mo | $185,000 | $132 | 70 |
| 1205 Fillmore St | 0.57mi | 3/1.0 | 1,370 (+2%) | 3mo | $47,500 | $35 | 67 |
| 610 Monroe Street St | 0.11mi | 2/1.0 (-1) | 1,224 (-9%) | 12mo | $82,000 | $67 | 66 |
| 623 Monroe St | 0.13mi | 3/2.5 | 1,536 (+15%) | 11mo | $172,500 | $112 | 54 |
| 1900 Park Ave | 0.72mi | 3/1.5 | 1,244 (-7%) | 3mo | $172,000 | $138 | 50 |
| 820 Polk St St | 0.23mi | 2/1.5 (-1) | 1,517 (+13%) | 12mo | $115,000 | $76 | 50 |
| 1312 Taylor St | 0.57mi | 2/— (-1) | 1,463 (+9%) | 4mo | $25,000 | $17 | 49 |
| 1004 Buchanan St | 0.54mi | 3/1.0 | 1,512 (+13%) | 11mo | $179,900 | $119 | 44 |
| 1518 14th St | 0.70mi | 2/1.5 (-1) | 1,244 (-7%) | 8mo | $137,800 | $111 | 42 |
| 1626 Caroline St | 0.60mi | 4/1.0 (+1) | 1,516 (+13%) | 7mo | $50,000 | $33 | 39 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 4.56% rent growth · sell at horizon
- IRR
- -1.1%
- Equity multiple
- 0.96×
- Total profit
- $-1,722
- Equity at exit
- $20,860
- IRR
- 10.0%
- Equity multiple
- 1.82×
- Total profit
- $32,212
- Equity at exit
- $12,096
Cash invested: $39,172 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 55 Moderately Landlord-Leaning
- State Virginia
- 55 Moderately Landlord-Leaning · D+2
- County
- — inherits STATE
- City
- — inherits STATE
ZIP-level market 24504
- Home prices YoY
- -12.7%
- Rents YoY
- 4.6%
- Active inventory
- 105
- Price-to-rent
- 8.0×
Monthly cashflow live
- Estimated rent
- $1,459 high interval (Pro) →
- Mortgage (P&I)
- −$734
- Tax from tax record
- −$68 /mo · $816/yr
- Insurance
- −$58
- HOA
- −$0
- Vacancy / Maint / Mgmt
- −$306
- Net cashflow
- $293
Break-even live
Sensitivity live
| Price | -10% $372 | -5% $333 | +0% $293 | +5% $253 | +10% $214 |
|---|---|---|---|---|---|
| Rent | -10% $178 | -5% $235 | +0% $293 | +5% $351 | +10% $408 |
| Rate | -1.0pp $364 | -0.5pp $329 | base $293 | +0.5pp $257 | +1.0pp $220 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $34,975
- Closing costs
- $4,197
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Down + closing
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 512 Polk St Lynchburg, VA | 3.0 | 1.0 | 1340 | $1,295 | $0.97 | 21d | 1 | 0.02mi |
| 601 Jackson St Lynchburg, VA | 3.0 | 2.0 | 1138 | $1,595 | $1.40 | 44d | 1 | 0.07mi |
| 317 Polk St Lynchburg, VA | 3.0 | 2.0 | 925 | $1,650 | $1.78 | 44d | 1 | 0.12mi |
| 1008 8th St Lynchburg, VA | 3.0 | 2.0 | 1316 | $1,795 | $1.36 | 21d | 1 | 0.20mi |
| 812 Taylor St Lynchburg, VA | 3.0 | 2.0 | 1872 | $1,950 | $1.04 | 14d | 1 | 0.27mi |
| 900 Polk St Unit A Lynchburg, VA | 3.0 | 1.0 | 1100 | $895 | $0.81 | 14d | 1 | 0.27mi |
| 800 Pierce St Lynchburg, VA | 4.0 | 1.0 | 1714 | $1,295 | $0.76 | 44d | 1 | 0.43mi |
| 801 Church St Unit 8 Lynchburg, VA | 2.0 | 2.0 | 875 | $1,850 | $2.11 | 14d | 1 | 0.44mi |
| 1105 Fillmore St Unit B Lynchburg, VA | 3.0 | 1.0 | 1300 | $1,250 | $0.96 | 44d | 1 | 0.54mi |
| 612 Commerce St Lynchburg, VA | 1.0–2.0 | 1.0–2.0 | 716 | $1,250 | $1.74 | 14d | 2 | 0.56mi |
| 1106 Pierce St Lynchburg, VA | 3.0 | 2.0 | 1018 | $875 | $0.86 | 21d | 1 | 0.56mi |
| 1316 Harrison St Lynchburg, VA | 3.0 | 1.5 | 1535 | $1,500 | $0.98 | 44d | 1 | 0.60mi |
| 1705 1st St Unit A Lynchburg, VA | 2.0 | 1.0 | 1100 | $1,395 | $1.27 | 21d | 1 | 0.60mi |
| 507 Victoria Ave Unit 507 Lynchburg, VA | 4.0 | 2.0 | 1480 | $1,700 | $1.15 | 21d | 1 | 0.65mi |
| 1219 Pierce St Unit 1221 Lynchburg, VA | 2.0 | 1.0 | 1168 | $825 | $0.71 | 14d | 1 | 0.66mi |
| 209 Munford St Lynchburg, VA | 3.0 | 2.5 | 1420 | $1,497 | $1.05 | 45d | 1 | 0.69mi |
| 1415 Floyd St Lynchburg, VA | 3.0 | 2.0 | 1300 | $1,800 | $1.38 | 21d | 1 | 0.70mi |
| 1521 Taylor St Lynchburg, VA | 3.0 | 1.0 | 1337 | $1,195 | $0.89 | 21d | 1 | 0.74mi |
| 1514 Fillmore St Lynchburg, VA | 3.0 | 2.5 | 1560 | $1,800 | $1.15 | 14d | 1 | 0.78mi |
| 1518 Fillmore St Lynchburg, VA | 3.0 | 2.5 | 1560 | $1,800 | $1.15 | 14d | 1 | 0.79mi |
| 1308 16th St Lynchburg, VA | 3.0 | 2.0 | 1380 | $1,800 | $1.30 | 14d | 1 | 0.79mi |
| 1401 Kemper St Lynchburg, VA | 2.0–3.0 | 2.0 | 1118 | $1,167 | $1.04 | 21d | 6 | 0.80mi |
| 1500 Main St Lynchburg, VA | 1.0–2.0 | 1.0 | 1182 | $1,600 | $1.35 | 14d | 6 | 0.88mi |
| 630 Park Ln Lynchburg, VA | 4.0 | 1.5 | 1434 | $1,895 | $1.32 | 14d | 1 | 0.95mi |
| 403 Grove St Lynchburg, VA | 3.0 | 2.0 | 1400 | $1,600 | $1.14 | 44d | 1 | 1.02mi |
| 317 Grove St Unit A Lynchburg, VA | 2.0 | 1.0 | 900 | $895 | $0.99 | 44d | 1 | 1.03mi |
| 318 Wadsworth St Lynchburg, VA | 3.0 | 1.0 | 943 | $995 | $1.06 | 21d | 1 | 1.06mi |
| 1348 Bedford Ave Lynchburg, VA | 2.0 | 1.0 | 1089 | $895 | $0.82 | 14d | 1 | 1.10mi |
| 710 Grady St Unit B Lynchburg, VA | 2.0 | 1.0 | 1872 | $795 | $0.42 | 14d | 1 | 1.18mi |
| 2269 Aragon St Lynchburg, VA | 3.0 | 2.0 | 1200 | $1,695 | $1.41 | 44d | 1 | 1.20mi |
| 2245 Landover Pl Lynchburg, VA | 1.0–3.0 | 1.0–1.5 | 925 | $965 | $1.04 | 44d | 2 | 1.21mi |
| 2734 Fort Ave Lynchburg, VA | 1.0–2.0 | 1.0–2.0 | 875 | $1,450 | $1.66 | 44d | 1 | 1.24mi |
| 2336 Aragon St Lynchburg, VA | 2.0 | 1.0 | 1042 | $995 | $0.95 | 14d | 1 | 1.25mi |
| 320 Kenyon St Lynchburg, VA | 3.0 | 2.0 | 1736 | $1,595 | $0.92 | 44d | 1 | 1.28mi |
| 216 Kenyon St Lynchburg, VA | 2.0 | 1.0 | 1114 | $995 | $0.89 | 44d | 1 | 1.30mi |
| 1625 Shaffer St Lynchburg, VA | 2.0 | 1.0 | 895 | $850 | $0.95 | 44d | 1 | 1.33mi |
| 1808 Rivermont Ave Apt B Lynchburg, VA | 3.0 | 1.0 | 1100 | $995 | $0.90 | 21d | 1 | 1.39mi |
| 2013 Early St Unit 2013 1/2 Lynchburg, VA | 2.0 | 1.0 | 900 | $995 | $1.11 | 21d | 1 | 1.43mi |
| 2202 Hollins Mill Rd Lynchburg, VA | 3.0 | 1.0 | 1800 | $1,400 | $0.78 | 21d | 1 | 1.46mi |
| 2920 Richmond St Lynchburg, VA | 4.0 | 1.0 | 1472 | $1,695 | $1.15 | 21d | 1 | 1.47mi |
Listing history 11 events
-
2026-05-13price $139,900 668-char remark
-
2026-05-09price $144,900 668-char remark
-
2026-04-30$149,900 Active 668-char remark
-
2025-12-23soldstatus $67,500 Closed 731-char remark
Show marketing remark (731 chars)
Located in the heart of downtown, this property offers an unbeatable combination of location and value. Whether you're a first-time homebuyer, investor, or someone looking to add your personal touch, this home is a fantastic opportunity. The maintenance-free exterior ensures easy upkeep, while the main level features a spacious living room and an additional room that could serve as a second bedroom, formal dining room, or home officethe choice is yours! The flat, partially fenced backyard provides a perfect space for pets, gardening, or entertaining. Upstairs, you'll find a private bedroom and full bathroom, offering separation from the main living space. Don't miss out on this investment in a desirable downtown location.
-
2025-12-16status Pending 731-char remark
Show marketing remark (731 chars)
Located in the heart of downtown, this property offers an unbeatable combination of location and value. Whether you're a first-time homebuyer, investor, or someone looking to add your personal touch, this home is a fantastic opportunity. The maintenance-free exterior ensures easy upkeep, while the main level features a spacious living room and an additional room that could serve as a second bedroom, formal dining room, or home officethe choice is yours! The flat, partially fenced backyard provides a perfect space for pets, gardening, or entertaining. Upstairs, you'll find a private bedroom and full bathroom, offering separation from the main living space. Don't miss out on this investment in a desirable downtown location.
-
2025-11-17status Active 731-char remark
Show marketing remark (731 chars)
Located in the heart of downtown, this property offers an unbeatable combination of location and value. Whether you're a first-time homebuyer, investor, or someone looking to add your personal touch, this home is a fantastic opportunity. The maintenance-free exterior ensures easy upkeep, while the main level features a spacious living room and an additional room that could serve as a second bedroom, formal dining room, or home officethe choice is yours! The flat, partially fenced backyard provides a perfect space for pets, gardening, or entertaining. Upstairs, you'll find a private bedroom and full bathroom, offering separation from the main living space. Don't miss out on this investment in a desirable downtown location.
-
2025-11-03status Pending 731-char remark
Show marketing remark (731 chars)
Located in the heart of downtown, this property offers an unbeatable combination of location and value. Whether you're a first-time homebuyer, investor, or someone looking to add your personal touch, this home is a fantastic opportunity. The maintenance-free exterior ensures easy upkeep, while the main level features a spacious living room and an additional room that could serve as a second bedroom, formal dining room, or home officethe choice is yours! The flat, partially fenced backyard provides a perfect space for pets, gardening, or entertaining. Upstairs, you'll find a private bedroom and full bathroom, offering separation from the main living space. Don't miss out on this investment in a desirable downtown location.
-
2025-10-24status Active 731-char remark
Show marketing remark (731 chars)
Located in the heart of downtown, this property offers an unbeatable combination of location and value. Whether you're a first-time homebuyer, investor, or someone looking to add your personal touch, this home is a fantastic opportunity. The maintenance-free exterior ensures easy upkeep, while the main level features a spacious living room and an additional room that could serve as a second bedroom, formal dining room, or home officethe choice is yours! The flat, partially fenced backyard provides a perfect space for pets, gardening, or entertaining. Upstairs, you'll find a private bedroom and full bathroom, offering separation from the main living space. Don't miss out on this investment in a desirable downtown location.
-
2025-09-26price $95,000 731-char remark
Show marketing remark (731 chars)
Located in the heart of downtown, this property offers an unbeatable combination of location and value. Whether you're a first-time homebuyer, investor, or someone looking to add your personal touch, this home is a fantastic opportunity. The maintenance-free exterior ensures easy upkeep, while the main level features a spacious living room and an additional room that could serve as a second bedroom, formal dining room, or home officethe choice is yours! The flat, partially fenced backyard provides a perfect space for pets, gardening, or entertaining. Upstairs, you'll find a private bedroom and full bathroom, offering separation from the main living space. Don't miss out on this investment in a desirable downtown location.
-
2025-07-14price $105,000 731-char remark
Show marketing remark (731 chars)
Located in the heart of downtown, this property offers an unbeatable combination of location and value. Whether you're a first-time homebuyer, investor, or someone looking to add your personal touch, this home is a fantastic opportunity. The maintenance-free exterior ensures easy upkeep, while the main level features a spacious living room and an additional room that could serve as a second bedroom, formal dining room, or home officethe choice is yours! The flat, partially fenced backyard provides a perfect space for pets, gardening, or entertaining. Upstairs, you'll find a private bedroom and full bathroom, offering separation from the main living space. Don't miss out on this investment in a desirable downtown location.
-
2025-06-12$109,900 Active 731-char remark
Show marketing remark (731 chars)
Located in the heart of downtown, this property offers an unbeatable combination of location and value. Whether you're a first-time homebuyer, investor, or someone looking to add your personal touch, this home is a fantastic opportunity. The maintenance-free exterior ensures easy upkeep, while the main level features a spacious living room and an additional room that could serve as a second bedroom, formal dining room, or home officethe choice is yours! The flat, partially fenced backyard provides a perfect space for pets, gardening, or entertaining. Upstairs, you'll find a private bedroom and full bathroom, offering separation from the main living space. Don't miss out on this investment in a desirable downtown location.
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast VA · Resets to sale price
- Current annual tax
- $816 · $68/mo
- Projected year-2 tax
- $1,147 · $96/mo
- Expected delta
- +$332/yr (+$28/mo · 40.6%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 3/10 Moderate
- Heat 6/10 Major 7 d/yr ≥102°F today · 18 d/yr by 30 yrs out
- Wind 2/10 Low 3% chance of damaging wind over 30 yrs
- Air quality 2/10 Low 0 unhealthy d/yr today · 1 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $17,514
- − Mortgage interest
- −$7,837
- − Property taxes
- −$816
- − Insurance
- −$700
- − Repairs & maintenance
- −$1,401
- − Management
- −$1,401
- − Depreciation
- −$4,070
- Taxable income
- $1,290
- Est. tax owed @ 24.0%
- −$310
- After-tax cash flow
- $3,207/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Schools (NCES district)
- District
- Lynchburg City Public School District
- NCES district ID
- 5102340
- Math proficiency
- 36% ▼ -38.00%
- Reading proficiency
- 61% ▼ -8.00%
- Median HH income
- $39,097
- Composite
- 40.4/100
- National rank
- #3730
- State rank
- #104 of 131 in VA
Livability — Lynchburg
- Score
- 91/100
- State rank
- #1
- US rank
- #58
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Lynchburg, VA
- County
- Lynchburg City · 97,036 people
- City population
- 97,036
- Metro
- Lynchburg, VA
- Population (ZIP)
- 9,632
- Household income
- $52,571
- Rent vs Own
- Severe rent burden
- 552.0
Population outlook (Lynchburg County) Hauer SSP2
- Today (2025)
- 87,977 people
- By 2030
- 93,626 · +6.4%
- By 2040
- 106,145 · +20.7%
- By 2050
- 120,783 · +37.3%
- By 2075
- 162,249 · +84.4%
- By 2100
- 191,358 · +117.5%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Diverse neighborhood (Simpson 0.57)
- Race & ethnicity
- White 51% Black 40% Two or more races 6% Hispanic / Latino 4%
- Common ancestry
- Italian 3% Lithuanian 1% Serbian 1%
- Foreign-born
- 4% · Canada, China
- Languages at home
- 95% English-only · Spanish 3% Chinese 1%
Political lean MEDSL · Lynchburg
- 2024 margin
- Lean R (+7.9) · D 45.4% · R 53.3% · Other 1.3%
- 2008→2024 swing
- -3.9pp toward R · 2008: -4.0pp · 2024: -7.9pp
- All cycles
- 2024: R+7.9 2020: D+2.6 2016: R+9.0 2012: R+10.6 2008: R+4.0
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -33.39%
- Current HPI
- 229.4423
- Rent YoY
- ▲ 4.56%
- Metro
- Lynchburg, VA
- State GDP YoY
- ▲ 2.40%
- F500 in state
- 50
Industry mix (Fortune 500 HQ in VA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Aerospace / Defense | 4 | $236B |
|
||
| Technology / Defense | 3 | $32B |
|
||
| Financial Services | 2 | $176B |
|
||
| Utilities | 2 | $27B |
|
||
| Insurance | 2 | $25B |
|
||
| Technology | 2 | $15B |
|
||
Price history
-98.8% since first listed13 events — show timeline
- 2026-05-27 Listed for Rent $1,295 RentEngineListings
- 2026-05-26 Price Changed $149,900 LMLS
- 2026-05-13 Price Changed $139,900 LMLS
- 2026-05-09 Price Changed $144,900 LMLS
- 2026-04-30 Listed $149,900 LMLS
- 2025-12-23 Sold (MLS) $67,500 LMLS
- 2025-12-16 Pending — LMLS
- 2025-11-17 Relisted — LMLS
- 2025-11-03 Pending — LMLS
- 2025-10-24 Relisted — LMLS
- 2025-09-26 Price Changed $95,000 LMLS
- 2025-07-14 Price Changed $105,000 LMLS
- 2025-06-12 Listed $109,900 LMLS
Property tax history
+5.6%/yrLatest (2025): $816 · +62.8% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…