Published October 7, 2026 in Market Update

One part of Woodbridge is still moving fast despite 7% mortgage rates

By Johnny Quilenderino

Real estate, woodbridge

I am going to give you the inside picture on Woodbridge right now. Rates are above 7%. Realtor.com confirmed that mortgage rates climbed above 7% for the first time since January 2025. That is a real headwind. But one ZIP code in Woodbridge is still outrunning it, and that changes what you should do if you are selling or buying there.

ZIP 22193 is the ZIP that kept moving

The Real Estate Data Aggregator counted 285 homes sold in ZIP 22193 during the three months ending July 31, 2026. That is up 39.7% from the same months of 2025. Prices rose too, up 3.6% to a median of $540,000. Days on market fell 4 days shorter than a year ago, to 30 days. No other Woodbridge ZIP matched that combination.

Why 1.7 months of supply matters to you as a seller

The Real Estate Data Aggregator put months of supply in ZIP 22193 at 1.7 months for the three months ending July 31, 2026. That is tight. Six months is considered balanced. At 1.7 months, buyers have very few choices. A well-priced home does not sit. It competes.

More than half of homes went under contract in two weeks

The Real Estate Data Aggregator found that 58.4% of homes in ZIP 22193 went under contract within two weeks of listing, in the three months ending July 31, 2026. That share actually rose 1.3 points from a year before. In ZIP 22191, that number was 45.5% and falling. In ZIP 22192, it was 52.6% and also falling. ZIP 22193 is the one ZIP where speed held up.

Sellers in ZIP 22193 got above asking price on average

The Real Estate Data Aggregator recorded an average sale-to-list ratio of 100.2% in ZIP 22193 for the three months ending July 31, 2026. That means the average home sold for more than its list price. ZIPs 22191 and 22192 both came in at 99.8%. The difference is small but real: in 22193, pricing right earns you a little extra. In the other two ZIPs, you are more likely to land at or just under list.

The honest picture: the whole market slowed a little

I will not oversell this. Across all three Woodbridge ZIPs combined, the Real Estate Data Aggregator counted 675 homes sold in the three months ending July 31, 2026, up 16.2% from a year ago. That sounds strong. But pending sales in ZIP 22191 fell 15.4% year over year, and homes sold there dropped 11.9%. Nationally, Realtor.com reported that 20.8% of listings took a price cut in September 2026, the highest share since October 2022. Woodbridge is not immune. ZIP 22193 is the exception, not the rule for the whole area.

What rates above 7% mean for buyers here

Realtor.com confirmed rates climbed above 7% for the first time since January 2025. CNBC reported the average 30-year fixed rate on conforming loans reached 7.30% as of September 30, 2026. That raises your monthly payment on a $540,000 purchase by a meaningful amount compared with a year ago. If you are buying in ZIP 22193, you need to be ready to move quickly and come in with clean terms. Nearly 3 in 5 homes there went under contract inside two weeks. There is no time to hesitate and renegotiate.

Many buyers in Woodbridge use VA loans. Fort Belvoir and Quantico both send PCS buyers to this market. VA financing works fine here. What matters is that your offer is complete and your agent knows the VA appraisal requirements before you write. A VA offer is not a weak offer when it is prepared correctly.

What to do if you are selling in ZIP 22193

What to do if you are buying in ZIP 22193

These numbers cover the three months ending July 31, 2026. Your street may read differently from the ZIP code average. One block, one price range or one home type can sit in a completely different position than the number above suggests.