Fluvanna County

Virginia · Charlottesville, VA metro area · 28,975 residents (2025 est.)

FHFA annual index 1986–2025Developmental county indexPermits through August 2026

Fluvanna County (100 = first year)United States, rebased to the same startNBER recession

FHFA notes: The FHFA HPI is a broad measure of the movement of single-family house prices. The FHFA HPI is a weighted, repeat-sales index, meaning that it measures average price changes in repeat sales or refinancings on the same properties. FHFA describes its county indexes as developmental and subject to revision. The index does not give a dollar value for any home.

Fluvanna County, Virginia (Charlottesville, VA area), has an FHFA house price index from 1986. Through 2025 it has risen +289.3%, from 100 to 389.

Over the ten years to 2025 the index rose +69.3% (+5.4% a year), below Virginia at +74.6% and well below the national +85.0%. The Charlottesville, VA area rose +77.8%. The latest one-year change is −0.8%.

The strongest decade was the 2000s (+58.5%); the weakest the 2010s (+5.2%).

After a 2007 peak the index fell −22.5% to 2014 and regained the peak in 2022.

Builders were authorised for 176 housing units in the county in the 12 months to August 2026 (−4.9% on the previous 12 months), 6.1 units per 1,000 residents; 100% were single-family houses. Since 1995 the county has authorised 6,306 units, most in 2001.

−0.8%1 year, 2024–2025Virginia +3.7%

+43.8%5 yearsUS +47.0%

+69.3%10 years+5.4% a year annualised

+139.8%since 2000US +158.3%

176units permitted, 12 months6.1 per 1,000 residents

Same span, four levels

Change in the FHFA index	Fluvanna County	Charlottesville area	Virginia	United States
1 year (2024–2025)	−0.8%	+3.3%	+3.7%	+2.8%
5 years (2020–2025)	+43.8%	+49.0%	+48.7%	+47.0%
10 years (2015–2025)	+69.3%	+77.8%	+74.6%	+85.0%
20 years (2005–2025)	+53.0%	+80.4%	+70.8%	+79.1%
Since 2000	+139.8%	+195.5%	+188.6%	+158.3%
Since 1986	+289.3%	+418.6%	+377.8%	+347.1%
10-year annualised	+5.4%	+5.9%	+5.7%	+6.3%
20-year annualised	+2.1%	+3.0%	+2.7%	+3.0%

All columns are FHFA annual all-transactions indexes over the same years.

Decade by decade

Decade	Change	United States
1990s (1990–2000)	+15.4%	+33.9%
2000s (2000–2010)	+58.5%	+29.7%
2010s (2010–2020)	+5.2%	+35.5%
2020s so far (2020–2025)	+43.8%	+47.0%

FHFA reports each index with a value of 100 in its base period, the first year the area has enough transactions (1986 here). A decade's change is the index at the end of the decade divided by the index at the start, so it does not depend on the base year; the United States column covers the same years. Decades before 1986 are not shown.

Peak-to-low declines

Peak	Low	Decline	Peak regained
2007	2014	−22.5%	2022

Building permits

Housing units authorised by building permits in Fluvanna County, by month over the latest five years and by year since 1995.

Housing units authorised in Fluvanna County by month, latest 12 monthssingle-family2+ unit buildings

Housing units authorised in Fluvanna County by month, latest 60 monthssingle-family2+ unit buildings

Housing units authorised in Fluvanna County by year, 1995–2025single-family2+ unit buildings

Permits, 12 months to August 2026	Fluvanna County	Virginia	United States
Housing units authorised	176	37,520	1,418,086
Units per 1,000 residents	6.1	4.2	4.1
Single-family share	100%	55%	63%
Change on previous 12 months	−4.9%	+12.1%	−0.1%
Units authorised since 1995	6,306	1,220,502	43,082,761

Population is the Census Bureau's vintage 2025 estimate. Permits authorise construction; they are not completions.

ZIP codes in Fluvanna County

Ranked by ten-year change in the FHFA ZIP index. Where a ZIP's index ends before 2025, its spans end in that year.

ZIP	1 year	10 years	Since 2000	Index through	Years
23084	+4.1%	+96.1%	—	2025	23
22974	−0.5%	+72.5%	+159.3%	2025	28
22963	−7.4%	+58.0%	+133.8%	2025	40

Cities and permit-issuing places in Fluvanna County

Housing units authorised in the 12 months to August 2026; places with at least 12 units in the year, or in the year before.

Place	Units, 12 months	Per 1,000 residents	Single-family
Fluvanna County	176	—	100%

Questions and answers

How much have home values in Fluvanna County risen over 10 years?

The FHFA index for Fluvanna County rose +69.3% from 2015 to 2025, about +5.4% a year. Over 20 years: +53.0%; since 2000: +139.8%.

How does Fluvanna County compare with Virginia and the United States?

Over the ten years to 2025: Fluvanna County +69.3%, Virginia +74.6%, United States +85.0%, Charlottesville, VA +77.8%.

What happened to Fluvanna County prices in 2008?

The index peaked in 2007 and fell −22.5% to 2014; it passed the peak again in 2022. The state index fell −18.4% over 2007–2012.

How many homes are being built in Fluvanna County?

176 housing units were authorised by building permits in the 12 months to August 2026 (176 single-family, 0 in buildings of five or more units), or 6.1 per 1,000 residents against 4.2 for Virginia.

Where does this data come from?

The index is FHFA's annual county house price index (all-transactions, developmental), last updated March 31, 2026, with values through 2025. Permits are from the Census Bureau Building Permits Survey through August 2026; population is the Census Bureau's vintage 2025 estimate.

Provenance

Index: Federal Housing Finance Agency, annual house price index for counties (all-transactions, developmental), last updated March 31, 2026, values 1986–2025; metro, state and national comparisons from FHFA's annual indexes in the same release. Permits: Census Bureau Building Permits Survey, county and place files, through August 2026. Population: Census Bureau vintage 2025 estimates. ZIP assignment: 2020 ZCTA-to-county relationship file. Public domain throughout. Corrections · FHFA HPI datasets · Building Permits Survey.