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This regularly scheduled sponsored column is written by Eli Tucker, Arlington-based Realtor and Arlington resident. If you would like to work with Eli and his team in Northern Virginia and the greater D.C. Metro area, you can reach him directly at [email protected].

Today’s article marks a special milestone — TEN years of ‘Ask Eli’, every Tuesday on ARLnow.

Giveaway for Ten $50 Arlington Gift Cards

In the November spirit of reflection and gratitude, I’d like to celebrate ten years of Ask Eli with you and give ten $50 gift certificates to an Arlington business from my list of favorite Arlington establishments.

I’m asking readers to nominate somebody in the Arlington community who they are grateful for (teacher, neighbor, sibling, friend, etc) and feel is deserving of a special treat this holiday season. Nominate somebody using this form and I’ll be in touch with the winners by next week.

When I started this column in 2015:

• The average Arlington home sold for just over $646,000
• The median Arlington home was $575,000
• 24 homes (.8%) sold for $2M+ and 2,437 (87%) sold for under $1M
• I had never published an article and my only professional writing experience was writing proposal for Federal consulting jobs, via my former employer, Grant Thornton

Ten years later:

• The average Arlington home is nearly $941,000 (+46%)
• The median Arlington home is $775,000 (+35%)
• 145 homes have sold for $2M+ (7.5%) and 1,228 (63%) have sold for less than $1M
• I’ve moved four times all over Arlington from Rosslyn, to Johnsons Hill, to Bluemont, to Alcova Heights (where I’ll be for a long time!)
• I am the longest running columnist on ARLnow and written over 500 articles covering everything from local, regional, and national housing data, to housing policy (hello Missing Middle), to advice on inspection negotiations, homeowners insurance, and what time of year to buy/sell a home.

Through the years we’ve discovered ARLnow readers’ favorite Thanksgiving pie (44% Pumpkin), what time the Thanksgiving meal should start (76% before 5PM), and donated thousands to your favorite charities. Your comments keep me honest and informed and show me that I’m not shouting into the darkness, thank you.

Over that time, I’ve grown from a solo agent to leading the Eli Residential Group, a team of six that I love working with every day, with nearly 1,000 transactions under our belt, and 360+ transactions right here in Arlington.

I’m deeply grateful for this platform, ARLnow readers, and for the Arlington community that I call home.

Thank you for celebrating ten years with me! Here’s to ten more!

If you’d like to discuss buying, selling, investing, or renting, don’t hesitate to reach out to me at [email protected].

We have access to the most pre and off-market listings across the DMV of any brokerage and are happy to share what’s available with anybody who asks.

Below are some of our team’s pre/off-market listings, details and additional listings available by request:

• Highland Park/Overlee Knolls – 6BR/5.5BA/5,000+ sqft – Detached Single Family (2025) – 22^nd Rd N Arlington VA 22205
• Yorktown – 6BR/6.5BA/6,000+ sqft – Detached Single Family (2026) – N Greencastle St Arlington VA 22207
• Ballston – 4BR/3.5BA+office/4,000 sqft – Four Townhouses (2026/2027) – 11^th St N Arlington VA 22201
• Falls Church – 4BR/3BA/1,800 sqft – Detached Single Family (1946) – Tyler Ave Falls Church VA 22042
• Falls Church City – 4BR/4.5BA/3,000+ sqft – End-unit townhouse (1995) – Rees Pl Falls Church VA 22046
• Williamsburg – 6BR/5.5BA/5,500 sqft – Detached Single Family (2026) – 27^th St N Arlington VA 22207

Eli and his team believe that your real estate needs should be managed by advisors, not salespeople. Their mission is to guide, educate, and advocate for their clients through real advice, hands-on support, and personalized service.

This regularly scheduled sponsored column is written by Eli Tucker, Arlington-based Realtor and Arlington resident. If you would like to work with Eli and his team in Northern Virginia and the greater D.C. Metro area, you can reach him directly at [email protected].

Question: If somebody slips and gets hurt on the icy sidewalk outside of my home, will my homeowner’s insurance cover medical bills?

Answer: Winter introduces a slew of risks and hazards for homeowners, many of which can be managed through proper insurance coverage and planning (don’t forget to winterize your exterior plumbing!). I talked to my go-to insurance contact, Seth Kutner of ACO Insurance ([email protected]) about common winter claims and how they are handled by homeowners insurance.

Homeowners Insurance can cover most winter-related claims if the policy is set up properly. Considering the high cost of the average insurance claim, it’s important to know what is and isn’t covered.

Trip & fall lawsuits

Make sure to properly clear your sidewalk area of snow and ice because you may be liable for someone tripping and falling on the sidewalk outside of your house in hazardous conditions. The liability coverage on your homeowners insurance will cover this and Seth recommends that everyone have a minimum of $500,000 in liability coverage.

Burst pipes due to freezing

During the winter months, freezing pipes are a common issue that can lead to major problems. When the temperature drops, water inside your pipes can freeze, causing the pipes to expand and potentially burst. This can lead to significant water damage, expensive repairs, and the inconvenience of being without running water. To prevent freezing pipes, make sure to insulate any exposed pipes, especially those in unheated areas. If you do experience freezing pipes, it is important to call a plumber right away to help clear the pipe. In most cases, damage caused by a burst pipe from freezing is covered by insurance, a common exception is to a vacant home with the heat off.

Wind damage

Whether wind directly damages your home or causes a tree to fall on your home, most policies cover the resulting damage. The deductible that you pay for this type of claim may be different than your normal deductible. Depending on your policy, this could be 2-5 times larger than your normal deductible. Some insurance companies have raised these deductibles and unless you have read your declaration pages (not common), you may not be aware of the changes.

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This regularly scheduled sponsored column is written by Eli Tucker, Arlington-based Realtor and Arlington resident. If you would like to work with Eli and his team in Northern Virginia and the greater D.C. Metro area, you can reach him directly at [email protected].

Question: Do you have any information on the new townhouse development near the Crystal City Metro?

Answer: Over the weekend, EYA opened sales for a new townhouse development that will bring 42 3BR/2.5BA/2,000SF townhouses to National Landing (Crystal City/Pentagon City) and has put seven under contract in less than 48 hours. They are expected to be ready for move-in in 2026/2027.

The community will be called Highlands Row and is located at the corner of Fern and 18^th (South Hayes) replacing existing parking lots in the Crystal House complex, 1-2 blocks south of familiar landmarks like the Pentagon City Mall, Costco, and Amazon HQ2, and a block west of the Crystal City Metro.

First Townhomes in Crystal/Pentagon City

It will be the first true townhouse community within walking distance of the Crystal City and Pentagon City Metros, which is a shocking fact and highlights Arlington’s housing and zoning shortcomings.

The only other townhouse-like product in the area is a 1980 community of two-over-two condos that range from ~1,400-1,600SF and hardly function as a townhouse. The other townhouse communities in the 22202 zip code are in more residential neighborhoods, well outside of what most would consider walkable to Metro and the urban centers of National Landing.

Before returning to the main topic of this article, I want to reiterate how crazy it is that Arlington has not found a way to bring townhouses to the Crytal/Pentagon City Metro area until now, despite it being an area perfectly suited to that type of housing.

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This regularly scheduled sponsored column is written by Eli Tucker, Arlington-based Realtor and Arlington resident. If you would like to work with Eli and his team in Northern Virginia and the greater D.C. Metro area, you can reach him directly at [email protected].

Question: Do you think builders will be able to pass on the County’s higher permit costs on to buyers?

Answer: Arlington County recently increased the cost of residential housing permits, including the cost of building a new home or an addition. Builders I’ve spoken with expect their permit costs to roughly double — jumping from around $30,000–$40,000 to $60,000–$80,000 for all permits and significantly more when considering the permit/regulatory related work (e.g. stormwater facilities).

Who Bears the Burden of Higher Permit Costs?

That’s a big increase and it begs an important question: who ultimately pays for the higher fees?

The common answers I hear are:

• Builders will pass the cost along to deep-pocketed buyers and they will absorb the extra cost
• Builders will eat it and make less profit

I’d argue the real answer is that the sellers of the existing homes that will be torn down will ultimately shoulder most of the cost.

Buyers Won’t Pay More

We should assume that the market for new homes in Arlington is operating at or near peak efficiency, meaning buyers are paying as much as they are willing to for new homes and builders are maximizing their returns.

Higher permit costs don’t improve the home in any way that increases its value to a buyer so if buyers are already paying as much as they’re willing to for new homes, builders can’t simply add an extra $30,000-$40,000+ to the asking price and expect buyers to pay it. If they do, and our housing market is working efficiently, buyers will choose not to buy or will purchase a competing home instead.

Builders Won’t Absorb It

Margins on speculative new construction builds are already thin relative to the risk. Most builders don’t have the margins to absorb an extra $30,000–$40,000 in costs per project.

Before purchasing a tear down/lot to build a new home, builders prepare a budget, known as a pro forma, that includes cost projections and forecasted sale price of the future build. The pro forma tells a builder how much they can pay for the existing home/lot to maintain target profit margins – if (permit) costs increase and the future sale price does not, the pro forma tells the builder they must pay less to acquire the lot.

Builders Will Pay Less for Tear Downs/Lots

If we assume that the housing market is operating efficiently, which I believe we should, the logical conclusion is that higher permit costs will mostly be absorbed by homeowners of existing homes that builders will purchase to tear down because builders must offset the higher construction costs with a lower acquisition price. This is an unfortunate outcome for these homeowners, who are generally long-time Arlington residents who have already been burdened by rapidly increasing property taxes due to higher land values.

I think in the near-term (first 6-12 months of higher permit costs), builders will end up absorbing the higher costs because their pro formas haven’t been properly tuned yet to account for higher permit costs and they are acquiring lots based on older, lower costs. Once a builder has seen the higher costs flow through to their bottom line, the budget adjustments will be made accordingly.

Price point also matters. Builders can more easily absorb more of the permit costs on a project with a lot acquisition price of $1.2M-$1.5M and resale price of $3M-$4M than they can on a project with a lot acquisition price of $700k-$900k and a resale price of around $2M, so I expect different market responses at different price levels.

May Increase Supply of Entry-Level Homes

The high price builders are willing to pay for tear downs has led to fewer entry-level homes (smaller, older homes) in circulation for owner-occupied purchases because those homes are being purchased by builders and turned into large, multi-million dollar homes.

If my theory about higher permit costs is accurate and sellers of existing, entry-level homes get lower offers from builders, the difference in their net return by selling on the open market (available to owner-occupied purchasers) compared to selling to a builder may be high enough to push more entry-level homes into market circulation and away from builders. I think that many in Arlington would consider this a win.

Why the County Raised Fees

Arlington frames the higher fees as cost recovery for the services wrapped into permitting — plan review, inspections, zoning reviews, stormwater/land-disturbing reviews, utility connections, etc. The County also notes mandatory add-ons like a 2% state Code Academy levy and a 10% “automation enhancement” surcharge that sit on top of core fees. Arlington’s permit costs are among the highest in the region and significantly higher than Fairfax County permit costs.

If you’d like to discuss buying, selling, investing, or renting, don’t hesitate to reach out to me at [email protected].

We have access to the most pre and off-market listings across the DMV of any brokerage and are happy to share what’s available with anybody who asks.

Below are some of our team’s pre/off-market listings, details and additional listings available by request:

• Yorktown – 6BR/6.5BA/6,000+ sqft – Detached Single Family (2026) – N Greencastle St Arlington VA 22207
• Ballston – 4BR/3.5BA+office/4,000 sqft – Four Townhouses (2026/2027) – 11^th St N Arlington VA 22201
• Falls Church City – 4BR/4.5BA/3,000+ sqft – End-unit townhouse (1995) – Rees Pl Falls Church VA 22046
• Highland Park/Overlee Knolls – 6BR/5.5BA/5,000+ sqft – Detached Single Family (2025) – 22^nd Rd N Arlington VA 22205

Eli and his team believe that your real estate needs should be managed by advisors, not salespeople. Their mission is to guide, educate, and advocate for their clients through real advice, hands-on support, and personalized service.