diff --git a/activemodel/lib/active_model/validations/numericality.rb b/activemodel/lib/active_model/validations/numericality.rb
index 0478915be7..3753040316 100644
--- a/activemodel/lib/active_model/validations/numericality.rb
+++ b/activemodel/lib/active_model/validations/numericality.rb
@@ -23,6 +23,8 @@ module ActiveModel
 
         if record.respond_to?(came_from_user) && record.public_send(came_from_user)
           raw_value = record.read_attribute_before_type_cast(attr_name)
+        elsif record.respond_to?(:read_attribute)
+          raw_value = record.read_attribute(attr_name)
         end
         raw_value ||= value
 
diff --git a/activerecord/test/cases/associations/has_and_belongs_to_many_associations_test.rb b/activerecord/test/cases/associations/has_and_belongs_to_many_associations_test.rb
index f414fbf64b..482302055d 100644
--- a/activerecord/test/cases/associations/has_and_belongs_to_many_associations_test.rb
+++ b/activerecord/test/cases/associations/has_and_belongs_to_many_associations_test.rb
@@ -781,7 +781,7 @@ class HasAndBelongsToManyAssociationsTest < ActiveRecord::TestCase
   end
 
   def test_has_many_through_polymorphic_has_manys_works
-    assert_equal [10, 20].to_set, pirates(:redbeard).treasure_estimates.map(&:price).to_set
+    assert_equal ["$10.00", "$20.00"].to_set, pirates(:redbeard).treasure_estimates.map(&:price).to_set
   end
 
   def test_symbols_as_keys
diff --git a/activerecord/test/cases/validations_test.rb b/activerecord/test/cases/validations_test.rb
index a33877f43a..66763c727f 100644
--- a/activerecord/test/cases/validations_test.rb
+++ b/activerecord/test/cases/validations_test.rb
@@ -3,11 +3,11 @@
 require "cases/helper"
 require "models/topic"
 require "models/reply"
-require "models/person"
 require "models/developer"
 require "models/computer"
 require "models/parrot"
 require "models/company"
+require "models/price_estimate"
 
 class ValidationsTest < ActiveRecord::TestCase
   fixtures :topics, :developers
@@ -183,6 +183,22 @@ class ValidationsTest < ActiveRecord::TestCase
     assert_not_predicate klass.new(wibble: BigDecimal("97.179")), :valid?
   end
 
+  def test_numericality_validator_wont_be_affected_by_custom_getter
+    price_estimate = PriceEstimate.new(price: 50)
+
+    assert_equal "$50.00", price_estimate.price
+    assert_equal 50, price_estimate.price_before_type_cast
+    assert_equal 50, price_estimate.read_attribute(:price)
+
+    assert_predicate price_estimate, :price_came_from_user?
+    assert_predicate price_estimate, :valid?
+
+    price_estimate.save!
+
+    assert_not_predicate price_estimate, :price_came_from_user?
+    assert_predicate price_estimate, :valid?
+  end
+
   def test_acceptance_validator_doesnt_require_db_connection
     klass = Class.new(ActiveRecord::Base) do
       self.table_name = "posts"
diff --git a/activerecord/test/models/price_estimate.rb b/activerecord/test/models/price_estimate.rb
index f1f88d8d8d..669d0991f7 100644
--- a/activerecord/test/models/price_estimate.rb
+++ b/activerecord/test/models/price_estimate.rb
@@ -1,6 +1,14 @@
 # frozen_string_literal: true
 
 class PriceEstimate < ActiveRecord::Base
+  include ActiveSupport::NumberHelper
+
   belongs_to :estimate_of, polymorphic: true
   belongs_to :thing, polymorphic: true
+
+  validates_numericality_of :price
+
+  def price
+    number_to_currency super
+  end
 end