Washington FHA Loan Rates, Closing Costs & Stats

Washington-Arlington-Alexandria, DC-VA-MD-WV

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Loan Limits
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Washington's 252 lenders originated 12,174 FHA loans during 2024. The total origination value was $5,559,100,000, with an average FHA loan value of $456,637.

    Washington FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Washington averaged 6.14% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Washington's average FHA mortgage closing costs are $12,025.

    The average rate for the prior week (2025-03-28) was 6.34% and one month ago for the week of 2025-02-28, the average rate was 6.33%.

    The average rate one year ago was 6.64%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.72%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Washington FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Washington level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 866 6.07% $19,756
    QUICKEN LOANS, LLC 854 6.19% $17,333
    NVR Mortgage Finance, Inc. 624 6.27% $18,122
    FREEDOM MORTGAGE CORPORATION 431 6.32% $17,251
    First Heritage Mortgage, LLC 418 6.13% $16,944
    City Lending Inc. 332 6.96% $19,516
    PENNYMAC LOAN SERVICES, LLC 331 5.95% $14,829
    MOVEMENT MORTGAGE, LLC 251 6.41% $15,419
    LOANDEPOT.COM, LLC 215 6.17% $18,042
    NFM, INC. 203 6.60% $16,300
    NEWREZ LLC 197 6.30% $16,533
    EAGLE HOME MORTGAGE, LLC 189 6.17% $17,614
    EMBRACE HOME LOANS, INC. 186 6.44% $15,508
    FIRST HOME MORTGAGE CORPORATION 179 6.58% $19,442
    CROSSCOUNTRY MORTGAGE, LLC 168 6.48% $16,389
    HOMESPIRE MORTGAGE CORPORATION 168 6.55% $16,338
    Atlantic Coast Mortgage, LLC 162 6.37% $17,150
    DHI MORTGAGE COMPANY, LTD. 158 5.47% $12,257
    Towne Bank 157 6.19% $14,456
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 157 6.53% $14,779
    HOMESIDE FINANCIAL, LLC 155 6.59% $16,283
    CMG MORTGAGE, INC. 155 6.16% $18,126
    Vellum Mortgage, Inc. 147 6.49% $16,158
    Prosperity Home Mortgage, LLC 143 6.28% $16,654
    BROKER SOLUTIONS, INC. 118 6.67% $16,974
    Mr. Cooper ( Nationstar Mortgage ) 114 6.34% $17,780
    FIDELITY DIRECT MORTGAGE, LLC 108 6.71% $16,307
    GUARANTEED RATE, INC. 95 6.34% $18,178
    INTERCOASTAL MORTGAGE COMPANY 93 6.18% $16,666
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 90 6.50% $19,199
    Carrington Mortgage Services, LLC 88 6.27% $19,602
    Integrity Home Mortgage Corp 83 6.41% $15,726
    FIRST SAVINGS MORTGAGE CORPORATION 81 6.36% $17,332
    BAY EQUITY LLC 80 6.37% $14,799
    AMERICAN FINANCIAL NETWORK, INC. 79 6.59% $18,720
    MUTUAL OF OMAHA MORTGAGE, INC. 77 6.43% $19,902
    Paramount Residential Mortgage Group, Inc. 71 6.66% $18,481
    VILLAGE CAPITAL MORTGAGE 68 6.31% $10,734
    GUILD MORTGAGE COMPANY 67 6.28% $16,868
    Ameris Bank 63 6.61% $14,812
    Equity Prime Mortgage LLC 63 6.63% $19,185
    UNION HOME MORTGAGE CORP. 61 6.55% $18,126
    CARDINAL FINANCIAL 59 6.34% $18,529
    DIRECT MORTGAGE LOANS, LLC 57 6.75% $15,800
    Truist 54 6.09% $16,113
    OCMBC, INC. 50 7.02% $18,803
    United Bank 49 6.19% $15,687
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 48 6.23% $19,504
    PLANET HOME LENDING, LLC 48 6.23% $15,373
    The Federal Savings Bank 48 6.41% $15,906
    Lakeview Community Capital, LLC 46 6.18% $10,467
    LAKEVIEW LOAN SERVICING, LLC 46 6.19% $11,480
    Capital Bank 45 6.54% $15,868
    Sandy Spring Bank 45 6.32% $14,468
    Presidential Bank, FSB 42 6.38% $16,789
    EVERETT FINANCIAL, INC. 42 6.74% $16,197
    Century Mortgage Company DBA Century Lending Company 41 6.26% $15,556
    HOMEBRIDGE FINANCIAL SERVICES, INC. 41 6.39% $13,645
    THE MORTGAGE LINK, INC. 40 6.63% $26,310
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 39 6.66% $14,692
    MORIA DEVELOPMENT, INC. 39 6.41% $13,077
    PRIMELENDING, A PLAINSCAPITAL COMPANY 39 6.40% $15,457
    WesBanco 38 6.41% $14,037
    Flagstar Bank, FSB 37 6.32% $17,749
    Meridian Bank Corporation 37 6.36% $13,332
    SUN WEST MORTGAGE COMPANY, INC. 35 6.15% $16,636
    GEO-CORP, INC. 35 7.32% $21,797
    Plains Commerce Bank 34 6.31% $19,390
    NATIONS DIRECT MORTGAGE, LLC 34 6.25% $17,583
    JET HOMELOANS, LLC 33 5.70% $16,220
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 32 6.46% $15,327
    Alcova Mortgage LLC 32 6.39% $12,001
    PLAZA HOME MORTGAGE, INC. 31 6.76% $17,797
    AMERISAVE MORTGAGE CORPORATION 30 6.08% $23,674
    BAY CAPITAL MORTGAGE CORPORATION 29 6.41% $14,175
    The Loan Store, Inc. 29 6.14% $17,855
    Waterstone Mortgage Corporation 28 6.22% $18,571
    T2 FINANCIAL LLC 28 6.60% $17,573
    Shore United Bank 28 6.16% $16,051
    M&T Bank 28 6.16% $13,255
    GUARANTEED RATE AFFINITY, LLC 27 6.48% $15,245
    The Freedom Bank of Virginia 26 5.94% $14,208
    EMM LOANS LLC 26 6.36% $19,026
    ENVOY MORTGAGE, LTD 26 6.51% $15,260
    Sierra Pacific Mortgage Company, Inc. 25 6.20% $17,880
    PENTAGON FEDERAL CREDIT UNION 25 5.99% $15,569
    Home Mortgage Alliance Corp 23 6.96% $18,557
    PRIMARY RESIDENTIAL MORTGAGE, INC. 23 6.60% $18,148
    BAYSHORE MORTGAGE FUNDING, LLC 23 6.41% $21,410
    SWBC MORTGAGE CORPORATION 22 6.43% $12,236
    Fulton Bank 22 6.35% $15,027
    NATIONWIDE MORTGAGE BANKERS, INC. 20 6.47% $18,496
    AmeriHome Mortgage Company, LLC 20 6.36% $12,280
    MILEND, INC. 19 6.18% $23,965
    MY MORTGAGE, INC. 19 6.74% $15,791
    Atlantic Union Bank 18 6.42% $15,250
    Residential Mortgage Solutions, Inc. 18 6.49% $18,919
    FIRST EQUITY MORTGAGE INCORPORATED 18 5.82% $21,984
    SUMMIT FUNDING, INC. 18 6.28% $17,370
    MORTGAGE EQUITY PARTNERS LLC 18 6.52% $19,117
    The Dart Bank 17 5.95% $17,058
    LOANPAL, LLC 17 5.54% $17,266
    UNIVERSAL MORTGAGE & FINANCE, INC. 17 6.56% $20,191
    TIDEWATER MORTGAGE SERVICES, INC. 17 6.46% $16,990
    GSF Mortgage Corporation 17 6.28% $17,124
    CHURCHILL MORTGAGE CORPORATION 16 5.93% $27,834
    OPEN MORTGAGE, LLC 16 6.70% $23,112
    GENEVA FINANCIAL, LLC 16 6.89% $20,625
    TOWNE MORTGAGE COMPANY 16 6.63% $14,052
    ZILLOW HOME LOANS, LLC 15 6.23% $16,543
    MLD MORTGAGE INC. 15 6.17% $13,965
    HOMEAMERICAN MORTGAGE CORPORATION 15 5.16% $14,132
    JAMS-01, INC. 15 6.12% $15,922
    RELIANCE FIRST CAPITAL, LLC 14 7.05% $18,069
    SUCCESS MORTGAGE PARTNERS, INC. 14 6.53% $19,051
    AFFORDABLE MORTGAGE ADVISORS, LLC. 14 6.86% $18,870
    Wells Fargo Bank 13 6.63% $12,055
    MID AMERICA MORTGAGE, INC. 13 7.23% $14,595
    Evolve Bank & Trust 13 7.04% $15,729
    TOTAL MORTGAGE SERVICES, LLC 12 6.85% $16,919
    MILLENNIUM FINANCIAL GROUP, INC. 12 6.85% $13,678
    Mortgage Research Center, LLC 12 6.69% $9,141
    SOUTHERN TRUST MORTGAGE, LLC 12 6.45% $20,637
    NORWICH COMMERCIAL GROUP, INC. 11 6.83% $23,377
    American Mortgage & Equity Consultants, Inc. 11 6.39% $15,129
    C & F Mortgage Corporation 11 6.43% $16,528
    First Option Mortgage, LLC 11 6.69% $17,932
    EQUITY RESOURCES, INC. 10 6.46% $13,059
    1ST FINANCIAL, INC. 10 5.67% $26,306
    STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 10 6.26% $6,190
    JMAC LENDING, INC. 10 6.04% $20,538
    Cornerstone First Mortgage, Inc 10 6.56% $20,579
    AMERICAN FINANCIAL RESOURCES, INC. 10 6.35% $20,293
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 10 6.04% $14,102
    DAS Acquisition Company, LLC 10 6.11% $25,086
    MICHIGAN MUTUAL, INC. 9 6.44% $16,642
    Citizens Bank 9 6.42% $13,117
    BETTER MORTGAGE CORPORATION 9 5.83% $20,279
    LAND HOME FINANCIAL SERVICES, INC. 9 7.11% $24,224
    Strong Home Mortgage, LLC 9 5.82% $15,651
    ALLIED MORTGAGE GROUP, INC. 9 5.54% $21,347
    MORTGAGE ACCESS CORP. 9 6.85% $10,498
    Nations Lending Corporation 9 6.39% $27,363
    FIRST ALLIANCE HOME MORTGAGE, LLC 9 6.24% $20,453
    MK LENDING CORP. 8 6.11% $20,404
    MORTGAGE SOLUTIONS OF COLORADO, LLC 8 7.06% $17,394
    Keystone Funding, Inc. 8 6.56% $15,319
    NETWORK CAPITAL FUNDING CORPORATION 8 6.34% $20,606
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 8 6.31% $13,507
    AMERICAN FINANCING CORPORATION 8 5.61% $19,170
    FIRST COMMUNITY MORTGAGE, INC. 8 6.51% $19,595
    MDE Home Loans, LLC 8 6.25% $27,937
    NBKC BANK 7 6.11% $16,586
    U.S. Bank 7 6.34% $12,637
    PNC Bank 7 6.45% $12,500
    ARC HOME LLC 7 6.54% $23,714
    A&D Mortgage LLC 7 6.64% $22,059
    Hometown Equity Mortgage, LLC 7 6.30% $22,057
    CALCON MUTUAL MORTGAGE LLC 7 6.54% $18,734
    JPMorgan Chase Bank 7 6.35% $15,098
    Acre Mortgage and Financial Inc 6 6.63% $19,883
    TOP FLITE FINANCIAL, INC. 6 6.77% $33,550
    PULTE MORTGAGE LLC 6 5.75% $12,768
    STOCKTON MORTGAGE CORPORATION 6 6.67% $12,012
    First National Bank of Pennsylvania 5 6.15% $13,953
    Ixonia Bank 5 6.23% $17,034
    Loan Simple, Inc. 5 7.00% $19,934
    PHH Mortgage Corporation 5 5.89% $13,415
    BECKAM FUNDING CORP. 4 7.09% $28,722
    LIBERTY HOME MORTGAGE CORPORATION 4 6.66% $21,873
    ROSS MORTGAGE CORPORATION 4 6.72% $10,628
    TBI MORTGAGE COMPANY 4 6.34% $22,256
    Virginia Credit Union, Inc. 4 6.41% $12,983
    INTELLILOAN, INC. 4 6.06% $9,023
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 6.37% $17,425
    Texana Bank 3 6.90% $18,324
    AMERICAN PACIFIC MORTGAGE CORPORATION 3 6.63% $12,689
    Barrington Bank & Trust Company, N.A. 3 6.75% $12,033
    Blue Ridge Bank 3 6.08% $14,940
    CAPITAL CENTER, L.L.C. 3 6.00% $8,106
    First Federal Bank 3 6.29% $13,910
    HARTFORD FUNDING, LTD. 3 6.67% $15,435
    MLB RESIDENTIAL LENDING, LLC 3 6.63% $15,132
    NORTHPOINT MORTGAGE, INC. 3 6.33% $11,790
    SECURITYNATIONAL MORTGAGE COMPANY 3 7.17% $19,877
    SOUTHPOINT FINANCIAL SERVICES, INC. 3 6.04% $15,818
    Watermark Capital, Inc. 3 6.67% $36,719
    Northpointe Bank 2 6.56% $17,747
    Princeton Mortgage Corporation 2 6.06% $18,101
    LEADERONE FINANCIAL CORPORATION 2 6.44% $14,258
    Encompass Lending Group, LP 2 6.38% $21,331
    LADERA LENDING, INC. 2 6.13% $14,643
    AmRes Corporation 2 6.25% $23,249
    DATA MORTGAGE, INC. 2 6.44% $14,406
    Credence Funding Corporation 2 6.38% $12,921
    CONTOUR MORTGAGE CORPORATION 2 6.19% $27,175
    GVC MORTGAGE, INC. 2 5.88% $16,442
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 2 7.50% $20,183
    Florida Capital Bank 2 5.69% $18,794
    RANLIFE, INC. 2 6.81% $14,462
    Citibank 2 5.88% $8,598
    CANOPY MORTGAGE, LLC 2 6.06% $11,942
    NATIONS RELIABLE LENDING, LLC 2 7.44% $14,758
    FIRST COLONY MORTGAGE CORPORATION 2 6.50% $14,540
    OCEANSIDE MORTGAGE COMPANY 2 5.69% $9,365
    Mid-Continent Funding, Inc. 2 6.31% $20,548
    Bank of America 2 6.25% $23,048
    OceanFirst Bank 2 5.56% $15,340
    ABSOLUTE HOME MORTGAGE CORPORATION 2 7.13% $12,358
    FBC MORTGAGE, LLC 2 5.87% $15,592
    Pinnacle Bank 2 5.69% $23,761
    Peoples Bank 2 6.50% $13,047
    Paramount Bank 2 6.00% $10,686
    Tidewater Home Funding, LLC 1 6.88% $6,851
    TJC Mortgage, Inc. 1 5.75% $16,531
    East Coast Capital Corp. 1 7.00% $21,581
    Colony Bank 1 6.13% $10,894
    CityWorth Mortgage LLC 1 5.75% $29,953
    Union Savings Bank 1 6.25% $12,286
    UNITED 1 6.25% $15,097
    BM Real Estate Services, Inc. 1 7.63% $18,771
    BAY-VALLEY MORTGAGE GROUP 1 7.13% $24,012
    POLARIS HOME FUNDING CORP. 1 6.00% $13,765
    Bank of England 1 7.25% $11,550
    Arvest Bank 1 5.88% $13,988
    Armed Forces Bank 1 5.75% $10,662
    VAN DYK MORTGAGE CORPORATION 1 6.25% $7,576
    PREMIA MORTGAGE, LLC 1 5.63% $14,119
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.25% $24,290
    NMSI, INC. 1 5.88% $29,428
    NexBank 1 7.13% $15,256
    NEW WAVE LENDING GROUP INC 1 6.75% $16,278
    RADIUS FINANCIAL GROUP INC. 1 7.25% $12,378
    MID-ISLAND MORTGAGE CORP. 1 6.38% $23,840
    ROYAL UNITED MORTGAGE LLC 1 6.38% $16,401
    MEMBERS 1ST FEDERAL CREDIT UNION 1 5.25% $30,143
    SeaTrust Mortgage Company 1 6.50% $8,649
    MEMBER ADVANTAGE MORTGAGE, LLC 1 6.13% $11,615
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 5.75% $21,936
    Magnolia Bank 1 5.75% $9,669
    Advisors Mortgage Group, L.L.C. 1 6.75% $9,736
    LOANLEADERS OF AMERICA, INC. 1 6.00% $23,133
    LENOX FINANCIAL MORTGAGE CORPORATION 1 6.50% $7,800
    LEGEND LENDING CORPORATION 1 6.63% $20,056
    HOMESTEAD FUNDING CORP. 1 5.75% $16,435
    TD Bank 1 6.88% $8,222
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 7.13% $5,742
    First-Citizens Bank & Trust Company 1 5.63% $9,074
    FEDERATED MORTGAGE CORP. 1 6.63% $15,070
    The Huntington National Bank 1 6.13% $8,079
    THE MORTGAGE FIRM, INC. 1 5.25% $15,281
    EVANSVILLE TEACHERS 1 5.88% $15,434

    The top Washington FHA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 866 FHA loans originated. Their average total fees are $19,756, which is $2,422 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Washington FHA lenders (with over 10 loans originated) are STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED ($6,190), Mortgage Research Center, LLC ($9,141), Lakeview Community Capital, LLC ($10,467), VILLAGE CAPITAL MORTGAGE ($10,734) and LAKEVIEW LOAN SERVICING, LLC ($11,480).

    The lowest rate Washington FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (5.16%), DHI MORTGAGE COMPANY, LTD. (5.47%), LOANPAL, LLC (5.54%), 1ST FINANCIAL, INC. (5.67%) and JET HOMELOANS, LLC (5.70%).

    Washington FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV DISTRICT OF COL 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CALVERT 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CHARLES 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FREDERICK 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV MONTGOMERY 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV PRINCE GEORGE'S 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV ARLINGTON 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CLARKE 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CULPEPER 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FAIRFAX 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FAUQUIER 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV LOUDOUN 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV MADISON 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV PRINCE WILLIAM 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV RAPPAHANNOCK 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV SPOTSYLVANIA 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV STAFFORD 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV WARREN 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV ALEXANDRIA CITY 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FAIRFAX CITY 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FALLS CHURCH CI 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FREDERICKSBURG 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV MANASSAS CITY 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV MANASSAS PARK C 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV JEFFERSON 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV DISTRICT OF COL 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CALVERT 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CHARLES 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FREDERICK 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV MONTGOMERY 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV PRINCE GEORGE'S 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV ARLINGTON 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CLARKE 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CULPEPER 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FAIRFAX 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FAUQUIER 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV LOUDOUN 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV MADISON 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV PRINCE WILLIAM 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV RAPPAHANNOCK 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV SPOTSYLVANIA 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV STAFFORD 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV WARREN 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV ALEXANDRIA CITY 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FAIRFAX CITY 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FALLS CHURCH CI 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FREDERICKSBURG 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV MANASSAS CITY 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV MANASSAS PARK C 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV JEFFERSON 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Washington (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $435,225 (2.4%) $644,491 (1.2%) 1.61 11,827
    2018-02-01 $444,950 (1.7%) $658,431 (0.7%) 1.62 11,681
    2018-03-01 $469,900 (3.9%) $673,342 (0.6%) 1.65 13,052
    2018-04-01 $479,900 (2.1%) $684,476 (1.0%) 1.63 14,910
    2018-05-01 $479,450 (1.0%) $684,752 (1.4%) 1.60 16,169
    2018-06-01 $479,885 (1.1%) $682,093 (1.8%) 1.60 16,758
    2018-07-01 $467,978 (0.6%) $663,549 (0.7%) 1.56 17,168
    2018-08-01 $454,500 (1.0%) $643,979 (0.8%) 1.52 17,205
    2018-09-01 $450,000 (0.0%) $639,126 (-0.8%) 1.51 17,884
    2018-10-01 $450,000 (0.0%) $640,689 (-0.7%) 1.52 17,981
    2018-11-01 $449,450 (1.0%) $639,860 (-0.2%) 1.52 16,841
    2018-12-01 $439,000 (0.9%) $639,627 (0.0%) 1.51 13,743
    2019-01-01 $438,945 (0.9%) $645,751 (0.2%) 1.52 11,628
    2019-02-01 $449,900 (1.1%) $663,156 (0.7%) 1.52 11,337
    2019-03-01 $471,429 (0.3%) $678,933 (0.8%) 1.54 12,375
    2019-04-01 $486,495 (1.4%) $690,901 (0.9%) 1.54 13,613
    2019-05-01 $493,950 (3.0%) $697,353 (1.8%) 1.54 14,703
    2019-06-01 $490,200 (2.2%) $694,071 (1.8%) 1.53 15,316
    2019-07-01 $479,450 (2.5%) $678,869 (2.3%) 1.50 15,187
    2019-08-01 $479,245 (5.4%) $682,743 (6.0%) 1.52 14,971
    2019-09-01 $479,614 (6.6%) $691,206 (8.2%) 1.53 14,847
    2019-10-01 $479,859 (6.6%) $697,673 (8.9%) 1.55 14,702
    2019-11-01 $478,850 (6.5%) $706,293 (10.4%) 1.57 13,336
    2019-12-01 $474,950 (8.2%) $716,680 (12.1%) 1.58 10,549
    2020-01-01 $469,970 (7.1%) $725,482 (12.4%) 1.57 9,131
    2020-02-01 $489,900 (8.9%) $750,004 (13.1%) 1.60 8,914
    2020-03-01 $512,490 (8.7%) $772,672 (13.8%) 1.61 9,552
    2020-04-01 $502,447 (3.3%) $745,422 (7.9%) 1.57 10,190
    2020-05-01 $515,000 (4.3%) $765,916 (9.8%) 1.57 10,233
    2020-06-01 $532,500 (8.6%) $791,619 (14.1%) 1.57 9,639
    2020-07-01 $534,500 (11.5%) $803,118 (18.3%) 1.55 8,843
    2020-08-01 $529,000 (10.4%) $803,111 (17.6%) 1.52 8,579
    2020-09-01 $520,970 (8.6%) $795,796 (15.1%) 1.49 9,015
    2020-10-01 $502,500 (4.7%) $775,575 (11.2%) 1.44 9,420
    2020-11-01 $499,950 (4.4%) $789,457 (11.8%) 1.46 8,930
    2020-12-01 $499,450 (5.2%) $803,888 (12.2%) 1.49 7,418
    2021-01-01 $489,900 (4.2%) $824,384 (13.6%) 1.46 6,292
    2021-02-01 $492,500 (0.5%) $827,139 (10.3%) 1.43 5,748
    2021-03-01 $494,950 (-3.4%) $802,145 (3.8%) 1.40 6,377
    2021-04-01 $506,360 (0.8%) $800,084 (7.3%) 1.37 6,989
    2021-05-01 $519,900 (1.0%) $793,117 (3.6%) 1.38 7,762
    2021-06-01 $525,000 (-1.4%) $783,345 (-1.1%) 1.38 8,897
    2021-07-01 $515,000 (-3.7%) $754,978 (-6.0%) 1.36 9,966
    2021-08-01 $507,950 (-4.0%) $738,410 (-8.1%) 1.35 10,098
    2021-09-01 $512,450 (-1.6%) $738,626 (-7.2%) 1.37 10,584
    2021-10-01 $509,900 (1.5%) $741,017 (-4.5%) 1.36 10,241
    2021-11-01 $504,295 (0.9%) $750,270 (-5.0%) 1.35 8,471
    2021-12-01 $502,500 (0.6%) $769,037 (-4.3%) 1.36 6,438
    2022-01-01 $505,000 (3.1%) $810,995 (-1.6%) 1.37 5,029
    2022-02-01 $529,995 (7.6%) $833,837 (0.8%) 1.38 4,865
    2022-03-01 $547,448 (10.6%) $833,481 (3.9%) 1.37 5,337
    2022-04-01 $569,900 (12.6%) $827,130 (3.4%) 1.36 6,050
    2022-05-01 $589,450 (13.4%) $839,605 (5.9%) 1.35 7,728
    2022-06-01 $595,000 (13.3%) $824,696 (5.3%) 1.33 9,056
    2022-07-01 $585,000 (13.6%) $806,604 (6.8%) 1.32 10,252
    2022-08-01 $574,900 (13.2%) $789,631 (6.9%) 1.33 10,170
    2022-09-01 $572,125 (11.7%) $789,502 (6.9%) 1.34 10,283
    2022-10-01 $574,999 (12.8%) $799,529 (7.9%) 1.35 10,548
    2022-11-01 $569,498 (12.9%) $805,927 (7.4%) 1.37 10,063
    2022-12-01 $564,990 (12.4%) $820,859 (6.7%) 1.40 8,015
    2023-01-01 $572,444 (13.4%) $849,318 (4.7%) 1.42 6,630
    2023-02-01 $587,500 (10.9%) $887,088 (6.4%) 1.42 5,967
    2023-03-01 $599,945 (9.6%) $913,946 (9.7%) 1.42 6,049
    2023-04-01 $625,000 (9.7%) $944,727 (14.2%) 1.45 6,349
    2023-05-01 $642,500 (9.0%) $966,947 (15.2%) 1.46 6,527
    2023-06-01 $648,250 (9.0%) $963,922 (16.9%) 1.46 6,680
    2023-07-01 $639,500 (9.3%) $938,537 (16.4%) 1.45 7,022
    2023-08-01 $619,450 (7.8%) $916,106 (16.0%) 1.42 7,000
    2023-09-01 $619,000 (8.2%) $919,504 (16.5%) 1.44 7,785
    2023-10-01 $604,500 (5.1%) $918,403 (14.9%) 1.42 8,223
    2023-11-01 $599,450 (5.3%) $920,699 (14.2%) 1.43 8,066
    2023-12-01 $589,000 (4.3%) $929,381 (13.2%) 1.44 6,816
    2024-01-01 $593,950 (3.8%) $956,513 (12.6%) 1.45 5,759
    2024-02-01 $599,900 (2.1%) $964,103 (8.7%) 1.44 5,780
    2024-03-01 $610,000 (1.7%) $976,867 (6.9%) 1.44 6,199
    2024-04-01 $626,721 (0.3%) $974,975 (3.2%) 1.46 7,048
    2024-05-01 $639,058 (-0.5%) $989,792 (2.4%) 1.45 7,692
    2024-06-01 $634,970 (-2.1%) $954,952 (-0.9%) 1.44 8,469
    2024-07-01 $617,423 (-3.5%) $947,774 (1.0%) 1.41 8,736
    2024-08-01 $599,900 (-3.2%) $910,984 (-0.6%) 1.40 8,683
    2024-09-01 $600,000 (-3.1%) $906,792 (-1.4%) 1.41 9,597
    2024-10-01 $599,900 (-0.8%) $893,940 (-2.7%) 1.41 10,388
    2024-11-01 $589,000 (-1.7%) $888,371 (-3.5%) 1.41 10,086
    2024-12-01 $577,400 (-2.0%) $898,773 (-3.3%) 1.43 8,198
    2025-01-01 $577,000 (-2.9%) $898,950 (-6.0%) 1.44 7,825
    2025-02-01 $579,995 (-3.3%) $903,120 (-6.3%) 1.41 8,149
    2025-03-01 $604,900 (-0.8%) $906,595 (-7.2%) 0.00 10,165
    Washington's median listing price for 2025-03-01 was $604,900, a difference of $-5,100 (-0.8%) versus the prior year and $24,905 versus the prior month.

    Washington's median listing price comes in at 0% of the national average.

    Washington's average listing price for 2025-03-01 was $906,595, a difference of $-70,272 (-7.2%) versus the prior year and $3,475 versus the prior month.

    For the 2025-03-01 period, Washington had 10,165 MLS listings, a difference of 2,016 listings (25%) versus the prior month and 3,966 listings (64%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Washington (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 66 days 2,053 sqft
    2018-02-01 47 days 2,092 sqft
    2018-03-01 32 days 2,120 sqft
    2018-04-01 30 days 2,138 sqft
    2018-05-01 30 days 2,145 sqft
    2018-06-01 37 days 2,256 sqft
    2018-07-01 41 days 2,211 sqft
    2018-08-01 44 days 2,167 sqft
    2018-09-01 44 days 2,130 sqft
    2018-10-01 44 days 2,106 sqft
    2018-11-01 49 days 2,105 sqft
    2018-12-01 59 days 2,128 sqft
    2019-01-01 66 days 2,152 sqft
    2019-02-01 49 days 2,195 sqft
    2019-03-01 37 days 2,262 sqft
    2019-04-01 29 days 2,317 sqft
    2019-05-01 31 days 2,332 sqft
    2019-06-01 36 days 2,340 sqft
    2019-07-01 41 days 2,302 sqft
    2019-08-01 41 days 2,286 sqft
    2019-09-01 40 days 2,264 sqft
    2019-10-01 41 days 2,244 sqft
    2019-11-01 48 days 2,214 sqft
    2019-12-01 61 days 2,198 sqft
    2020-01-01 62 days 2,170 sqft
    2020-02-01 36 days 2,206 sqft
    2020-03-01 27 days 2,244 sqft
    2020-04-01 34 days 2,202 sqft
    2020-05-01 42 days 2,215 sqft
    2020-06-01 34 days 2,200 sqft
    2020-07-01 30 days 2,123 sqft
    2020-08-01 28 days 2,027 sqft
    2020-09-01 25 days 1,924 sqft
    2020-10-01 34 days 1,840 sqft
    2020-11-01 39 days 1,776 sqft
    2020-12-01 46 days 1,733 sqft
    2021-01-01 47 days 1,664 sqft
    2021-02-01 37 days 1,598 sqft
    2021-03-01 30 days 1,659 sqft
    2021-04-01 29 days 1,730 sqft
    2021-05-01 28 days 1,800 sqft
    2021-06-01 28 days 1,812 sqft
    2021-07-01 30 days 1,810 sqft
    2021-08-01 32 days 1,808 sqft
    2021-09-01 33 days 1,778 sqft
    2021-10-01 34 days 1,746 sqft
    2021-11-01 40 days 1,679 sqft
    2021-12-01 47 days 1,659 sqft
    2022-01-01 47 days 1,620 sqft
    2022-02-01 32 days 1,675 sqft
    2022-03-01 26 days 1,746 sqft
    2022-04-01 26 days 1,843 sqft
    2022-05-01 25 days 1,923 sqft
    2022-06-01 27 days 1,956 sqft
    2022-07-01 31 days 1,976 sqft
    2022-08-01 36 days 1,960 sqft
    2022-09-01 38 days 1,929 sqft
    2022-10-01 37 days 1,946 sqft
    2022-11-01 43 days 1,933 sqft
    2022-12-01 54 days 1,901 sqft
    2023-01-01 59 days 1,897 sqft
    2023-02-01 40 days 1,917 sqft
    2023-03-01 34 days 1,955 sqft
    2023-04-01 31 days 2,026 sqft
    2023-05-01 30 days 2,065 sqft
    2023-06-01 32 days 2,072 sqft
    2023-07-01 34 days 2,064 sqft
    2023-08-01 35 days 2,032 sqft
    2023-09-01 35 days 2,016 sqft
    2023-10-01 35 days 1,993 sqft
    2023-11-01 39 days 1,980 sqft
    2023-12-01 50 days 1,940 sqft
    2024-01-01 53 days 1,906 sqft
    2024-02-01 36 days 1,896 sqft
    2024-03-01 31 days 1,888 sqft
    2024-04-01 30 days 1,926 sqft
    2024-05-01 29 days 1,957 sqft
    2024-06-01 31 days 1,953 sqft
    2024-07-01 36 days 1,938 sqft
    2024-08-01 37 days 1,906 sqft
    2024-09-01 36 days 1,913 sqft
    2024-10-01 33 days 1,894 sqft
    2024-11-01 40 days 1,855 sqft
    2024-12-01 50 days 1,810 sqft
    2025-01-01 52 days 1,803 sqft
    2025-02-01 34 days 1,800 sqft
    2025-03-01 0 days 1,891 sqft
    Washington's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Washington's median square footage for active listings during the 2025-03-01 period was 1,891 sqft. One year prior, the average listing was 1,888 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).