HARRISONBURG Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Harrisonburg averaged
6.65%
for the week of 2025-07-10, compared to the national average of
6.72% for the same period.
The average rate for the prior week (2025-07-03) was
7% and
one month ago for the week of 2025-06-05, the
average rate was 6.98%.
Harrisonburg's average rate one year ago was 7.18%.
For refis of the same type during the week of 2025-07-10, the average rate
was 7.22%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-10 | 6.72% |
| Harrisonburg 30 Year Fixed Rate | 2025-07-10 | 6.65% |
| Harrisonburg 30 Year Fixed Rate Refi | 2025-07-10 | 7.22% |
| Harrisonburg 15 Year Fixed Rate | 2025-07-10 | 5.76% |
| Harrisonburg 15 Year Fixed Rate Refi | 2025-07-10 | 6.06% |
| Harrisonburg 30 Year FHA | 2025-07-10 | 6.53% |
| Harrisonburg 30 Year FHA Refi | 2025-07-10 | 6.42% |
| Harrisonburg 30 Year USDA | 2025-07-10 | 6.25% |
| Harrisonburg 30 Year USDA Refi | 2025-07-10 | 6.55% |
| Harrisonburg 30 Year VA | 2025-07-10 | 6.66% |
| Harrisonburg 30 Year VA Refi | 2025-07-10 | 6.47% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within HARRISONBURG, VA.
HARRISONBURG Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the HARRISONBURG, VA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
HARRISONBURG Average Closing Costs & Other Stats
HARRISONBURG, VA's 130 lenders originated 2,230
loans during 2024. The total origination value was $566,820,000, with an average loan value of
$254,179.
HARRISONBURG's average closing costs are $5,051.
The top HARRISONBURG lender as defined by loan originations is F & M BANK CORP., with
113 loans originated. Their average total fees are
$4,581, which is $1,991
lower than the next largest lender,
NVR Mortgage Finance, Inc..
The lowest fee HARRISONBURG lenders (with over 10 loans originated) are
DUPONT COMMUNITY ($2,956), HOMESIDE FINANCIAL, LLC ($4,469), F & M BANK CORP. ($4,581), Alcova Mortgage LLC ($4,794) and PARK VIEW FEDERAL CREDIT UNION ($4,929).
The lowest rate HARRISONBURG lenders (with over 10 loans originated) are
United Bank (6.25%), Truist (6.47%), DUPONT COMMUNITY (6.63%), Integrity Home Mortgage Corp (6.64%) and C & F Mortgage Corporation (6.66%).
HARRISONBURG, VA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| F & M BANK CORP. | $46,690,000 | $51,670,000 | 10.7% | 9.1% |
| NVR Mortgage Finance, Inc. | $32,025,000 | $46,570,000 | 45.4% | 8.2% |
| PARK VIEW FEDERAL CREDIT UNION | $24,370,000 | $44,375,000 | 82.1% | 7.8% |
| Integrity Home Mortgage Corp | $19,725,000 | $27,190,000 | 37.8% | 4.8% |
| QUICKEN LOANS, LLC | $16,915,000 | $24,580,000 | 45.3% | 4.3% |
| DUPONT COMMUNITY | $16,690,000 | $20,835,000 | 24.8% | 3.7% |
| MOVEMENT MORTGAGE, LLC | $10,285,000 | $18,365,000 | 78.6% | 3.2% |
| United Bank | $1,805,000 | $17,380,000 | 862.9% | 3.1% |
| UNITED WHOLESALE MORTGAGE, LLC | $9,745,000 | $16,990,000 | 74.3% | 3.0% |
| Truist | $13,440,000 | $15,960,000 | 18.8% | 2.8% |
| Alcova Mortgage LLC | $11,675,000 | $13,760,000 | 17.9% | 2.4% |
| NORTHMARQ CAPITAL FINANCE, L.L.C. | $13,255,000 | n/a | 2.3% | |
| Atlantic Union Bank | $10,165,000 | $9,255,000 | -9.0% | 1.6% |
| First-Citizens Bank & Trust Company | $5,830,000 | $8,050,000 | 38.1% | 1.4% |
| Atlantic Coast Mortgage, LLC | $3,560,000 | $8,000,000 | 124.7% | 1.4% |
| Bank of the James | $3,210,000 | $6,435,000 | 100.5% | 1.1% |
| EVERETT FINANCIAL, INC. | $145,000 | $6,275,000 | 4,227.6% | 1.1% |
| Pendleton Community Bank, Inc. | $13,565,000 | $6,220,000 | -54.1% | 1.1% |
| C & F Mortgage Corporation | $3,655,000 | $5,965,000 | 63.2% | 1.1% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION,INC. | $295,000 | $5,955,000 | 1,918.6% | 1.1% |
| NAVY FEDERAL CREDIT UNION | $4,915,000 | $5,455,000 | 11.0% | 1.0% |
| HOMESIDE FINANCIAL, LLC | $5,050,000 | n/a | 0.9% | |
| FIRST SAVINGS MORTGAGE CORPORATION | $205,000 | $5,015,000 | 2,346.3% | 0.9% |
| Mortgage Research Center, LLC | $4,405,000 | $4,785,000 | 8.6% | 0.8% |
| Burke & Herbert Bank & Trust Company | $155,000 | $4,570,000 | 2,848.4% | 0.8% |
| DHI MORTGAGE COMPANY, LTD. | $1,905,000 | $4,420,000 | 132.0% | 0.8% |
| UNION HOME MORTGAGE CORP. | $3,270,000 | $4,355,000 | 33.2% | 0.8% |
| Cornerstone First Mortgage, Inc | $335,000 | $4,015,000 | 1,098.5% | 0.7% |
| FIRST BANCORP | $4,910,000 | $3,810,000 | -22.4% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $4,425,000 | $3,740,000 | -15.5% | 0.7% |
| NEWREZ LLC | $1,585,000 | $3,595,000 | 126.8% | 0.6% |
| Virginia Credit Union, Inc. | $6,735,000 | $3,230,000 | -52.0% | 0.6% |
| NFM, INC. | $2,255,000 | $3,135,000 | 39.0% | 0.6% |
| First Bank | $3,875,000 | $3,120,000 | -19.5% | 0.6% |
| USAA Federal Savings Bank | $2,495,000 | $3,075,000 | 23.2% | 0.5% |
| GUARANTEED RATE, INC. | $1,045,000 | $3,045,000 | 191.4% | 0.5% |
| Bank of America | $2,660,000 | $3,040,000 | 14.3% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $745,000 | $2,980,000 | 300.0% | 0.5% |
| Prosperity Home Mortgage, LLC | $1,930,000 | $2,965,000 | 53.6% | 0.5% |
| First Heritage Mortgage, LLC | $3,855,000 | $2,915,000 | -24.4% | 0.5% |
| CMG MORTGAGE, INC. | $915,000 | $2,705,000 | 195.6% | 0.5% |
| JPMorgan Chase Bank | $1,915,000 | $2,590,000 | 35.2% | 0.5% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $460,000 | $2,460,000 | 434.8% | 0.4% |
| Vellum Mortgage, Inc. | $1,395,000 | $2,360,000 | 69.2% | 0.4% |
| COMMONWEALTH ONE FEDERAL CREDIT UNION | $5,535,000 | $2,355,000 | -57.5% | 0.4% |
| LIMA ONE CAPITAL, LLC | $1,965,000 | $2,285,000 | 16.3% | 0.4% |
| Blue Ridge Bank | $2,375,000 | $2,130,000 | -10.3% | 0.4% |
| Summit Community Bank, Inc. | $9,105,000 | $2,130,000 | -76.6% | 0.4% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,015,000 | n/a | 0.4% | |
| NexBank | $1,940,000 | n/a | 0.3% | |
| Century Mortgage Company DBA Century Lending Company | $1,950,000 | $1,935,000 | -0.8% | 0.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $315,000 | $1,805,000 | 473.0% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $545,000 | $1,785,000 | 227.5% | 0.3% |
| NBKC BANK | $750,000 | $1,775,000 | 136.7% | 0.3% |
| Flagstar Bank, FSB | $1,765,000 | n/a | 0.3% | |
| Wells Fargo Bank | $4,515,000 | $1,685,000 | -62.7% | 0.3% |
| CROSSCOUNTRY MORTGAGE, LLC | $3,265,000 | $1,630,000 | -50.1% | 0.3% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,615,000 | n/a | 0.3% | |
| Fulton Bank | $31,095,000 | $1,610,000 | -94.8% | 0.3% |
| CAPITAL CENTER, L.L.C. | $1,185,000 | $1,600,000 | 35.0% | 0.3% |
| Hometown Equity Mortgage, LLC | $395,000 | $1,560,000 | 294.9% | 0.3% |
| HOMESPIRE MORTGAGE CORPORATION | $1,955,000 | $1,545,000 | -21.0% | 0.3% |
| City National Bank of West Virginia | $1,305,000 | $1,535,000 | 17.6% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,335,000 | $1,445,000 | 8.2% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,360,000 | $1,435,000 | 5.5% | 0.3% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,730,000 | $1,415,000 | -18.2% | 0.2% |
| GUILD MORTGAGE COMPANY | $665,000 | $1,385,000 | 108.3% | 0.2% |
| The Federal Savings Bank | $1,265,000 | $1,370,000 | 8.3% | 0.2% |
| Plains Commerce Bank | $175,000 | $1,365,000 | 680.0% | 0.2% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,740,000 | $1,340,000 | -23.0% | 0.2% |
| Acre Mortgage and Financial Inc | $1,530,000 | $1,325,000 | -13.4% | 0.2% |
| CALCON MUTUAL MORTGAGE LLC | $1,325,000 | n/a | 0.2% | |
| CARDINAL FINANCIAL | $1,305,000 | $1,285,000 | -1.5% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $1,280,000 | n/a | 0.2% | |
| ALLIANT CREDIT UNION | $65,000 | $1,260,000 | 1,838.5% | 0.2% |
| EVERENCE FEDERAL CREDIT UNION | $520,000 | $1,230,000 | 136.5% | 0.2% |
| Renasant Bank | $870,000 | $1,200,000 | 37.9% | 0.2% |
| STATE EMPLOYEES' | $205,000 | $1,200,000 | 485.4% | 0.2% |
| Meridian Bank Corporation | $1,175,000 | n/a | 0.2% | |
| Farm Credit of the Virginias, ACA | $1,480,000 | $1,085,000 | -26.7% | 0.2% |
| FIRST HOME MORTGAGE CORPORATION | $1,055,000 | n/a | 0.2% | |
| Citizens Bank | $4,825,000 | $1,015,000 | -79.0% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $1,045,000 | $980,000 | -6.2% | 0.2% |
| CANOPY MORTGAGE, LLC | $980,000 | n/a | 0.2% | |
| AmeriHome Mortgage Company, LLC | $965,000 | n/a | 0.2% | |
| LOANDEPOT.COM, LLC | $2,460,000 | $950,000 | -61.4% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $940,000 | n/a | 0.2% | |
| U.S. Bank | $1,825,000 | $935,000 | -48.8% | 0.2% |
| BETTER MORTGAGE CORPORATION | $890,000 | $910,000 | 2.2% | 0.2% |
| Ixonia Bank | $895,000 | n/a | 0.2% | |
| Florida Capital Bank | $870,000 | n/a | 0.2% | |
| TOWER | $565,000 | $835,000 | 47.8% | 0.1% |
| Bank of Clarke County | $775,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $860,000 | $765,000 | -11.0% | 0.1% |
| Select Bank | $1,010,000 | $760,000 | -24.8% | 0.1% |
| MILEND, INC. | $305,000 | $745,000 | 144.3% | 0.1% |
| INTERCOASTAL MORTGAGE COMPANY | $275,000 | $740,000 | 169.1% | 0.1% |
| Ameris Bank | $730,000 | n/a | 0.1% | |
| LENDINGHOME FUNDING CORPORATION | $145,000 | $730,000 | 403.4% | 0.1% |
| Northwest Federal Credit Union | $675,000 | n/a | 0.1% | |
| Waterstone Mortgage Corporation | $5,245,000 | $640,000 | -87.8% | 0.1% |
| GSF Mortgage Corporation | $1,715,000 | $630,000 | -63.3% | 0.1% |
| Commerce Home Mortgage, Inc. | $770,000 | $620,000 | -19.5% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $450,000 | $615,000 | 36.7% | 0.1% |
| GoPrime Mortgage, Inc. | $610,000 | n/a | 0.1% | |
| American Mortgage & Equity Consultants, Inc. | $605,000 | n/a | 0.1% | |
| First National Bank of America | $595,000 | n/a | 0.1% | |
| ARC HOME LLC | $585,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $675,000 | $585,000 | -13.3% | 0.1% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $575,000 | n/a | 0.1% | |
| M&T Bank | $90,000 | $575,000 | 538.9% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $200,000 | $555,000 | 177.5% | 0.1% |
| Equity Prime Mortgage LLC | $530,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $520,000 | n/a | 0.1% | |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $685,000 | $505,000 | -26.3% | 0.1% |
| PIONEER BANK | $1,705,000 | $500,000 | -70.7% | 0.1% |
| UIF CORPORATION | $235,000 | $500,000 | 112.8% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,710,000 | $490,000 | -71.3% | 0.1% |
| Discover Bank | $310,000 | $490,000 | 58.1% | 0.1% |
| Virginia National Bank | $490,000 | n/a | 0.1% | |
| MORTGAGE ACCESS CORP. | $475,000 | n/a | 0.1% | |
| Strong Home Mortgage, LLC | $335,000 | $475,000 | 41.8% | 0.1% |
| PNC Bank | $1,220,000 | $465,000 | -61.9% | 0.1% |
| TOWNE MORTGAGE COMPANY | $465,000 | n/a | 0.1% | |
| Watermark Capital, Inc. | $465,000 | n/a | 0.1% | |
| Magnolia Bank | $460,000 | n/a | 0.1% | |
| Nations Lending Corporation | $165,000 | $460,000 | 178.8% | 0.1% |
| Sunflower Bank | $515,000 | $445,000 | -13.6% | 0.1% |
| Towne Bank | $1,055,000 | $445,000 | -57.8% | 0.1% |
| PHH Mortgage Corporation | $495,000 | $435,000 | -12.1% | 0.1% |
| Beeline Loans, Inc. | $425,000 | n/a | 0.1% | |
| Figure Lending LLC | $315,000 | $425,000 | 34.9% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $1,055,000 | $425,000 | -59.7% | 0.1% |
| First Federal Bank of Kansas City | $420,000 | n/a | 0.1% | |
| PLANET HOME LENDING, LLC | $415,000 | n/a | 0.1% | |
| City Lending Inc. | $410,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $405,000 | n/a | 0.1% | |
| PARTNERS 1ST Federal Credit Union | $170,000 | $405,000 | 138.2% | 0.1% |
| Servion, Inc. | $405,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $400,000 | n/a | 0.1% | |
| First Federal Bank | $265,000 | $385,000 | 45.3% | 0.1% |
| Mortgage Assurance Inc. | $385,000 | n/a | 0.1% | |
| Chesapeake Bank | $355,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $355,000 | n/a | 0.1% | |
| University Bank | $355,000 | n/a | 0.1% | |
| DIRECT MORTGAGE LOANS, LLC | $345,000 | n/a | 0.1% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $440,000 | $345,000 | -21.6% | 0.1% |
| Coastal Community Bank | $335,000 | n/a | 0.1% | |
| First United Corporation | $325,000 | n/a | 0.1% | |
| NEXERA HOLDING LLC | $325,000 | n/a | 0.1% | |
| SWBC MORTGAGE CORPORATION | $325,000 | n/a | 0.1% | |
| Bank-Fund Staff Federal Credit Union | $315,000 | n/a | 0.1% | |
| CLEARPATH LENDING | $490,000 | $315,000 | -35.7% | 0.1% |
| EMM LOANS LLC | $315,000 | n/a | 0.1% | |
| Farmers Bank & Trust | $315,000 | n/a | 0.1% | |
| First National Bank | $305,000 | n/a | 0.1% | |
| FUNDLOANS CAPITAL | $305,000 | n/a | 0.1% | |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $295,000 | n/a | 0.1% | |
| MEMBER ADVANTAGE MORTGAGE, LLC | $765,000 | $280,000 | -63.4% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $275,000 | n/a | 0.0% | |
| Ally Bank | $265,000 | n/a | 0.0% | |
| CONTOUR MORTGAGE CORPORATION | $265,000 | n/a | 0.0% | |
| AgFirst Farm Credit Bank | $315,000 | $255,000 | -19.0% | 0.0% |
| EMBRACE HOME LOANS, INC. | $1,630,000 | $255,000 | -84.4% | 0.0% |
| INTELLILOAN, INC. | $255,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $405,000 | $245,000 | -39.5% | 0.0% |
| Raymond James Bank | $235,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $315,000 | $225,000 | -28.6% | 0.0% |
| The Dart Bank | $215,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $85,000 | $210,000 | 147.1% | 0.0% |
| NATION ONE MORTGAGE CORPORATION | $205,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $195,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $185,000 | n/a | 0.0% | |
| Southern Bank and Trust Company | $245,000 | $185,000 | -24.5% | 0.0% |
| T2 FINANCIAL LLC | $185,000 | n/a | 0.0% | |
| TOP FLITE FINANCIAL, INC. | $185,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $185,000 | n/a | 0.0% | |
| 21ST MORTGAGE CORPORATION | $180,000 | n/a | 0.0% | |
| HighTechLending Inc | $175,000 | n/a | 0.0% | |
| LANGLEY | $25,000 | $175,000 | 600.0% | 0.0% |
| LOANPAL, LLC | $150,000 | $175,000 | 16.7% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $195,000 | $165,000 | -15.4% | 0.0% |
| OAKTREE FUNDING CORP. | $165,000 | n/a | 0.0% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $165,000 | n/a | 0.0% | |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | $165,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $85,000 | $160,000 | 88.2% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $365,000 | $155,000 | -57.5% | 0.0% |
| Citadel Servicing Corporation | $155,000 | n/a | 0.0% | |
| MEMBER ONE | $55,000 | $155,000 | 181.8% | 0.0% |
| The Freedom Bank of Virginia | $165,000 | $155,000 | -6.1% | 0.0% |
| TOTAL MORTGAGE SERVICES, LLC | $155,000 | n/a | 0.0% | |
| TEACHERS CREDIT UNION | $145,000 | n/a | 0.0% | |
| MERCK EMPLOYEES FEDERAL CREDIT UNION | $35,000 | $125,000 | 257.1% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $170,000 | $115,000 | -32.4% | 0.0% |
| EVANSVILLE TEACHERS | $105,000 | n/a | 0.0% | |
| AMERICAN FINANCING CORPORATION | $245,000 | $85,000 | -65.3% | 0.0% |
| Citizens and Farmers Bank | $325,000 | $85,000 | -73.8% | 0.0% |
| NEXTMARK | $400,000 | $65,000 | -83.8% | 0.0% |
| Apple Federal Credit Union | $60,000 | n/a | 0.0% | |
| Capon Valley Bank | $45,000 | n/a | 0.0% |
HARRISONBURG's top lender by overall market share is F & M BANK CORP., with 9.1% market share. In second place, with 8.2%, is NVR Mortgage Finance, Inc., having originated $46,570,000 in loans. In third place, with 7.8%, is PARK VIEW FEDERAL CREDIT UNION, having originated $44,375,000 in loans. In fourth place, with 4.8%, is Integrity Home Mortgage Corp, having originated $27,190,000 in loans. In fifth place, with 4.3%, is QUICKEN LOANS, LLC, having originated $24,580,000 in loans.
HARRISONBURG Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - HARRISONBURG (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 | $246,300 (10.8%) | $367,059 (24.4%) | 0.00 | 318 |
| 2018-02-01 | $249,650 (8.1%) | $379,654 (21.1%) | 0.00 | 313 |
| 2018-03-01 | $258,786 (8.0%) | $374,763 (11.7%) | 0.00 | 332 |
| 2018-04-01 | $268,528 (3.3%) | $373,098 (7.2%) | 0.00 | 358 |
| 2018-05-01 | $265,000 (-1.8%) | $367,611 (5.1%) | 0.00 | 377 |
| 2018-06-01 | $263,000 (-4.3%) | $371,162 (4.3%) | 0.00 | 386 |
| 2018-07-01 | $257,325 (-6.4%) | $348,753 (-2.0%) | 0.00 | 376 |
| 2018-08-01 | $262,750 (5.1%) | $349,041 (1.2%) | 0.00 | 386 |
| 2018-09-01 | $259,900 (4.0%) | $340,025 (-1.7%) | 0.00 | 369 |
| 2018-10-01 | $259,800 (5.5%) | $344,604 (1.0%) | 0.00 | 363 |
| 2018-11-01 | $262,400 (6.9%) | $355,133 (2.7%) | 0.00 | 352 |
| 2018-12-01 | $260,000 (8.6%) | $360,531 (0.8%) | 0.00 | 324 |
| 2019-01-01 | $259,575 (5.4%) | $364,788 (-0.6%) | 0.00 | 303 |
| 2019-02-01 | $251,975 (0.9%) | $356,539 (-6.1%) | 0.00 | 299 |
| 2019-03-01 | $265,100 (2.4%) | $364,388 (-2.8%) | 0.00 | 292 |
| 2019-04-01 | $279,900 (4.2%) | $367,892 (-1.4%) | 0.00 | 287 |
| 2019-05-01 | $286,000 (7.9%) | $378,317 (2.9%) | 0.00 | 291 |
| 2019-06-01 | $299,825 (14.0%) | $457,646 (23.3%) | 0.00 | 306 |
| 2019-07-01 | $299,900 (16.6%) | $459,508 (31.8%) | 0.00 | 308 |
| 2019-08-01 | $298,427 (13.6%) | $465,376 (33.3%) | 0.00 | 308 |
| 2019-09-01 | $296,218 (14.0%) | $468,885 (37.9%) | 0.00 | 308 |
| 2019-10-01 | $291,750 (12.3%) | $420,041 (21.9%) | 0.00 | 301 |
| 2019-11-01 | $288,250 (9.9%) | $365,847 (3.0%) | 0.00 | 270 |
| 2019-12-01 | $285,225 (9.7%) | $366,814 (1.7%) | 0.00 | 222 |
| 2020-01-01 | $289,675 (11.6%) | $372,556 (2.1%) | 0.00 | 197 |
| 2020-02-01 | $295,000 (17.1%) | $379,570 (6.5%) | 0.00 | 197 |
| 2020-03-01 | $308,711 (16.5%) | $397,553 (9.1%) | 0.00 | 203 |
| 2020-04-01 | $297,181 (6.2%) | $384,602 (4.5%) | 0.00 | 230 |
| 2020-05-01 | $299,900 (4.9%) | $379,078 (0.2%) | 0.00 | 233 |
| 2020-06-01 | $309,175 (3.1%) | $387,324 (-15.4%) | 0.00 | 229 |
| 2020-07-01 | $316,125 (5.4%) | $401,609 (-12.6%) | 0.00 | 220 |
| 2020-08-01 | $317,500 (6.4%) | $413,992 (-11.0%) | 0.00 | 197 |
| 2020-09-01 | $321,200 (8.4%) | $430,337 (-8.2%) | 0.00 | 160 |
| 2020-10-01 | $309,450 (6.1%) | $429,734 (2.3%) | 0.00 | 173 |
| 2020-11-01 | $298,500 (3.6%) | $425,869 (16.4%) | 0.00 | 171 |
| 2020-12-01 | $299,495 (5.0%) | $408,716 (11.4%) | 0.00 | 149 |
| 2021-01-01 | $305,000 (5.3%) | $420,021 (12.7%) | 0.00 | 127 |
| 2021-02-01 | $300,498 (1.9%) | $441,419 (16.3%) | 0.00 | 115 |
| 2021-03-01 | $289,250 (-6.3%) | $445,483 (12.1%) | 0.00 | 121 |
| 2021-04-01 | $299,558 (0.8%) | $453,737 (18.0%) | 0.00 | 121 |
| 2021-05-01 | $299,000 (-0.3%) | $458,969 (21.1%) | 0.00 | 115 |
| 2021-06-01 | $310,275 (0.4%) | $472,349 (22.0%) | 0.00 | 109 |
| 2021-07-01 | $310,400 (-1.8%) | $467,010 (16.3%) | 0.00 | 146 |
| 2021-08-01 | $305,175 (-3.9%) | $444,066 (7.3%) | 0.00 | 141 |
| 2021-09-01 | $303,173 (-5.6%) | $431,942 (0.4%) | 0.00 | 151 |
| 2021-10-01 | $314,950 (1.8%) | $454,599 (5.8%) | 0.00 | 137 |
| 2021-11-01 | $331,748 (11.1%) | $478,252 (12.3%) | 0.00 | 114 |
| 2021-12-01 | $328,000 (9.5%) | $467,558 (14.4%) | 0.00 | 101 |
| 2022-01-01 | $345,000 (13.1%) | $451,078 (7.4%) | 0.00 | 109 |
| 2022-02-01 | $346,500 (15.3%) | $457,987 (3.8%) | 0.00 | 107 |
| 2022-03-01 | $346,500 (19.8%) | $431,325 (-3.2%) | 0.00 | 124 |
| 2022-04-01 | $349,000 (16.5%) | $434,398 (-4.3%) | 0.00 | 140 |
| 2022-05-01 | $328,743 (10.0%) | $410,885 (-10.5%) | 0.00 | 139 |
| 2022-06-01 | $346,248 (11.6%) | $409,271 (-13.4%) | 0.00 | 161 |
| 2022-07-01 | $339,900 (9.5%) | $402,076 (-13.9%) | 0.00 | 168 |
| 2022-08-01 | $343,975 (12.7%) | $421,129 (-5.2%) | 0.00 | 173 |
| 2022-09-01 | $347,750 (14.7%) | $443,518 (2.7%) | 0.00 | 148 |
| 2022-10-01 | $332,000 (5.4%) | $445,297 (-2.1%) | 0.00 | 151 |
| 2022-11-01 | $348,000 (4.9%) | $436,543 (-8.7%) | 0.00 | 146 |
| 2022-12-01 | $339,000 (3.4%) | $437,556 (-6.4%) | 0.00 | 136 |
| 2023-01-01 | $348,450 (1.0%) | $439,764 (-2.5%) | 0.00 | 130 |
| 2023-02-01 | $349,900 (1.0%) | $434,814 (-5.1%) | 0.00 | 117 |
| 2023-03-01 | $348,950 (0.7%) | $433,019 (0.4%) | 0.00 | 119 |
| 2023-04-01 | $362,495 (3.9%) | $449,558 (3.5%) | 0.00 | 125 |
| 2023-05-01 | $354,950 (8.0%) | $446,274 (8.6%) | 0.00 | 132 |
| 2023-06-01 | $377,445 (9.0%) | $451,962 (10.4%) | 0.00 | 142 |
| 2023-07-01 | $382,495 (12.5%) | $451,473 (12.3%) | 0.00 | 151 |
| 2023-08-01 | $388,498 (12.9%) | $469,120 (11.4%) | 0.00 | 186 |
| 2023-09-01 | $383,495 (10.3%) | $479,384 (8.1%) | 0.00 | 203 |
| 2023-10-01 | $380,995 (14.8%) | $481,296 (8.1%) | 0.00 | 215 |
| 2023-11-01 | $369,968 (6.3%) | $466,798 (6.9%) | 0.00 | 235 |
| 2023-12-01 | $369,990 (9.1%) | $471,382 (7.7%) | 0.00 | 217 |
| 2024-01-01 | $369,845 (6.1%) | $450,359 (2.4%) | 0.00 | 194 |
| 2024-02-01 | $369,948 (5.7%) | $447,400 (2.9%) | 0.00 | 175 |
| 2024-03-01 | $379,990 (8.9%) | $461,965 (6.7%) | 0.00 | 172 |
| 2024-04-01 | $379,220 (4.6%) | $475,805 (5.8%) | 0.00 | 186 |
| 2024-05-01 | $372,875 (5.1%) | $471,080 (5.6%) | 0.00 | 185 |
| 2024-06-01 | $374,900 (-0.7%) | $475,303 (5.2%) | 0.00 | 175 |
| 2024-07-01 | $397,750 (4.0%) | $485,656 (7.6%) | 0.00 | 161 |
| 2024-08-01 | $395,000 (1.7%) | $482,532 (2.9%) | 0.00 | 176 |
| 2024-09-01 | $391,000 (2.0%) | $481,425 (0.4%) | 0.00 | 176 |
| 2024-10-01 | $379,673 (-0.4%) | $470,932 (-2.2%) | 0.00 | 177 |
| 2024-11-01 | $389,450 (5.3%) | $488,770 (4.7%) | 0.00 | 165 |
| 2024-12-01 | $394,675 (6.7%) | $500,728 (6.2%) | 0.00 | 163 |
| 2025-01-01 | $395,697 (7.0%) | $516,199 (14.6%) | 0.00 | 151 |
| 2025-02-01 | $401,313 (8.5%) | $531,420 (18.8%) | 0.00 | 145 |
| 2025-03-01 | $417,000 (9.7%) | $546,032 (18.2%) | 0.00 | 161 |
| 2025-04-01 | $410,200 (8.2%) | $546,093 (14.8%) | 0.00 | 176 |
| 2025-05-01 | $389,945 (4.6%) | $530,811 (12.7%) | 0.00 | 180 |
| 2025-06-01 | $394,900 (5.3%) | $515,886 (8.5%) | 0.00 | 219 |
HARRISONBURG's median listing price for 2025-06-01 was $394,900, a difference of
$20,000
(5.3%) versus the prior year and
$4,955 versus the prior month.
HARRISONBURG's median listing price comes in at 0% of the national average.
HARRISONBURG's average listing price for 2025-06-01 was $515,886, a difference of $40,583 (8.5%) versus the prior year and $-14,925 versus the prior month.
For the 2025-06-01 period, HARRISONBURG had 219 MLS listings, a difference of 39 listings (22%) versus the prior month and 44 listings (25%) versus the prior year.
HARRISONBURG's median listing price comes in at 0% of the national average.
HARRISONBURG's average listing price for 2025-06-01 was $515,886, a difference of $40,583 (8.5%) versus the prior year and $-14,925 versus the prior month.
For the 2025-06-01 period, HARRISONBURG had 219 MLS listings, a difference of 39 listings (22%) versus the prior month and 44 listings (25%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - HARRISONBURG (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,921 sqft |
| 2018-02-01 | 0 days | 1,983 sqft |
| 2018-03-01 | 0 days | 2,000 sqft |
| 2018-04-01 | 0 days | 2,017 sqft |
| 2018-05-01 | 0 days | 1,997 sqft |
| 2018-06-01 | 0 days | 1,986 sqft |
| 2018-07-01 | 0 days | 1,979 sqft |
| 2018-08-01 | 0 days | 1,989 sqft |
| 2018-09-01 | 0 days | 2,009 sqft |
| 2018-10-01 | 0 days | 1,947 sqft |
| 2018-11-01 | 0 days | 2,029 sqft |
| 2018-12-01 | 0 days | 2,028 sqft |
| 2019-01-01 | 0 days | 2,018 sqft |
| 2019-02-01 | 0 days | 1,895 sqft |
| 2019-03-01 | 0 days | 1,982 sqft |
| 2019-04-01 | 0 days | 2,096 sqft |
| 2019-05-01 | 0 days | 2,147 sqft |
| 2019-06-01 | 0 days | 2,203 sqft |
| 2019-07-01 | 0 days | 2,191 sqft |
| 2019-08-01 | 0 days | 2,174 sqft |
| 2019-09-01 | 0 days | 2,146 sqft |
| 2019-10-01 | 0 days | 2,113 sqft |
| 2019-11-01 | 0 days | 2,100 sqft |
| 2019-12-01 | 0 days | 2,101 sqft |
| 2020-01-01 | 0 days | 2,070 sqft |
| 2020-02-01 | 0 days | 2,099 sqft |
| 2020-03-01 | 0 days | 2,156 sqft |
| 2020-04-01 | 0 days | 2,085 sqft |
| 2020-05-01 | 0 days | 2,099 sqft |
| 2020-06-01 | 0 days | 2,106 sqft |
| 2020-07-01 | 0 days | 2,080 sqft |
| 2020-08-01 | 0 days | 2,094 sqft |
| 2020-09-01 | 0 days | 2,090 sqft |
| 2020-10-01 | 0 days | 1,950 sqft |
| 2020-11-01 | 0 days | 1,866 sqft |
| 2020-12-01 | 0 days | 1,776 sqft |
| 2021-01-01 | 0 days | 1,800 sqft |
| 2021-02-01 | 0 days | 1,788 sqft |
| 2021-03-01 | 0 days | 1,781 sqft |
| 2021-04-01 | 0 days | 1,785 sqft |
| 2021-05-01 | 0 days | 1,839 sqft |
| 2021-06-01 | 0 days | 1,841 sqft |
| 2021-07-01 | 0 days | 1,845 sqft |
| 2021-08-01 | 0 days | 1,839 sqft |
| 2021-09-01 | 0 days | 1,822 sqft |
| 2021-10-01 | 0 days | 1,742 sqft |
| 2021-11-01 | 0 days | 1,837 sqft |
| 2021-12-01 | 0 days | 1,791 sqft |
| 2022-01-01 | 0 days | 1,841 sqft |
| 2022-02-01 | 0 days | 1,854 sqft |
| 2022-03-01 | 0 days | 1,854 sqft |
| 2022-04-01 | 0 days | 1,863 sqft |
| 2022-05-01 | 0 days | 1,680 sqft |
| 2022-06-01 | 0 days | 1,797 sqft |
| 2022-07-01 | 0 days | 1,797 sqft |
| 2022-08-01 | 0 days | 1,871 sqft |
| 2022-09-01 | 0 days | 1,893 sqft |
| 2022-10-01 | 0 days | 1,908 sqft |
| 2022-11-01 | 0 days | 1,908 sqft |
| 2022-12-01 | 0 days | 1,848 sqft |
| 2023-01-01 | 0 days | 1,870 sqft |
| 2023-02-01 | 0 days | 1,866 sqft |
| 2023-03-01 | 0 days | 1,796 sqft |
| 2023-04-01 | 0 days | 1,854 sqft |
| 2023-05-01 | 0 days | 1,813 sqft |
| 2023-06-01 | 0 days | 1,907 sqft |
| 2023-07-01 | 0 days | 1,933 sqft |
| 2023-08-01 | 0 days | 1,976 sqft |
| 2023-09-01 | 0 days | 1,932 sqft |
| 2023-10-01 | 0 days | 1,950 sqft |
| 2023-11-01 | 0 days | 1,921 sqft |
| 2023-12-01 | 0 days | 1,909 sqft |
| 2024-01-01 | 0 days | 1,887 sqft |
| 2024-02-01 | 0 days | 1,853 sqft |
| 2024-03-01 | 0 days | 1,828 sqft |
| 2024-04-01 | 0 days | 1,832 sqft |
| 2024-05-01 | 0 days | 1,792 sqft |
| 2024-06-01 | 0 days | 1,768 sqft |
| 2024-07-01 | 0 days | 1,890 sqft |
| 2024-08-01 | 0 days | 1,886 sqft |
| 2024-09-01 | 0 days | 1,940 sqft |
| 2024-10-01 | 0 days | 1,853 sqft |
| 2024-11-01 | 0 days | 1,947 sqft |
| 2024-12-01 | 0 days | 1,961 sqft |
| 2025-01-01 | 0 days | 1,943 sqft |
| 2025-02-01 | 0 days | 1,974 sqft |
| 2025-03-01 | 0 days | 1,955 sqft |
| 2025-04-01 | 0 days | 1,978 sqft |
| 2025-05-01 | 0 days | 1,939 sqft |
| 2025-06-01 | 0 days | 1,879 sqft |
HARRISONBURG's median listing age (time on market) for 2025-06-01 was 0 days.
HARRISONBURG's median square footage for active listings during the 2025-06-01 period was 1,879 sqft. One year prior, the average listing was 1,768 sqft.
HARRISONBURG's median square footage for active listings during the 2025-06-01 period was 1,879 sqft. One year prior, the average listing was 1,768 sqft.
HARRISONBURG, VA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,365 | $411,525,000 | $301,484 |
| Cash Out Refi | 260 | $58,960,000 | $226,769 |
| Other | 232 | $26,160,000 | $112,759 |
| Refi | 217 | $54,435,000 | $250,853 |
| Home Improvement | 156 | $15,740,000 | $100,897 |
Harrisonburg's most frequently cited loan purpose was Home Purchase, with 1,365 originations. The 2nd most popular reason was Cash Out Refi, with 260 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 866 | $242,490,000 | $280,012 |
| 7-8% | 557 | $143,865,000 | $258,285 |
| Over 8% | 405 | $51,185,000 | $126,383 |
| 5-6% | 279 | $81,935,000 | $293,674 |
| 4-5% | 26 | $20,430,000 | $785,769 |
| 3-4% | 3 | $525,000 | $175,000 |
| <2.5% | 2 | $10,000 | $5,000 |
| 2.5-3% | 1 | $95,000 | $95,000 |
During 2024, Harrisonburg's most frequently originated rate bucket was 6-7%, with 866 originations.
Loan Sizing (HARRISONBURG, VA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,039 | $295,325,000 | $284,240 |
| $100k-200k | 468 | $70,680,000 | $151,026 |
| $100,000 or less | 418 | $23,240,000 | $55,598 |
| $400k-600k | 230 | $108,070,000 | $469,870 |
| $600k-1000k | 66 | $46,890,000 | $710,455 |
| $Over $1MM | 9 | $22,615,000 | $2,512,778 |
HARRISONBURG's loan sizing saw the bucket of loans from $200k-400k with 1,039 originations, totaling $295,325,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 841 | $274,215,000 | $326,058 |
| 60-80% | 509 | $149,655,000 | $294,018 |
| Under 20% | 273 | $14,835,000 | $54,341 |
| 20-40% | 271 | $33,115,000 | $122,196 |
| 40-60% | 202 | $54,680,000 | $270,693 |
| Over 100% | 20 | $7,840,000 | $392,000 |
HARRISONBURG's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 841 originations, totaling $274,215,000 in origination value.