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
7.36%
for the week of 2026-11-05, compared to the national average of
7.18% for the same period.
The average rate for the prior week (2026-10-29) was
7.42% and
one month ago for the week of 2026-10-01, the
average rate was 7.56%.
Harrisonburg's average rate one year ago was 6.35%.
For refis of the same type during the week of 2026-11-05, the average rate
was 7.29%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2026-11-05 | 7.18% |
| Harrisonburg 30 Year Fixed Rate | 2026-11-05 | 7.36% |
| Harrisonburg 30 Year Fixed Rate Refi | 2026-11-05 | 7.29% |
| Harrisonburg 15 Year Fixed Rate | 2026-11-05 | 6.37% |
| Harrisonburg 15 Year Fixed Rate Refi | 2026-11-05 | 6.87% |
| Harrisonburg 30 Year FHA | 2026-11-05 | 6.98% |
| Harrisonburg 30 Year FHA Refi | 2026-11-05 | 6.73% |
| Harrisonburg 30 Year USDA | 2026-11-05 | 7.2% |
| Harrisonburg 30 Year USDA Refi | 2026-11-05 | 6.8% |
| Harrisonburg 30 Year VA | 2026-11-05 | 6.96% |
| Harrisonburg 30 Year VA Refi | 2026-11-05 | 6.56% |
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 115 lenders originated 2,366
loans during 2025. The total origination value was $1,186,450,000, with an average loan value of
$501,458.
HARRISONBURG's average closing costs are $5,286.
The top HARRISONBURG lender as defined by loan originations is F & M BANK CORP., with
117 loans originated. Their average total fees are
$4,354, which is $2,353
lower than the next largest lender,
Integrity Home Mortgage Corp.
The lowest fee HARRISONBURG lenders (with over 10 loans originated) are
DUPONT COMMUNITY ($3,262), F & M BANK CORP. ($4,354), Atlantic Coast Mortgage, LLC ($4,548), Alcova Mortgage LLC ($4,550) and HOMESIDE FINANCIAL, LLC ($5,325).
The lowest rate HARRISONBURG lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.30%), United Bank (6.33%), NVR Mortgage Finance, Inc. (6.34%), DUPONT COMMUNITY (6.39%) and Truist (6.45%).
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 | 2024 Loan Value | 2025 Loan Value | % Change | 2025 Market Share |
|---|---|---|---|---|
| TEACHERS CREDIT UNION | $145,000 | $500,005,000 | 344,731.0% | 42.1% |
| LENDINGONE, LLC | $400,000 | $60,885,000 | 15,121.3% | 5.1% |
| F & M BANK CORP. | $51,670,000 | $52,360,000 | 1.3% | 4.4% |
| DUPONT COMMUNITY | $20,835,000 | $37,755,000 | 81.2% | 3.2% |
| UNITED WHOLESALE MORTGAGE, LLC | $16,990,000 | $34,080,000 | 100.6% | 2.9% |
| Integrity Home Mortgage Corp | $27,190,000 | $33,835,000 | 24.4% | 2.9% |
| NVR Mortgage Finance, Inc. | $46,570,000 | $29,405,000 | -36.9% | 2.5% |
| QUICKEN LOANS, LLC | $24,580,000 | $27,185,000 | 10.6% | 2.3% |
| Wells Fargo Bank | $1,685,000 | $25,820,000 | 1,432.3% | 2.2% |
| MOVEMENT MORTGAGE, LLC | $18,365,000 | $24,100,000 | 31.2% | 2.0% |
| Truist | $15,960,000 | $21,840,000 | 36.8% | 1.8% |
| Alcova Mortgage LLC | $13,760,000 | $19,285,000 | 40.2% | 1.6% |
| PARK VIEW FEDERAL CREDIT UNION | $44,375,000 | $18,260,000 | -58.9% | 1.5% |
| United Bank | $17,380,000 | $18,080,000 | 4.0% | 1.5% |
| Pendleton Community Bank, Inc. | $6,220,000 | $10,590,000 | 70.3% | 0.9% |
| Atlantic Union Bank | $9,255,000 | $8,850,000 | -4.4% | 0.7% |
| PIONEER BANK | $500,000 | $8,555,000 | 1,611.0% | 0.7% |
| HOMESIDE FINANCIAL, LLC | $5,050,000 | $7,965,000 | 57.7% | 0.7% |
| Atlantic Coast Mortgage, LLC | $8,000,000 | $7,620,000 | -4.8% | 0.6% |
| FIRST BANCORP | $3,810,000 | $7,390,000 | 94.0% | 0.6% |
| UNION HOME MORTGAGE CORP. | $4,355,000 | $5,895,000 | 35.4% | 0.5% |
| GUILD MORTGAGE COMPANY | $1,385,000 | $5,710,000 | 312.3% | 0.5% |
| Century Mortgage Company DBA Century Lending Company | $1,935,000 | $5,705,000 | 194.8% | 0.5% |
| FREEDOM MORTGAGE CORPORATION | $2,980,000 | $5,635,000 | 89.1% | 0.5% |
| First-Citizens Bank & Trust Company | $8,050,000 | $5,490,000 | -31.8% | 0.5% |
| Mortgage Research Center, LLC | $4,785,000 | $5,480,000 | 14.5% | 0.5% |
| NAVY FEDERAL CREDIT UNION | $5,455,000 | $5,475,000 | 0.4% | 0.5% |
| PENNYMAC LOAN SERVICES, LLC | $3,740,000 | $5,430,000 | 45.2% | 0.5% |
| FIRST SAVINGS MORTGAGE CORPORATION | $5,015,000 | $5,225,000 | 4.2% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,630,000 | $5,110,000 | 213.5% | 0.4% |
| Virginia Credit Union, Inc. | $3,230,000 | $4,875,000 | 50.9% | 0.4% |
| C & F Mortgage Corporation | $5,965,000 | $4,855,000 | -18.6% | 0.4% |
| UNIVERSITY OF VIRGINIA COMMUNITY CREDIT UNION,INC. | $5,955,000 | $4,850,000 | -18.6% | 0.4% |
| First Bank | $3,120,000 | $4,435,000 | 42.1% | 0.4% |
| MORIA DEVELOPMENT, INC. | $245,000 | $4,240,000 | 1,630.6% | 0.4% |
| NEWREZ LLC | $3,595,000 | $3,825,000 | 6.4% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,435,000 | $3,765,000 | 162.4% | 0.3% |
| JPMorgan Chase Bank | $2,590,000 | $3,690,000 | 42.5% | 0.3% |
| First Heritage Mortgage, LLC | $2,915,000 | $3,480,000 | 19.4% | 0.3% |
| TOTAL MORTGAGE SERVICES, LLC | $155,000 | $3,475,000 | 2,141.9% | 0.3% |
| Ixonia Bank | $895,000 | $3,220,000 | 259.8% | 0.3% |
| DHI MORTGAGE COMPANY, LTD. | $4,420,000 | $3,120,000 | -29.4% | 0.3% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $3,025,000 | n/a | 0.3% | |
| EVERETT FINANCIAL, INC. | $6,275,000 | $2,965,000 | -52.7% | 0.2% |
| COMMONWEALTH ONE FEDERAL CREDIT UNION | $2,355,000 | $2,950,000 | 25.3% | 0.2% |
| Burke & Herbert Bank & Trust Company | $4,570,000 | $2,830,000 | -38.1% | 0.2% |
| Commerce Home Mortgage, Inc. | $620,000 | $2,695,000 | 334.7% | 0.2% |
| NFM, INC. | $3,135,000 | $2,685,000 | -14.4% | 0.2% |
| LOANDEPOT.COM, LLC | $950,000 | $2,620,000 | 175.8% | 0.2% |
| BROKER SOLUTIONS, INC. | $1,445,000 | $2,590,000 | 79.2% | 0.2% |
| City National Bank of West Virginia | $1,535,000 | $2,585,000 | 68.4% | 0.2% |
| Vellum Mortgage, Inc. | $2,360,000 | $2,460,000 | 4.2% | 0.2% |
| Prosperity Home Mortgage, LLC | $2,965,000 | $2,315,000 | -21.9% | 0.2% |
| USAA Federal Savings Bank | $3,075,000 | $2,290,000 | -25.5% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $1,280,000 | $2,260,000 | 76.6% | 0.2% |
| GUARANTEED RATE, INC. | $3,045,000 | $2,210,000 | -27.4% | 0.2% |
| AMERICAN FINANCIAL NETWORK, INC. | $940,000 | $2,120,000 | 125.5% | 0.2% |
| Carrington Mortgage Services, LLC | $585,000 | $2,085,000 | 256.4% | 0.2% |
| A&D Mortgage LLC | $2,060,000 | n/a | 0.2% | |
| PNC Bank | $465,000 | $2,020,000 | 334.4% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,015,000 | $1,955,000 | -3.0% | 0.2% |
| The Loan Store, Inc. | $355,000 | $1,930,000 | 443.7% | 0.2% |
| Acre Mortgage and Financial Inc | $1,325,000 | $1,895,000 | 43.0% | 0.2% |
| BETTER MORTGAGE CORPORATION | $910,000 | $1,855,000 | 103.8% | 0.2% |
| CMG MORTGAGE, INC. | $2,705,000 | $1,850,000 | -31.6% | 0.2% |
| PLANET HOME LENDING, LLC | $415,000 | $1,850,000 | 345.8% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $490,000 | $1,795,000 | 266.3% | 0.2% |
| Waterstone Mortgage Corporation | $640,000 | $1,695,000 | 164.8% | 0.1% |
| Beeline Loans, Inc. | $425,000 | $1,675,000 | 294.1% | 0.1% |
| Bank of America | $3,040,000 | $1,660,000 | -45.4% | 0.1% |
| U.S. Bank | $935,000 | $1,540,000 | 64.7% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,785,000 | $1,490,000 | -16.5% | 0.1% |
| Cornerstone First Mortgage, Inc | $4,015,000 | $1,475,000 | -63.3% | 0.1% |
| Farm Credit of the Virginias, ACA | $1,085,000 | $1,410,000 | 30.0% | 0.1% |
| AmeriHome Mortgage Company, LLC | $965,000 | $1,400,000 | 45.1% | 0.1% |
| ENVOY MORTGAGE, LTD | $1,350,000 | n/a | 0.1% | |
| CAPITAL CENTER, L.L.C. | $1,600,000 | $1,325,000 | -17.2% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $1,230,000 | n/a | 0.1% | |
| Figure Lending LLC | $425,000 | $1,210,000 | 184.7% | 0.1% |
| PHH Mortgage Corporation | $435,000 | $1,165,000 | 167.8% | 0.1% |
| ABNB Federal Credit Union | $1,115,000 | n/a | 0.1% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $2,460,000 | $1,085,000 | -55.9% | 0.1% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,805,000 | $1,020,000 | -43.5% | 0.1% |
| Fulton Bank | $1,610,000 | $960,000 | -40.4% | 0.1% |
| ALLIANT CREDIT UNION | $1,260,000 | $950,000 | -24.6% | 0.1% |
| NETWORK CAPITAL FUNDING CORPORATION | $185,000 | $905,000 | 389.2% | 0.1% |
| NBKC BANK | $1,775,000 | $880,000 | -50.4% | 0.1% |
| Blue Ridge Bank | $2,130,000 | $865,000 | -59.4% | 0.1% |
| EVERENCE FEDERAL CREDIT UNION | $1,230,000 | $845,000 | -31.3% | 0.1% |
| First National Bank of Pennsylvania | $840,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $980,000 | $795,000 | -18.9% | 0.1% |
| Towne Mortgage, LLC | $795,000 | n/a | 0.1% | |
| Renasant Bank | $1,200,000 | $785,000 | -34.6% | 0.1% |
| OAKTREE FUNDING CORP. | $165,000 | $750,000 | 354.5% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,615,000 | $745,000 | -53.9% | 0.1% |
| GSF Mortgage Corporation | $630,000 | $730,000 | 15.9% | 0.1% |
| SUN WEST MORTGAGE COMPANY, INC. | $720,000 | n/a | 0.1% | |
| GUIDANCE RESIDENTIAL, LLC | $715,000 | n/a | 0.1% | |
| M&T Bank | $575,000 | $705,000 | 22.6% | 0.1% |
| ZILLOW HOME LOANS, LLC | $700,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,340,000 | $680,000 | -49.3% | 0.1% |
| Strong Home Mortgage, LLC | $475,000 | $670,000 | 41.1% | 0.1% |
| OCMBC, INC. | $665,000 | n/a | 0.1% | |
| LENDSURE MORTGAGE CORP. | $660,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $160,000 | $650,000 | 306.3% | 0.1% |
| Loan Simple, Inc. | $635,000 | n/a | 0.1% | |
| MUNICIPAL EMPLOYEES CREDIT UNION OF BALTIMORE, INCORPORATED | $625,000 | n/a | 0.1% | |
| Flagstar Bank, FSB | $1,765,000 | $590,000 | -66.6% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $425,000 | $590,000 | 38.8% | 0.0% |
| BAY-VALLEY MORTGAGE GROUP | $565,000 | n/a | 0.0% | |
| INTERCOASTAL MORTGAGE COMPANY | $740,000 | $550,000 | -25.7% | 0.0% |
| HomePromise Corporation | $545,000 | n/a | 0.0% | |
| Paramount Residential Mortgage Group, Inc. | $515,000 | n/a | 0.0% | |
| GMFS LLC | $505,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $505,000 | n/a | 0.0% | |
| NATIONAL BANKSHARES, INC. | $505,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $1,285,000 | $495,000 | -61.5% | 0.0% |
| Meridian Bank Corporation | $1,175,000 | $460,000 | -60.9% | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $615,000 | $455,000 | -26.0% | 0.0% |
| AMERICAN BANCSHARES MORTGAGE | $435,000 | n/a | 0.0% | |
| T2 FINANCIAL LLC | $185,000 | $425,000 | 129.7% | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $295,000 | $410,000 | 39.0% | 0.0% |
| LENDINGHOME FUNDING CORPORATION | $730,000 | $410,000 | -43.8% | 0.0% |
| GENISYS | $395,000 | n/a | 0.0% | |
| The Federal Savings Bank | $1,370,000 | $390,000 | -71.5% | 0.0% |
| SWBC MORTGAGE CORPORATION | $325,000 | $380,000 | 16.9% | 0.0% |
| City Lending Inc. | $410,000 | $355,000 | -13.4% | 0.0% |
| First Community Bank | $355,000 | n/a | 0.0% | |
| FIRST HOME MORTGAGE CORPORATION | $1,055,000 | $355,000 | -66.4% | 0.0% |
| PARTNERS 1ST Federal Credit Union | $405,000 | $350,000 | -13.6% | 0.0% |
| AFFINITY | $335,000 | n/a | 0.0% | |
| Discover Bank | $490,000 | $330,000 | -32.7% | 0.0% |
| MERCK EMPLOYEES FEDERAL CREDIT UNION | $125,000 | $320,000 | 156.0% | 0.0% |
| Ally Bank | $265,000 | $315,000 | 18.9% | 0.0% |
| STOCKTON MORTGAGE CORPORATION | $315,000 | n/a | 0.0% | |
| Victorian Finance, LLC | $315,000 | n/a | 0.0% | |
| Citizens Bank | $1,015,000 | $310,000 | -69.5% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $155,000 | $305,000 | 96.8% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $275,000 | $295,000 | 7.3% | 0.0% |
| Towne First Mortgage, LLC | $295,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $465,000 | $295,000 | -36.6% | 0.0% |
| Citadel Servicing Corporation | $155,000 | $280,000 | 80.6% | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | $280,000 | n/a | 0.0% | |
| STATE EMPLOYEES' | $1,200,000 | $275,000 | -77.1% | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $270,000 | n/a | 0.0% | |
| GEO-CORP, INC. | $265,000 | n/a | 0.0% | |
| JAMS-01, INC. | $265,000 | n/a | 0.0% | |
| Presidential Bank, FSB | $265,000 | n/a | 0.0% | |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $345,000 | $265,000 | -23.2% | 0.0% |
| Southern Bank and Trust Company | $185,000 | $265,000 | 43.2% | 0.0% |
| ROYAL UNITED MORTGAGE LLC | $260,000 | n/a | 0.0% | |
| Apple Federal Credit Union | $60,000 | $255,000 | 325.0% | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | $1,325,000 | $255,000 | -80.8% | 0.0% |
| UIF CORPORATION | $500,000 | $255,000 | -49.0% | 0.0% |
| Coastal Community Bank | $335,000 | $250,000 | -25.4% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $165,000 | $245,000 | 48.5% | 0.0% |
| Gateway First Bank | $235,000 | n/a | 0.0% | |
| MID AMERICA MORTGAGE, INC. | $555,000 | $230,000 | -58.6% | 0.0% |
| The Freedom Bank of Virginia | $155,000 | $225,000 | 45.2% | 0.0% |
| Citibank | $215,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $225,000 | $205,000 | -8.9% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $205,000 | n/a | 0.0% | |
| AMERICAN INTERNET MORTGAGE, INC. | $195,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $195,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $195,000 | n/a | 0.0% | |
| The Bank of Marion | $195,000 | n/a | 0.0% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $1,415,000 | $195,000 | -86.2% | 0.0% |
| TOWER | $835,000 | $190,000 | -77.2% | 0.0% |
| ALL REVERSE MORTGAGE, INC. | $175,000 | n/a | 0.0% | |
| Equity Prime Mortgage LLC | $530,000 | $175,000 | -67.0% | 0.0% |
| Select Bank | $760,000 | $175,000 | -77.0% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $115,000 | $170,000 | 47.8% | 0.0% |
| MILEND, INC. | $745,000 | $165,000 | -77.9% | 0.0% |
| Towne Bank | $445,000 | $165,000 | -62.9% | 0.0% |
| NEXERA HOLDING LLC | $325,000 | $155,000 | -52.3% | 0.0% |
| SUMMIT FUNDING, INC. | $155,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $210,000 | $150,000 | -28.6% | 0.0% |
| LOANPAL, LLC | $175,000 | $145,000 | -17.1% | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| LAKEVIEW LOAN SERVICING, LLC | $135,000 | n/a | 0.0% | |
| Toyota Financial Savings Bank | $185,000 | $125,000 | -32.4% | 0.0% |
| 21ST MORTGAGE CORPORATION | $180,000 | $105,000 | -41.7% | 0.0% |
| LANGLEY | $175,000 | $100,000 | -42.9% | 0.0% |
| Northwest Federal Credit Union | $675,000 | $55,000 | -91.9% | 0.0% |
| EASTMAN | $35,000 | n/a | 0.0% |
HARRISONBURG's top lender by overall market share is TEACHERS CREDIT UNION, with 42.1% market share. In second place, with 5.1%, is LENDINGONE, LLC, having originated $60,885,000 in loans. In third place, with 4.4%, is F & M BANK CORP., having originated $52,360,000 in loans. In fourth place, with 3.2%, is DUPONT COMMUNITY, having originated $37,755,000 in loans. In fifth place, with 2.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $34,080,000 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%) | $466,450 (7.7%) | 0.00 | 173 |
| 2024-04-01 | $381,195 (5.2%) | $478,939 (6.5%) | 0.00 | 187 |
| 2024-05-01 | $374,000 (5.4%) | $473,837 (6.2%) | 0.00 | 186 |
| 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 | $396,750 (2.1%) | $484,596 (3.3%) | 0.00 | 176 |
| 2024-09-01 | $394,750 (2.9%) | $485,111 (1.2%) | 0.00 | 177 |
| 2024-10-01 | $379,673 (-0.4%) | $474,086 (-1.5%) | 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 (17.1%) | 0.00 | 161 |
| 2025-04-01 | $410,200 (7.6%) | $546,093 (14.0%) | 0.00 | 176 |
| 2025-05-01 | $389,945 (4.3%) | $530,811 (12.0%) | 0.00 | 180 |
| 2025-06-01 | $394,900 (5.3%) | $516,188 (8.6%) | 0.00 | 219 |
| 2025-07-01 | $393,200 (-1.1%) | $499,247 (2.8%) | 0.00 | 239 |
| 2025-08-01 | $399,000 (0.6%) | $500,503 (3.3%) | 0.00 | 248 |
| 2025-09-01 | $396,475 (0.4%) | $509,742 (5.1%) | 0.00 | 228 |
| 2025-10-01 | $402,200 (5.9%) | $497,583 (5.0%) | 0.00 | 227 |
| 2025-11-01 | $412,000 (5.8%) | $489,296 (0.1%) | 0.00 | 229 |
| 2025-12-01 | $399,450 (1.2%) | $499,869 (-0.2%) | 0.00 | 211 |
| 2026-01-01 | $399,900 (1.1%) | $489,977 (-5.1%) | 0.00 | 184 |
| 2026-02-01 | $402,175 (0.2%) | $491,626 (-7.5%) | 0.00 | 168 |
| 2026-03-01 | $409,925 (-1.7%) | $486,867 (-10.8%) | 0.00 | 159 |
| 2026-04-01 | $421,225 (2.7%) | $500,464 (-8.4%) | 0.00 | 176 |
| 2026-05-01 | $449,500 (15.3%) | $518,404 (-2.3%) | 0.00 | 191 |
| 2026-06-01 | $469,950 (19.0%) | $545,539 (5.7%) | 0.00 | 197 |
| 2026-07-01 | $462,425 (17.6%) | $545,379 (9.2%) | 0.00 | 211 |
| 2026-08-01 | $429,900 (7.7%) | $532,725 (6.4%) | 0.00 | 220 |
| 2026-09-01 | $417,500 (5.3%) | $519,507 (1.9%) | 0.00 | 238 |
| 2026-10-01 | $414,950 (3.2%) | $515,996 (3.7%) | 0.00 | 245 |
HARRISONBURG's median listing price for 2026-10-01 was $414,950, a difference of
$12,750
(3.2%) versus the prior year and
$-2,550 versus the prior month.
HARRISONBURG's median listing price comes in at 0% of the national average.
HARRISONBURG's average listing price for 2026-10-01 was $515,996, a difference of $18,413 (3.7%) versus the prior year and $-3,511 versus the prior month.
For the 2026-10-01 period, HARRISONBURG had 245 MLS listings, a difference of 7 listings (3%) versus the prior month and 18 listings (8%) versus the prior year.
HARRISONBURG's median listing price comes in at 0% of the national average.
HARRISONBURG's average listing price for 2026-10-01 was $515,996, a difference of $18,413 (3.7%) versus the prior year and $-3,511 versus the prior month.
For the 2026-10-01 period, HARRISONBURG had 245 MLS listings, a difference of 7 listings (3%) versus the prior month and 18 listings (8%) 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 | 2,026 sqft |
| 2018-05-01 | 0 days | 1,998 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 | 2,081 sqft |
| 2020-10-01 | 0 days | 1,923 sqft |
| 2020-11-01 | 0 days | 1,859 sqft |
| 2020-12-01 | 0 days | 1,772 sqft |
| 2021-01-01 | 0 days | 1,798 sqft |
| 2021-02-01 | 0 days | 1,780 sqft |
| 2021-03-01 | 0 days | 1,770 sqft |
| 2021-04-01 | 0 days | 1,779 sqft |
| 2021-05-01 | 0 days | 1,836 sqft |
| 2021-06-01 | 0 days | 1,841 sqft |
| 2021-07-01 | 0 days | 1,841 sqft |
| 2021-08-01 | 0 days | 1,834 sqft |
| 2021-09-01 | 0 days | 1,816 sqft |
| 2021-10-01 | 0 days | 1,738 sqft |
| 2021-11-01 | 0 days | 1,836 sqft |
| 2021-12-01 | 0 days | 1,771 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 | 1,932 sqft |
| 2023-07-01 | 0 days | 1,940 sqft |
| 2023-08-01 | 0 days | 1,994 sqft |
| 2023-09-01 | 0 days | 1,947 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 | 1,831 sqft |
| 2024-04-01 | 0 days | 1,839 sqft |
| 2024-05-01 | 0 days | 1,792 sqft |
| 2024-06-01 | 0 days | 1,779 sqft |
| 2024-07-01 | 0 days | 1,888 sqft |
| 2024-08-01 | 0 days | 1,886 sqft |
| 2024-09-01 | 0 days | 1,919 sqft |
| 2024-10-01 | 0 days | 1,868 sqft |
| 2024-11-01 | 0 days | 1,944 sqft |
| 2024-12-01 | 0 days | 1,955 sqft |
| 2025-01-01 | 0 days | 1,941 sqft |
| 2025-02-01 | 0 days | 1,959 sqft |
| 2025-03-01 | 0 days | 1,955 sqft |
| 2025-04-01 | 0 days | 1,968 sqft |
| 2025-05-01 | 0 days | 1,939 sqft |
| 2025-06-01 | 0 days | 1,879 sqft |
| 2025-07-01 | 0 days | 1,886 sqft |
| 2025-08-01 | 0 days | 1,910 sqft |
| 2025-09-01 | 0 days | 1,944 sqft |
| 2025-10-01 | 0 days | 1,956 sqft |
| 2025-11-01 | 0 days | 2,050 sqft |
| 2025-12-01 | 0 days | 2,001 sqft |
| 2026-01-01 | 0 days | 2,000 sqft |
| 2026-02-01 | 0 days | 2,023 sqft |
| 2026-03-01 | 0 days | 1,974 sqft |
| 2026-04-01 | 0 days | 2,013 sqft |
| 2026-05-01 | 0 days | 2,046 sqft |
| 2026-06-01 | 0 days | 2,131 sqft |
| 2026-07-01 | 0 days | 2,104 sqft |
| 2026-08-01 | 0 days | 2,014 sqft |
| 2026-09-01 | 0 days | 2,005 sqft |
| 2026-10-01 | 0 days | 1,992 sqft |
HARRISONBURG's median listing age (time on market) for 2026-10-01 was 0 days.
HARRISONBURG's median square footage for active listings during the 2026-10-01 period was 1,992 sqft. One year prior, the average listing was 1,956 sqft.
HARRISONBURG's median square footage for active listings during the 2026-10-01 period was 1,992 sqft. One year prior, the average listing was 1,956 sqft.
HARRISONBURG, VA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,255 | $916,045,000 | $729,916 |
| Cash Out Refi | 346 | $60,550,000 | $175,000 |
| Refi | 343 | $101,065,000 | $294,650 |
| Other | 216 | $26,080,000 | $120,741 |
| Home Improvement | 203 | $81,685,000 | $402,389 |
| NA | 3 | $1,025,000 | $341,667 |
Harrisonburg's most frequently cited loan purpose was Home Purchase, with 1,255 originations. The 2nd most popular reason was Cash Out Refi, with 346 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,166 | $849,860,000 | $728,868 |
| 7-8% | 476 | $102,020,000 | $214,328 |
| 5-6% | 389 | $111,355,000 | $286,260 |
| Over 8% | 234 | $85,610,000 | $365,855 |
| 4-5% | 23 | $6,045,000 | $262,826 |
| 3-4% | 3 | $875,000 | $291,667 |
| <2.5% | 1 | $255,000 | $255,000 |
During 2025, Harrisonburg's most frequently originated rate bucket was 6-7%, with 1,166 originations.
Loan Sizing (HARRISONBURG, VA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 1,079 | $307,815,000 | $285,278 |
| $100k-200k | 465 | $67,125,000 | $144,355 |
| $100,000 or less | 453 | $23,705,000 | $52,329 |
| $400k-600k | 271 | $128,355,000 | $473,635 |
| $600k-1000k | 84 | $60,080,000 | $715,238 |
| $Over $1MM | 14 | $599,370,000 | $42,812,143 |
HARRISONBURG's loan sizing saw the bucket of loans from $200k-400k with 1,079 originations, totaling $307,815,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 829 | $281,185,000 | $339,186 |
| 60-80% | 485 | $153,975,000 | $317,474 |
| Under 20% | 336 | $16,720,000 | $49,762 |
| 20-40% | 328 | $41,480,000 | $126,463 |
| 40-60% | 254 | $78,370,000 | $308,543 |
| Over 100% | 22 | $569,790,000 | $25,899,545 |
HARRISONBURG's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 829 originations, totaling $281,185,000 in origination value.