Virginia FHA Loan Rates, Closing Costs & Stats

Virginia

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    • 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.

    Virginia FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Virginia averaged 6.42% for the week of 2025-03-14, compared to the national average (all FHA variants) of 6.345% for the same period.

    Virginia's average FHA mortgage closing costs are $8,923.

    The average rate for the prior week (2025-03-07) was 5.99% and one month ago for the week of 2025-02-07, the average rate was 6.3%.

    The average rate one year ago was 6.47%.

    For refis of the same type during the week of 2025-03-14, the average rate was 6.69%.

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

    Virginia 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 Virginia level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    QUICKEN LOANS, LLC 1,713 6.21% $12,043
    UNITED WHOLESALE MORTGAGE, LLC 1,201 6.29% $13,534
    MOVEMENT MORTGAGE, LLC 996 6.60% $11,674
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 850 6.76% $11,160
    NVR Mortgage Finance, Inc. 543 5.92% $15,209
    Alcova Mortgage LLC 524 7.01% $7,702
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 507 6.73% $12,071
    Atlantic Coast Mortgage, LLC 360 6.33% $13,820
    LOANDEPOT.COM, LLC 347 6.31% $12,831
    SOUTHERN TRUST MORTGAGE, LLC 328 6.58% $11,990
    TIDEWATER MORTGAGE SERVICES, INC. 266 6.70% $11,989
    C & F Mortgage Corporation 262 6.78% $11,346
    NFM, INC. 254 6.84% $13,737
    CARDINAL FINANCIAL 248 6.42% $13,431
    Prosperity Home Mortgage, LLC 247 6.48% $11,241
    PENNYMAC LOAN SERVICES, LLC 247 6.05% $13,784
    FREEDOM MORTGAGE CORPORATION 241 6.82% $14,374
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 238 6.59% $12,703
    First Heritage Mortgage, LLC 236 6.52% $15,938
    NEWREZ LLC 215 6.45% $12,766
    AMERICAN FINANCIAL NETWORK, INC. 203 6.93% $13,876
    Virginia Credit Union, Inc. 202 6.39% $8,255
    EMBRACE HOME LOANS, INC. 201 6.46% $13,546
    CMG MORTGAGE, INC. 198 6.33% $13,537
    BROKER SOLUTIONS, INC. 197 6.77% $12,551
    CROSSCOUNTRY MORTGAGE, LLC 188 6.85% $12,658
    George Mason Mortgage, LLC 183 6.37% $11,896
    Mr. Cooper ( Nationstar Mortgage ) 178 6.02% $17,415
    CBM Mortgage, Inc. 177 6.69% $11,335
    Integrity Home Mortgage Corp 158 6.70% $13,440
    Carrington Mortgage Services, LLC 128 6.35% $14,640
    AMERISAVE MORTGAGE CORPORATION 125 6.05% $15,113
    UNION HOME MORTGAGE CORP. 117 6.81% $11,869
    DHI MORTGAGE COMPANY, LTD. 114 5.32% $13,640
    Waterstone Mortgage Corporation 111 6.57% $10,315
    HOMESPIRE MORTGAGE CORPORATION 110 6.83% $11,044
    Truist 107 6.26% $10,095
    CALIBER HOME LOANS, INC. 106 6.01% $12,166
    INTERCOASTAL MORTGAGE COMPANY 103 6.33% $14,864
    MUTUAL OF OMAHA MORTGAGE, INC. 101 6.55% $15,846
    HOMESIDE FINANCIAL, LLC 96 6.71% $14,452
    Presidential Bank, FSB 95 6.70% $12,359
    CAPITAL CENTER, L.L.C. 94 6.49% $8,078
    Atlantic Union Bank 93 6.65% $9,485
    Plains Commerce Bank 91 6.26% $16,831
    Blue Ridge Bank 86 6.49% $9,288
    Towne Bank 85 6.50% $12,264
    SWBC MORTGAGE CORPORATION 80 6.68% $8,906
    The Federal Savings Bank 78 6.45% $13,708
    GUARANTEED RATE, INC. 77 6.27% $13,419
    Mortgage Research Center, LLC 76 6.74% $7,263
    MILEND, INC. 73 6.40% $16,157
    LAKEVIEW LOAN SERVICING, LLC 72 6.06% $12,685
    Ameris Bank 70 6.45% $12,277
    PLANET HOME LENDING, LLC 68 6.07% $13,713
    GUILD MORTGAGE COMPANY 66 6.78% $12,331
    PRIMELENDING, A PLAINSCAPITAL COMPANY 61 6.77% $13,970
    Century Mortgage Company DBA Century Lending Company 60 6.62% $17,058
    SUN WEST MORTGAGE COMPANY, INC. 60 6.47% $12,858
    Vellum Mortgage, Inc. 58 6.56% $16,407
    Tidewater Home Funding, LLC 56 6.20% $9,761
    RELIANCE FIRST CAPITAL, LLC 56 6.68% $13,959
    FIDELITY DIRECT MORTGAGE, LLC 55 6.92% $12,367
    AMERICAN FINANCIAL RESOURCES, INC. 55 6.06% $13,379
    LOANPAL, LLC 55 5.94% $13,665
    VILLAGE BANK MORTGAGE CORPORATION 55 6.77% $7,633
    NATION ONE MORTGAGE CORPORATION 52 6.66% $10,752
    Paramount Residential Mortgage Group, Inc. 50 6.66% $14,365
    Renasant Bank 49 6.66% $10,474
    Wells Fargo Bank 47 6.53% $8,611
    Nations Lending Corporation 46 6.52% $11,452
    PENTAGON FEDERAL CREDIT UNION 46 5.69% $11,885
    FREEDOM FIRST 46 6.47% $7,551
    EMM LOANS LLC 44 6.44% $10,388
    FIRST SAVINGS MORTGAGE CORPORATION 44 6.64% $17,542
    TOWNE MORTGAGE COMPANY 44 6.59% $12,847
    Equity Prime Mortgage LLC 43 6.84% $13,098
    GENEVA FINANCIAL, LLC 41 6.87% $15,779
    Towne First Mortgage, LLC 39 6.73% $11,581
    BAY EQUITY LLC 39 6.38% $15,578
    Sierra Pacific Mortgage Company, Inc. 38 6.54% $14,186
    OCMBC, INC. 38 7.17% $14,140
    Towne Mortgage, LLC 38 6.73% $12,151
    Citizens Bank 38 6.43% $10,560
    GSF Mortgage Corporation 38 6.35% $13,798
    JET HOMELOANS, LLC 37 5.94% $15,370
    Flagstar Bank, FSB 37 6.33% $13,218
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 35 6.77% $10,539
    NATIONS DIRECT MORTGAGE, LLC 34 6.60% $15,686
    The Freedom Bank of Virginia 33 6.14% $13,078
    C&F Select LLC 33 6.82% $9,861
    Lakeview Community Capital, LLC 33 6.07% $11,766
    VILLAGE CAPITAL MORTGAGE 32 6.51% $14,827
    Advance Financial Group, LLC 32 6.68% $12,397
    THRIVE MORTGAGE, LLC 31 6.96% $11,235
    ZILLOW HOME LOANS, LLC 30 6.48% $10,130
    MID AMERICA MORTGAGE, INC. 30 7.12% $10,255
    PLAZA HOME MORTGAGE, INC. 28 6.42% $14,784
    EAGLE HOME MORTGAGE, LLC 28 6.00% $17,690
    HOMEBRIDGE FINANCIAL SERVICES, INC. 27 6.25% $12,058
    ARC HOME LLC 26 6.90% $19,222
    HOMEAMERICAN MORTGAGE CORPORATION 26 5.64% $11,500
    JAMS-01, INC. 26 6.20% $16,136
    FIRST HOME MORTGAGE CORPORATION 25 6.67% $15,801
    Sandy Spring Bank 25 6.58% $11,779
    M&T Bank 24 6.44% $11,669
    Keystone Funding, Inc. 24 6.31% $16,462
    TOP FLITE FINANCIAL, INC. 24 7.06% $17,074
    Ixonia Bank 23 6.58% $12,214
    AMERICAN FINANCING CORPORATION 22 6.05% $13,920
    DRAPER AND KRAMER MORTGAGE CORP. 22 6.44% $16,291
    Fulton Bank 22 6.38% $10,509
    ROSS MORTGAGE CORPORATION 21 6.82% $13,573
    Loan Simple, Inc. 21 7.00% $14,039
    VANDERBILT MORTGAGE AND FINANCE, INC. 20 6.29% $13,843
    GUARANTEED RATE AFFINITY, LLC 20 6.32% $17,539
    F & M BANK CORP. 20 6.85% $9,879
    JOHNSON MORTGAGE COMPANY, L.L.C. 20 5.78% $15,845
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 19 6.63% $24,156
    FIRST COMMUNITY MORTGAGE, INC. 19 6.90% $9,796
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 18 6.33% $12,100
    First Federal Bank 18 6.15% $13,498
    AMERICAN PACIFIC MORTGAGE CORPORATION 17 6.57% $15,437
    MLD MORTGAGE INC. 16 6.51% $11,942
    T2 FINANCIAL LLC 16 7.02% $14,983
    MORIA DEVELOPMENT, INC. 16 6.92% $11,346
    BECKAM FUNDING CORP. 15 7.26% $18,907
    Member Options, LLC 15 6.58% $10,704
    Bank of England 15 6.33% $8,467
    MORTGAGE ACCESS CORP. 14 6.62% $14,870
    MICHIGAN MUTUAL, INC. 14 5.56% $13,903
    ALLIED MORTGAGE GROUP, INC. 14 6.00% $13,781
    MASON MCDUFFIE MORTGAGE CORPORATION 14 6.58% $10,155
    AmeriHome Mortgage Company, LLC 13 6.50% $11,740
    NATIONWIDE MORTGAGE BANKERS, INC. 13 6.85% $16,080
    Evolve Bank & Trust 13 6.72% $11,709
    MORTGAGE SOLUTIONS OF COLORADO, LLC 13 6.84% $18,252
    GEO-CORP, INC. 13 7.17% $14,412
    CITY FIRST MORTGAGE SERVICES, L.L.C. 13 7.24% $12,248
    LEGEND LENDING CORPORATION 12 6.36% $19,281
    ISERVE RESIDENTIAL LENDING, LLC 12 6.59% $11,417
    PNC Bank 12 6.74% $11,764
    American Mortgage & Equity Consultants, Inc. 11 6.81% $12,796
    SeaTrust Mortgage Company 11 6.75% $11,059
    GVC MORTGAGE, INC. 11 6.89% $11,414
    ENVOY MORTGAGE, LTD 11 6.33% $15,818
    DAS Acquisition Company, LLC 11 6.68% $18,792
    CityWorth Mortgage LLC 11 6.49% $20,229
    U.S. Bank 10 6.04% $14,952
    PHH Mortgage Corporation 10 6.48% $11,526
    Cornerstone First Mortgage, Inc 10 6.73% $15,292
    PANORAMA MORTGAGE GROUP, LLC 10 6.65% $17,323
    CHURCHILL MORTGAGE CORPORATION 10 6.40% $13,060
    DRAGAS MORTGAGE COMPANY 9 6.15% $9,524
    EVERETT FINANCIAL, INC. 9 6.97% $13,145
    Bank of America 9 6.69% $8,680
    Barrington Bank & Trust Company, N.A. 9 6.51% $9,455
    MYCUMORTGAGE, LLC 9 7.00% $8,238
    MID-ISLAND MORTGAGE CORP. 9 6.55% $16,906
    US MORTGAGE CORPORATION 9 6.17% $16,953
    SUMMIT FUNDING, INC. 8 6.70% $18,548
    American National Bank and Trust Company 8 6.83% $7,818
    PRIMARY RESIDENTIAL MORTGAGE, INC. 8 6.86% $15,164
    NBKC BANK 8 5.86% $10,272
    Strong Home Mortgage, LLC 8 6.00% $11,808
    LOANLEADERS OF AMERICA, INC. 8 6.17% $17,261
    ROYAL UNITED MORTGAGE LLC 8 6.69% $10,330
    SOUTHPOINT FINANCIAL SERVICES, INC. 7 6.21% $14,540
    RANLIFE, INC. 7 6.32% $11,278
    Summit Mortgage Corporation 7 6.34% $13,921
    First Option Mortgage, LLC 7 7.11% $18,213
    SECURITYNATIONAL MORTGAGE COMPANY 7 6.64% $13,395
    JPMorgan Chase Bank 7 6.02% $11,652
    CORNERSTONE HOME LENDING, INC. 7 6.54% $9,884
    LIBERTY HOME MORTGAGE CORPORATION 7 7.11% $19,058
    CONTOUR MORTGAGE CORPORATION 7 6.61% $13,282
    MIDLAND MORTGAGE CORPORATION 7 6.50% $10,392
    TOTAL MORTGAGE SERVICES, LLC 7 6.84% $9,825
    NETWORK CAPITAL FUNDING CORPORATION 7 6.36% $17,436
    AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 7 6.96% $13,147
    Northpointe Bank 7 5.98% $12,444
    BAYSHORE MORTGAGE FUNDING, LLC 7 6.88% $15,984
    PULTE MORTGAGE LLC 7 6.50% $11,785
    THE MORTGAGE LINK, INC. 6 6.60% $16,340
    ALAMEDA MORTGAGE CORPORATION 6 7.13% $8,720
    RUOFF MORTGAGE COMPANY, INC. 6 6.02% $8,654
    First-Citizens Bank & Trust Company 6 6.31% $7,327
    FIRST ALLIANCE HOME MORTGAGE, LLC 5 6.80% $13,769
    Acre Mortgage and Financial Inc 5 7.25% $23,852
    WesBanco 5 6.00% $11,410
    NewTowne Mortgage, LLC 5 6.03% $11,842
    MCLEAN MORTGAGE CORPORATION 5 6.20% $11,213
    LEADERONE FINANCIAL CORPORATION 5 6.50% $12,414
    ACADEMY MORTGAGE CORPORATION 5 6.65% $20,316
    Shamrock Home Loans, Inc. 4 6.22% $9,879
    LAND HOME FINANCIAL SERVICES, INC. 4 7.13% $24,826
    JMAC LENDING, INC. 4 6.34% $19,952
    TJC Mortgage, Inc. 4 6.34% $13,059
    Residential Mortgage Solutions, Inc. 4 6.22% $15,937
    BNC National Bank 4 5.34% $16,883
    DIRECT MORTGAGE LOANS, LLC 4 7.03% $22,616
    GoPrime Mortgage, Inc. 4 6.56% $6,406
    Pinnacle Bank 4 6.16% $7,324
    SOUTHWEST STAGE FUNDING, LLC 4 6.78% $9,076
    The Central Trust Bank 4 5.88% $15,274
    STOCKTON MORTGAGE CORPORATION 4 6.31% $14,890
    Meridian Bank Corporation 4 6.63% $10,700
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 4 6.97% $11,384
    AMCAP MORTGAGE, LTD. 4 6.25% $19,504
    BETTER MORTGAGE CORPORATION 3 5.88% $18,373
    Chickasaw Community Bank 3 6.88% $13,205
    OPEN MORTGAGE, LLC 3 6.75% $16,793
    TD Bank 3 6.58% $8,978
    EagleBank 3 6.08% $10,225
    Fifth Third Bank 3 6.38% $11,152
    Assurance Financial Group, L.L.C. 3 7.21% $12,841
    Encompass Lending Group, LP 3 6.79% $15,559
    PREMIA MORTGAGE, LLC 3 6.29% $9,763
    VAN DYK MORTGAGE CORPORATION 3 7.04% $15,124
    DATA MORTGAGE, INC. 3 6.75% $10,025
    NEW DAY FINANCIAL, LLC 3 7.58% $13,592
    FIRST COLONY MORTGAGE CORPORATION 3 6.79% $17,914
    INTERLINC MORTGAGE SERVICES, LLC 3 6.46% $10,518
    UNIVERSAL MORTGAGE & FINANCE, INC. 3 6.63% $21,547
    Magnolia Bank 3 6.58% $17,930
    CALCON MUTUAL MORTGAGE LLC 3 7.46% $14,229
    North American Savings Bank, F.S.B. 3 5.92% $10,939
    Princeton Mortgage Corporation 3 5.92% $9,690
    NORWICH COMMERCIAL GROUP, INC. 3 6.42% $10,297
    LANGLEY 3 6.54% $7,742
    FIRST EQUITY MORTGAGE INCORPORATED 3 6.12% $23,495
    Capital Bank 2 6.81% $13,582
    First Horizon Bank 2 6.75% $7,448
    First National Bank of Pennsylvania 2 6.44% $12,975
    Gateway First Bank 2 6.75% $5,711
    Dollar Bank, Federal Savings Bank 2 6.75% $6,979
    DELMAR FINANCIAL COMPANY 2 7.06% $12,769
    Hometown Equity Mortgage, LLC 2 7.06% $16,774
    INTELLILOAN, INC. 2 6.38% $8,113
    CRESCENT MORTGAGE COMPANY 2 6.19% $7,759
    MEMBER ADVANTAGE MORTGAGE, LLC 2 7.00% $9,336
    Mid-Continent Funding, Inc. 2 6.31% $16,752
    MLB RESIDENTIAL LENDING, LLC 2 6.19% $15,365
    CLIFFCO, INC. 2 7.12% $12,821
    MY MORTGAGE, INC. 2 6.88% $12,115
    Capital City Home Loans, LLC 2 6.69% $10,181
    NATIONS RELIABLE LENDING, LLC 2 7.00% $14,806
    Neighborhood Loans, Inc. 2 7.56% $16,231
    Bethpage Federal Credit Union 2 6.81% $2,986
    RESIDENTIAL HOME FUNDING CORP. 2 6.13% $21,985
    SUCCESS MORTGAGE PARTNERS, INC. 2 6.81% $10,931
    AmRes Corporation 2 6.69% $10,527
    TBI MORTGAGE COMPANY 2 6.13% $41,918
    The Fidelity Bank 2 6.38% $7,691
    1ST SIGNATURE LENDING, LLC 2 5.94% $18,106
    THE MORTGAGE FIRM, INC. 2 6.25% $11,662
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 2 6.94% $12,244
    Victorian Finance, LLC 2 6.63% $7,974
    ASSOCIATED MORTGAGE BANKERS, INC. 1 6.25% $15,902
    Watermark Capital, Inc. 1 7.00% $24,505
    Axos Bank 1 6.50% $13,389
    Bank of Tennessee 1 6.63% $6,407
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 7.13% $4,475
    POLARIS HOME FUNDING CORP. 1 6.25% $19,586
    PLUS RELOCATION MORTGAGE, LLC 1 6.75% $9,976
    American Security Mortgage Corp. 1 6.63% $9,636
    EVANSVILLE TEACHERS 1 6.63% $6,106
    First Bank 1 7.13% $11,722
    The Huntington National Bank 1 5.75% $12,881
    Willamette Valley Bank 1 6.63% $13,178
    BANKSOUTH MORTGAGE COMPANY, LLC 1 5.25% $7,354
    ON Q FINANCIAL, INC. 1 7.38% $14,310
    OCEANSIDE MORTGAGE COMPANY 1 7.50% $4,685
    NexBank 1 6.25% $14,214
    NEW WAVE LENDING GROUP INC 1 7.25% $38,182
    FBC MORTGAGE, LLC 1 5.99% $29,372
    NASA Federal Credit Union 1 5.75% $28,712
    Citibank 1 6.38% $8,503
    MK LENDING CORP. 1 6.25% $21,089
    American Mortgage Bank, LLC 1 7.63% $8,593
    Colonial Savings, F.A. 1 6.88% $25,127
    Towne Mortgage of the Carolinas, LLC 1 6.75% $9,152
    MDE Home Loans, LLC 1 5.50% $29,222
    Truliant Federal Credit Union 1 6.13% $4,655
    MANN FINANCIAL INC. 1 5.63% $16,867
    United Bank 1 5.13% $11,509
    United Fidelity Funding Corp. 1 7.75% $16,003
    Wyndham Capital Mortgage, Inc. 1 6.25% $13,252
    Legends Bank 1 6.63% $10,945
    Credence Funding Corporation 1 6.38% $11,795
    JET DIRECT FUNDING CORP 1 7.13% $11,345
    GUARANTY HOME MORTGAGE CORPORATION 1 6.63% $11,496
    EQUITY RESOURCES, INC. 1 5.75% $22,825
    First Savings Bank 1 6.25% $14,554
    Advisors Mortgage Group, L.L.C. 1 7.63% $17,341
    Fidelity Bank 1 7.00% $15,033
    FIRST MORTGAGE COMPANY, INC. 1 6.63% $13,433
    First International Bank & Trust 1 6.25% $12,075
    SIRVA MORTGAGE, INC. 1 6.13% $7,992
    Arvest Bank 1 6.50% $7,317
    STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 1 6.25% $5,107
    Shore United Bank 1 6.13% $15,617
    Stride Bank 1 7.13% $12,072
    Shea Mortgage Inc. 1 6.13% $8,295
    A&D Mortgage LLC 1 6.88% $11,027
    RESIDENTIAL BANCORP 1 5.25% $8,474

    The top Virginia FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 1,713 FHA loans originated. Their average total fees are $12,043, which is $1,491 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Virginia FHA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($7,263), FREEDOM FIRST ($7,551), VILLAGE BANK MORTGAGE CORPORATION ($7,633), Alcova Mortgage LLC ($7,702) and CAPITAL CENTER, L.L.C. ($8,078).

    The lowest rate Virginia FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.32%), MICHIGAN MUTUAL, INC. (5.56%), HOMEAMERICAN MORTGAGE CORPORATION (5.64%), PENTAGON FEDERAL CREDIT UNION (5.69%) and JOHNSON MORTGAGE COMPANY, L.L.C. (5.78%).

    Virginia FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    NON-METRO ACCOMACK 2022 $420,680 $538,650 $651,050 $809,150
    CHARLOTTESVILLE, VA ALBEMARLE 2022 $460,000 $588,850 $711,800 $884,600
    NON-METRO ALLEGHANY 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA AMELIA 2009 $535,900 $686,050 $829,250 $1,030,600
    LYNCHBURG, VA AMHERST 2022 $420,680 $538,650 $651,050 $809,150
    LYNCHBURG, VA APPOMATTOX 2022 $420,680 $538,650 $651,050 $809,150
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV ARLINGTON 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    STAUNTON, VA AUGUSTA 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BATH 2022 $420,680 $538,650 $651,050 $809,150
    LYNCHBURG, VA BEDFORD 2022 $420,680 $538,650 $651,050 $809,150
    BLUEFIELD, WV-VA BLAND 2022 $420,680 $538,650 $651,050 $809,150
    ROANOKE, VA BOTETOURT 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BRUNSWICK 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BUCHANAN 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BUCKINGHAM 2022 $420,680 $538,650 $651,050 $809,150
    LYNCHBURG, VA CAMPBELL 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO CAROLINE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO CARROLL 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA CHARLES CITY 2009 $535,900 $686,050 $829,250 $1,030,600
    NON-METRO CHARLOTTE 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA CHESTERFIELD 2009 $535,900 $686,050 $829,250 $1,030,600
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CLARKE 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    ROANOKE, VA CRAIG 2022 $420,680 $538,650 $651,050 $809,150
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CULPEPER 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    NON-METRO CUMBERLAND 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO DICKENSON 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA DINWIDDIE 2009 $535,900 $686,050 $829,250 $1,030,600
    NON-METRO ESSEX 2022 $420,680 $538,650 $651,050 $809,150
    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
    NON-METRO FLOYD 2022 $420,680 $538,650 $651,050 $809,150
    CHARLOTTESVILLE, VA FLUVANNA 2022 $460,000 $588,850 $711,800 $884,600
    ROANOKE, VA FRANKLIN 2022 $420,680 $538,650 $651,050 $809,150
    WINCHESTER, VA-WV FREDERICK 2022 $420,680 $538,650 $651,050 $809,150
    BLACKSBURG-CHRISTIANSBURG, VA GILES 2022 $420,680 $538,650 $651,050 $809,150
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC GLOUCESTER 2022 $488,750 $625,700 $756,300 $939,900
    RICHMOND, VA GOOCHLAND 2009 $535,900 $686,050 $829,250 $1,030,600
    NON-METRO GRAYSON 2022 $420,680 $538,650 $651,050 $809,150
    CHARLOTTESVILLE, VA GREENE 2022 $460,000 $588,850 $711,800 $884,600
    NON-METRO GREENSVILLE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO HALIFAX 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA HANOVER 2009 $535,900 $686,050 $829,250 $1,030,600
    RICHMOND, VA HENRICO 2009 $535,900 $686,050 $829,250 $1,030,600
    MARTINSVILLE, VA HENRY 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO HIGHLAND 2022 $420,680 $538,650 $651,050 $809,150
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC ISLE OF WIGHT 2022 $488,750 $625,700 $756,300 $939,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC JAMES CITY 2022 $488,750 $625,700 $756,300 $939,900
    RICHMOND, VA KING AND QUEEN 2020 $535,900 $686,050 $829,250 $1,030,600
    NON-METRO KING GEORGE 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA KING WILLIAM 2009 $535,900 $686,050 $829,250 $1,030,600
    NON-METRO LANCASTER 2014 $442,750 $566,800 $685,100 $851,450
    NON-METRO LEE 2022 $420,680 $538,650 $651,050 $809,150
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV LOUDOUN 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    NON-METRO LOUISA 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO LUNENBURG 2022 $420,680 $538,650 $651,050 $809,150
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV MADISON 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC MATHEWS 2022 $488,750 $625,700 $756,300 $939,900
    NON-METRO MECKLENBURG 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO MIDDLESEX 2022 $420,680 $538,650 $651,050 $809,150
    BLACKSBURG-CHRISTIANSBURG, VA MONTGOMERY 2022 $420,680 $538,650 $651,050 $809,150
    CHARLOTTESVILLE, VA NELSON 2022 $460,000 $588,850 $711,800 $884,600
    RICHMOND, VA NEW KENT 2009 $535,900 $686,050 $829,250 $1,030,600
    NON-METRO NORTHAMPTON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO NORTHUMBERLAND 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO NOTTOWAY 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO ORANGE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO PAGE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO PATRICK 2022 $420,680 $538,650 $651,050 $809,150
    DANVILLE, VA PITTSYLVANIA 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA POWHATAN 2009 $535,900 $686,050 $829,250 $1,030,600
    NON-METRO PRINCE EDWARD 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA PRINCE GEORGE 2009 $535,900 $686,050 $829,250 $1,030,600
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV PRINCE WILLIAM 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    BLACKSBURG-CHRISTIANSBURG, VA PULASKI 2022 $420,680 $538,650 $651,050 $809,150
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV RAPPAHANNOCK 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    NON-METRO RICHMOND 2022 $420,680 $538,650 $651,050 $809,150
    ROANOKE, VA ROANOKE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO ROCKBRIDGE 2022 $420,680 $538,650 $651,050 $809,150
    HARRISONBURG, VA ROCKINGHAM 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO RUSSELL 2022 $420,680 $538,650 $651,050 $809,150
    KINGSPORT-BRISTOL, TN-VA SCOTT 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO SHENANDOAH 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO SMYTH 2022 $420,680 $538,650 $651,050 $809,150
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC SOUTHAMPTON 2022 $488,750 $625,700 $756,300 $939,900
    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
    NON-METRO SURRY 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA SUSSEX 2009 $535,900 $686,050 $829,250 $1,030,600
    BLUEFIELD, WV-VA TAZEWELL 2022 $420,680 $538,650 $651,050 $809,150
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV WARREN 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    KINGSPORT-BRISTOL, TN-VA WASHINGTON 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WESTMORELAND 2022 $420,680 $538,650 $651,050 $809,150
    BIG STONE GAP, VA WISE 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO WYTHE 2022 $420,680 $538,650 $651,050 $809,150
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC YORK 2022 $488,750 $625,700 $756,300 $939,900
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV ALEXANDRIA CITY 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    KINGSPORT-BRISTOL, TN-VA BRISTOL CITY 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO BUENA VISTA CIT 2022 $420,680 $538,650 $651,050 $809,150
    CHARLOTTESVILLE, VA CHARLOTTESVILLE 2022 $460,000 $588,850 $711,800 $884,600
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC CHESAPEAKE CITY 2022 $488,750 $625,700 $756,300 $939,900
    RICHMOND, VA COLONIAL HEIGHT 2009 $535,900 $686,050 $829,250 $1,030,600
    NON-METRO COVINGTON CITY 2022 $420,680 $538,650 $651,050 $809,150
    DANVILLE, VA DANVILLE CITY 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO EMPORIA CITY 2022 $420,680 $538,650 $651,050 $809,150
    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
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC FRANKLIN CITY 2022 $488,750 $625,700 $756,300 $939,900
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FREDERICKSBURG 2022 $970,800 $1,243,050 $1,502,475 $1,867,275
    NON-METRO GALAX CITY 2022 $420,680 $538,650 $651,050 $809,150
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC HAMPTON CITY 2022 $488,750 $625,700 $756,300 $939,900
    HARRISONBURG, VA HARRISONBURG CI 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA HOPEWELL CITY 2009 $535,900 $686,050 $829,250 $1,030,600
    NON-METRO LEXINGTON CITY 2022 $420,680 $538,650 $651,050 $809,150
    LYNCHBURG, VA LYNCHBURG CITY 2022 $420,680 $538,650 $651,050 $809,150
    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
    MARTINSVILLE, VA MARTINSVILLE CI 2022 $420,680 $538,650 $651,050 $809,150
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC NEWPORT NEWS CI 2022 $488,750 $625,700 $756,300 $939,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC NORFOLK CITY 2022 $488,750 $625,700 $756,300 $939,900
    BIG STONE GAP, VA NORTON CITY 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA PETERSBURG CITY 2009 $535,900 $686,050 $829,250 $1,030,600
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC POQUOSON CITY 2022 $488,750 $625,700 $756,300 $939,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC PORTSMOUTH CITY 2022 $488,750 $625,700 $756,300 $939,900
    BLACKSBURG-CHRISTIANSBURG, VA RADFORD CITY 2022 $420,680 $538,650 $651,050 $809,150
    RICHMOND, VA RICHMOND CITY 2009 $535,900 $686,050 $829,250 $1,030,600
    ROANOKE, VA ROANOKE CITY 2022 $420,680 $538,650 $651,050 $809,150
    ROANOKE, VA SALEM CITY 2022 $420,680 $538,650 $651,050 $809,150
    STAUNTON, VA STAUNTON CITY 2022 $420,680 $538,650 $651,050 $809,150
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC SUFFOLK CITY 2022 $488,750 $625,700 $756,300 $939,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC VIRGINIA BEACH 2022 $488,750 $625,700 $756,300 $939,900
    STAUNTON, VA WAYNESBORO CITY 2022 $420,680 $538,650 $651,050 $809,150
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC WILLIAMSBURG CI 2022 $488,750 $625,700 $756,300 $939,900
    WINCHESTER, VA-WV WINCHESTER CITY 2022 $420,680 $538,650 $651,050 $809,150
    NON-METRO ACCOMACK 2023 $472,030 $604,400 $730,525 $907,900
    CHARLOTTESVILLE, VA ALBEMARLE 2023 $507,150 $649,250 $784,800 $975,300
    NON-METRO ALLEGHANY 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA AMELIA 2023 $546,250 $699,300 $845,300 $1,050,500
    LYNCHBURG, VA AMHERST 2023 $472,030 $604,400 $730,525 $907,900
    LYNCHBURG, VA APPOMATTOX 2023 $472,030 $604,400 $730,525 $907,900
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV ARLINGTON 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    STAUNTON, VA AUGUSTA 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BATH 2023 $472,030 $604,400 $730,525 $907,900
    LYNCHBURG, VA BEDFORD 2023 $472,030 $604,400 $730,525 $907,900
    BLUEFIELD, WV-VA BLAND 2023 $472,030 $604,400 $730,525 $907,900
    ROANOKE, VA BOTETOURT 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BRUNSWICK 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BUCHANAN 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BUCKINGHAM 2023 $472,030 $604,400 $730,525 $907,900
    LYNCHBURG, VA CAMPBELL 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CAROLINE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO CARROLL 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA CHARLES CITY 2023 $546,250 $699,300 $845,300 $1,050,500
    NON-METRO CHARLOTTE 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA CHESTERFIELD 2023 $546,250 $699,300 $845,300 $1,050,500
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CLARKE 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    ROANOKE, VA CRAIG 2023 $472,030 $604,400 $730,525 $907,900
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV CULPEPER 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    NON-METRO CUMBERLAND 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO DICKENSON 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA DINWIDDIE 2023 $546,250 $699,300 $845,300 $1,050,500
    NON-METRO ESSEX 2023 $472,030 $604,400 $730,525 $907,900
    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
    NON-METRO FLOYD 2023 $472,030 $604,400 $730,525 $907,900
    CHARLOTTESVILLE, VA FLUVANNA 2023 $507,150 $649,250 $784,800 $975,300
    ROANOKE, VA FRANKLIN 2023 $472,030 $604,400 $730,525 $907,900
    WINCHESTER, VA-WV FREDERICK 2023 $472,030 $604,400 $730,525 $907,900
    BLACKSBURG-CHRISTIANSBURG, VA GILES 2023 $472,030 $604,400 $730,525 $907,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC GLOUCESTER 2023 $507,150 $649,250 $784,800 $975,300
    RICHMOND, VA GOOCHLAND 2023 $546,250 $699,300 $845,300 $1,050,500
    NON-METRO GRAYSON 2023 $472,030 $604,400 $730,525 $907,900
    CHARLOTTESVILLE, VA GREENE 2023 $507,150 $649,250 $784,800 $975,300
    NON-METRO GREENSVILLE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HALIFAX 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA HANOVER 2023 $546,250 $699,300 $845,300 $1,050,500
    RICHMOND, VA HENRICO 2023 $546,250 $699,300 $845,300 $1,050,500
    MARTINSVILLE, VA HENRY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO HIGHLAND 2023 $472,030 $604,400 $730,525 $907,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC ISLE OF WIGHT 2023 $507,150 $649,250 $784,800 $975,300
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC JAMES CITY 2023 $507,150 $649,250 $784,800 $975,300
    RICHMOND, VA KING AND QUEEN 2023 $546,250 $699,300 $845,300 $1,050,500
    NON-METRO KING GEORGE 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA KING WILLIAM 2023 $546,250 $699,300 $845,300 $1,050,500
    NON-METRO LANCASTER 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LEE 2023 $472,030 $604,400 $730,525 $907,900
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV LOUDOUN 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    NON-METRO LOUISA 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO LUNENBURG 2023 $472,030 $604,400 $730,525 $907,900
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV MADISON 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC MATHEWS 2023 $507,150 $649,250 $784,800 $975,300
    NON-METRO MECKLENBURG 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO MIDDLESEX 2023 $472,030 $604,400 $730,525 $907,900
    BLACKSBURG-CHRISTIANSBURG, VA MONTGOMERY 2023 $472,030 $604,400 $730,525 $907,900
    CHARLOTTESVILLE, VA NELSON 2023 $507,150 $649,250 $784,800 $975,300
    RICHMOND, VA NEW KENT 2023 $546,250 $699,300 $845,300 $1,050,500
    NON-METRO NORTHAMPTON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO NORTHUMBERLAND 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO NOTTOWAY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO ORANGE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO PAGE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO PATRICK 2023 $472,030 $604,400 $730,525 $907,900
    DANVILLE, VA PITTSYLVANIA 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA POWHATAN 2023 $546,250 $699,300 $845,300 $1,050,500
    NON-METRO PRINCE EDWARD 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA PRINCE GEORGE 2023 $546,250 $699,300 $845,300 $1,050,500
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV PRINCE WILLIAM 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    BLACKSBURG-CHRISTIANSBURG, VA PULASKI 2023 $472,030 $604,400 $730,525 $907,900
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV RAPPAHANNOCK 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    NON-METRO RICHMOND 2023 $472,030 $604,400 $730,525 $907,900
    ROANOKE, VA ROANOKE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO ROCKBRIDGE 2023 $472,030 $604,400 $730,525 $907,900
    HARRISONBURG, VA ROCKINGHAM 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO RUSSELL 2023 $472,030 $604,400 $730,525 $907,900
    KINGSPORT-BRISTOL, TN-VA SCOTT 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SHENANDOAH 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO SMYTH 2023 $472,030 $604,400 $730,525 $907,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC SOUTHAMPTON 2023 $507,150 $649,250 $784,800 $975,300
    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
    NON-METRO SURRY 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA SUSSEX 2023 $546,250 $699,300 $845,300 $1,050,500
    BLUEFIELD, WV-VA TAZEWELL 2023 $472,030 $604,400 $730,525 $907,900
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV WARREN 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    KINGSPORT-BRISTOL, TN-VA WASHINGTON 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WESTMORELAND 2023 $472,030 $604,400 $730,525 $907,900
    BIG STONE GAP, VA WISE 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO WYTHE 2023 $472,030 $604,400 $730,525 $907,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC YORK 2023 $507,150 $649,250 $784,800 $975,300
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV ALEXANDRIA CITY 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    KINGSPORT-BRISTOL, TN-VA BRISTOL CITY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO BUENA VISTA CIT 2023 $472,030 $604,400 $730,525 $907,900
    CHARLOTTESVILLE, VA CHARLOTTESVILLE 2023 $507,150 $649,250 $784,800 $975,300
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC CHESAPEAKE CITY 2023 $507,150 $649,250 $784,800 $975,300
    RICHMOND, VA COLONIAL HEIGHT 2023 $546,250 $699,300 $845,300 $1,050,500
    NON-METRO COVINGTON CITY 2023 $472,030 $604,400 $730,525 $907,900
    DANVILLE, VA DANVILLE CITY 2023 $472,030 $604,400 $730,525 $907,900
    NON-METRO EMPORIA CITY 2023 $472,030 $604,400 $730,525 $907,900
    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
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC FRANKLIN CITY 2023 $507,150 $649,250 $784,800 $975,300
    WASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV FREDERICKSBURG 2023 $1,089,300 $1,394,775 $1,685,850 $2,095,200
    NON-METRO GALAX CITY 2023 $472,030 $604,400 $730,525 $907,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC HAMPTON CITY 2023 $507,150 $649,250 $784,800 $975,300
    HARRISONBURG, VA HARRISONBURG CI 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA HOPEWELL CITY 2023 $546,250 $699,300 $845,300 $1,050,500
    NON-METRO LEXINGTON CITY 2023 $472,030 $604,400 $730,525 $907,900
    LYNCHBURG, VA LYNCHBURG CITY 2023 $472,030 $604,400 $730,525 $907,900
    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
    MARTINSVILLE, VA MARTINSVILLE CI 2023 $472,030 $604,400 $730,525 $907,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC NEWPORT NEWS CI 2023 $507,150 $649,250 $784,800 $975,300
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC NORFOLK CITY 2023 $507,150 $649,250 $784,800 $975,300
    BIG STONE GAP, VA NORTON CITY 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA PETERSBURG CITY 2023 $546,250 $699,300 $845,300 $1,050,500
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC POQUOSON CITY 2023 $507,150 $649,250 $784,800 $975,300
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC PORTSMOUTH CITY 2023 $507,150 $649,250 $784,800 $975,300
    BLACKSBURG-CHRISTIANSBURG, VA RADFORD CITY 2023 $472,030 $604,400 $730,525 $907,900
    RICHMOND, VA RICHMOND CITY 2023 $546,250 $699,300 $845,300 $1,050,500
    ROANOKE, VA ROANOKE CITY 2023 $472,030 $604,400 $730,525 $907,900
    ROANOKE, VA SALEM CITY 2023 $472,030 $604,400 $730,525 $907,900
    STAUNTON, VA STAUNTON CITY 2023 $472,030 $604,400 $730,525 $907,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC SUFFOLK CITY 2023 $507,150 $649,250 $784,800 $975,300
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC VIRGINIA BEACH 2023 $507,150 $649,250 $784,800 $975,300
    STAUNTON, VA WAYNESBORO CITY 2023 $472,030 $604,400 $730,525 $907,900
    VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC WILLIAMSBURG CI 2023 $507,150 $649,250 $784,800 $975,300
    WINCHESTER, VA-WV WINCHESTER CITY 2023 $472,030 $604,400 $730,525 $907,900

    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).