Virginia FHA Loan Rates, Closing Costs & Stats

Virginia

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 6.17% for the week of 2023-05-26, compared to the national average (all FHA variants) of 6.612% for the same period.

Virginia's average FHA mortgage closing costs are $8,460.

The average rate for the prior week (2023-05-19) was 6.15% and one month ago for the week of 2023-04-21, the average rate was 5.79%.

The average rate one year ago was 4.91%.

For refis of the same type during the week of 2023-05-26, the average rate was 5.03%.

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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
QUICKEN LOANS, LLC 1,935 4.50% $10,615
MOVEMENT MORTGAGE, LLC 1,209 4.97% $10,183
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 977 5.07% $9,816
UNITED WHOLESALE MORTGAGE, LLC 960 4.83% $11,679
OVM FINANCIAL, INC. 617 4.64% $9,495
Alcova Mortgage LLC 608 5.21% $6,490
CALIBER HOME LOANS, INC. 562 4.77% $10,698
LOANDEPOT.COM, LLC 531 4.66% $11,400
NVR Mortgage Finance, Inc. 447 4.32% $15,428
PENNYMAC LOAN SERVICES, LLC 395 4.15% $11,347
FREEDOM MORTGAGE CORPORATION 393 4.66% $10,596
C & F Mortgage Corporation 379 5.07% $9,778
TIDEWATER MORTGAGE SERVICES, INC. 377 5.05% $10,524
NFM, INC. 347 5.32% $12,133
SOUTHERN TRUST MORTGAGE, LLC 345 4.87% $10,769
EMBRACE HOME LOANS, INC. 331 4.97% $9,872
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 327 5.89% $11,059
Mr. Cooper ( Nationstar Mortgage ) 316 4.42% $12,519
CARDINAL FINANCIAL 315 4.90% $11,690
George Mason Mortgage, LLC 270 4.63% $11,373
CBM Mortgage, Inc. 247 5.18% $9,416
MCLEAN MORTGAGE CORPORATION 234 4.85% $11,983
Atlantic Coast Mortgage, LLC 226 5.21% $12,752
BROKER SOLUTIONS, INC. 222 5.08% $10,829
Prosperity Home Mortgage, LLC 222 4.93% $10,000
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 217 5.23% $11,154
AMERISAVE MORTGAGE CORPORATION 217 4.48% $12,597
Carrington Mortgage Services, LLC 213 4.98% $11,397
Virginia Credit Union, Inc. 208 4.72% $7,686
Integrity Home Mortgage Corp 201 5.00% $11,793
HOMESIDE FINANCIAL, LLC 197 5.01% $12,327
LAKEVIEW LOAN SERVICING, LLC 188 3.89% $7,140
CAPITAL CENTER, L.L.C. 172 4.43% $6,376
HOMESPIRE MORTGAGE CORPORATION 170 5.31% $13,083
CROSSCOUNTRY MORTGAGE, LLC 160 5.09% $13,409
HOME POINT FINANCIAL CORPORATION 156 4.33% $12,740
First Heritage Mortgage, LLC 147 5.07% $15,199
Paramount Residential Mortgage Group, Inc. 140 5.10% $12,513
NEWREZ LLC 134 4.69% $9,493
INTERCOASTAL MORTGAGE COMPANY 126 4.61% $14,316
Atlantic Union Bank 125 5.06% $8,633
PRIMELENDING, A PLAINSCAPITAL COMPANY 120 4.99% $10,849
Nations Lending Corporation 118 5.03% $11,227
VILLAGE BANK MORTGAGE CORPORATION 117 4.92% $7,865
CMG MORTGAGE, INC. 111 5.31% $11,793
Presidential Bank, FSB 110 4.98% $10,580
FINANCE OF AMERICA MORTGAGE LLC 109 4.80% $12,763
Towne Bank 102 4.62% $10,518
Blue Ridge Bank 99 4.89% $8,492
Flagstar Bank, FSB 95 4.64% $11,065
Truist 94 4.74% $9,133
The Federal Savings Bank 91 4.75% $11,744
VANDERBILT MORTGAGE AND FINANCE, INC. 91 4.92% $12,360
SWBC MORTGAGE CORPORATION 90 4.90% $9,042
Plains Commerce Bank 90 4.94% $13,372
UNION HOME MORTGAGE CORP. 87 5.40% $10,046
Tidewater Home Funding, LLC 86 4.86% $8,346
PLANET HOME LENDING, LLC 85 4.76% $11,223
GUARANTEED RATE, INC. 84 4.85% $13,007
Lakeview Community Capital, LLC 83 4.09% $7,604
Ameris Bank 81 4.79% $10,817
DHI MORTGAGE COMPANY, LTD. 79 3.83% $13,993
AMERICAN FINANCIAL RESOURCES, INC. 79 4.41% $9,845
RELIANCE FIRST CAPITAL, LLC 76 4.87% $10,918
Citizens Bank 75 4.69% $9,539
MUTUAL OF OMAHA MORTGAGE, INC. 74 4.87% $12,411
Mortgage Research Center, LLC 74 5.09% $7,102
EMM LOANS LLC 66 5.17% $11,739
Waterstone Mortgage Corporation 65 5.07% $9,631
NATION ONE MORTGAGE CORPORATION 63 5.22% $10,333
Towne Mortgage, LLC 62 4.85% $9,767
MILEND, INC. 61 4.79% $15,151
HOMEBRIDGE FINANCIAL SERVICES, INC. 60 5.00% $11,887
Vellum Mortgage, Inc. 58 5.09% $14,295
Equity Prime Mortgage LLC 56 5.27% $12,816
AMERICAN PACIFIC MORTGAGE CORPORATION 55 5.54% $10,336
TOWNE MORTGAGE COMPANY 51 4.94% $9,009
GUILD MORTGAGE COMPANY 51 5.17% $11,228
DRAPER AND KRAMER MORTGAGE CORP. 51 4.91% $12,655
Towne First Mortgage, LLC 50 5.01% $10,551
FIRST SAVINGS MORTGAGE CORPORATION 48 4.85% $14,239
Sierra Pacific Mortgage Company, Inc. 47 4.77% $11,894
FREEDOM FIRST 45 4.58% $6,395
M&T Bank 45 4.22% $9,397
Advance Financial Group, LLC 45 4.79% $10,163
FIDELITY DIRECT MORTGAGE, LLC 44 5.01% $13,185
PLAZA HOME MORTGAGE, INC. 44 4.93% $16,277
SUN WEST MORTGAGE COMPANY, INC. 41 4.82% $12,615
F & M BANK CORP. 41 4.87% $8,775
LOANPAL, LLC 40 4.15% $12,076
Wells Fargo Bank 39 4.93% $7,816
ARK-LA-TEX FINANCIAL SERVICES, LLC. 38 5.22% $9,541
NewTowne Mortgage, LLC 38 5.09% $9,836
EagleBank 37 4.89% $10,965
AMERICAN FINANCING CORPORATION 36 4.51% $9,387
MYCUMORTGAGE, LLC 36 5.00% $6,947
THRIVE MORTGAGE, LLC 36 5.67% $9,198
Christensen Financial, Inc. 35 4.65% $11,123
Hometown Lenders, Inc. 35 4.70% $13,961
EVERETT FINANCIAL, INC. 35 5.23% $7,086
First Federal Bank 34 4.65% $11,163
NATIONS DIRECT MORTGAGE, LLC 34 4.40% $11,314
Renasant Bank 33 4.53% $8,622
The Freedom Bank of Virginia 32 4.77% $10,794
Fulton Bank 31 4.71% $9,467
NETWORK CAPITAL FUNDING CORPORATION 29 4.94% $12,271
EAGLE HOME MORTGAGE, LLC 29 4.97% $16,832
GENEVA FINANCIAL, LLC 28 5.39% $13,239
VILLAGE CAPITAL MORTGAGE 27 4.04% $7,860
GSF Mortgage Corporation 27 5.44% $14,411
FIRST HOME MORTGAGE CORPORATION 27 4.95% $11,863
C&F Select LLC 27 5.17% $9,250
Loan Simple, Inc. 26 5.12% $11,798
Ixonia Bank 26 5.20% $12,866
ZILLOW HOME LOANS, LLC 26 5.16% $9,469
Century Mortgage Company DBA Century Lending Company 26 4.26% $12,483
JOHNSON MORTGAGE COMPANY, L.L.C. 25 4.21% $10,418
JAMS-01, INC. 25 4.60% $14,112
SECURITYNATIONAL MORTGAGE COMPANY 25 4.55% $12,400
ALLIED MORTGAGE GROUP, INC. 24 4.45% $11,563
Member Options, LLC 24 5.07% $8,741
First Guaranty Mortgage Corporation 23 3.79% $11,386
CityWorth Mortgage LLC 22 4.81% $13,623
PRIMARY RESIDENTIAL MORTGAGE, INC. 22 4.77% $10,719
Bank of America 20 4.13% $6,988
K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 20 5.54% $21,132
JPMorgan Chase Bank 20 4.52% $7,384
MID AMERICA MORTGAGE, INC. 19 5.18% $9,464
Wyndham Capital Mortgage, Inc. 19 4.93% $10,218
MLD MORTGAGE INC. 18 4.93% $12,176
PNC Bank 18 4.47% $11,411
GEO-CORP, INC. 17 5.48% $14,728
APEX HOME LOANS, INC. 17 4.34% $7,760
Assurance Financial Group, L.L.C. 17 4.80% $10,623
Bank of England 17 5.28% $8,275
MEMBER ADVANTAGE MORTGAGE, LLC 17 5.13% $7,272
MID-ISLAND MORTGAGE CORP. 17 4.93% $13,250
ROUNDPOINT MORTGAGE SERVICING CORPORATION 17 4.34% $6,605
BAY EQUITY LLC 16 5.46% $14,894
BAYSHORE MORTGAGE FUNDING, LLC 16 5.21% $12,866
HOMEAMERICAN MORTGAGE CORPORATION 16 4.16% $12,395
SUCCESS MORTGAGE PARTNERS, INC. 16 4.53% $10,540
Summit Mortgage Corporation 15 5.12% $11,467
CHURCHILL MORTGAGE CORPORATION 15 5.03% $12,504
PENTAGON FEDERAL CREDIT UNION 15 5.48% $9,941
Strong Home Mortgage, LLC 14 4.73% $10,725
HAMILTON HOME LOANS, INC. 14 4.75% $9,688
INTERLINC MORTGAGE SERVICES, LLC 14 4.88% $9,487
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 14 5.20% $11,823
U.S. Bank 14 4.72% $12,209
Barrington Bank & Trust Company, N.A. 14 4.52% $8,589
MORIA DEVELOPMENT, INC. 13 5.30% $12,068
Magnolia Bank 13 4.79% $11,690
UNITED MORTGAGE CORP. 13 4.66% $10,577
ROSS MORTGAGE CORPORATION 13 5.41% $17,582
RANLIFE, INC. 13 4.62% $9,673
OCMBC, INC. 13 5.04% $14,645
GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 12 5.10% $10,434
Hometown Equity Mortgage, LLC 12 4.84% $12,465
NATIONS RELIABLE LENDING, LLC 12 4.19% $10,240
GoPrime Mortgage, Inc. 12 5.11% $9,693
Evolve Bank & Trust 12 4.92% $12,454
NATIONWIDE MORTGAGE BANKERS, INC. 12 4.89% $13,478
ISERVE RESIDENTIAL LENDING, LLC 12 5.46% $10,028
SOVEREIGN LENDING GROUP INCORPORATED 12 4.24% $10,217
MASON MCDUFFIE MORTGAGE CORPORATION 12 4.44% $8,981
GUARANTEED RATE AFFINITY, LLC 11 4.94% $14,201
AmeriHome Mortgage Company, LLC 11 5.18% $10,742
ACADEMY MORTGAGE CORPORATION 11 5.00% $14,381
RESIDENTIAL BANCORP. 10 3.87% $9,016
First Option Mortgage, LLC 10 5.19% $15,846
LIBERTY HOME MORTGAGE CORPORATION 10 5.54% $13,903
LOANLEADERS OF AMERICA, INC. 10 5.25% $16,350
MORTGAGE ACCESS CORP. 10 4.79% $12,326
MY MORTGAGE, INC. 10 4.69% $11,600
DRAGAS MORTGAGE COMPANY 10 5.36% $10,360
Peoples Bank 10 4.89% $12,769
Sandy Spring Bank 10 4.85% $13,125
Shamrock Home Loans, Inc. 10 5.25% $10,440
STOCKTON MORTGAGE CORPORATION 10 4.89% $10,950
HANCOCK MORTGAGE PARTNERS, LLC 9 4.89% $8,244
RUOFF MORTGAGE COMPANY, INC. 9 4.47% $6,248
AMERIFIRST FINANCIAL CORPORATION 9 5.43% $9,137
US MORTGAGE CORPORATION 9 5.17% $15,179
DAS Acquisition Company, LLC 9 5.54% $20,638
North American Savings Bank, F.S.B. 9 4.51% $9,531
Victorian Finance, LLC 8 5.41% $8,044
Princeton Mortgage Corporation 8 4.73% $10,899
ABSOLUTE HOME MORTGAGE CORPORATION 8 4.75% $11,580
FIRST EQUITY MORTGAGE INCORPORATED 8 3.98% $13,800
SOUTHPOINT FINANCIAL SERVICES, INC. 8 4.59% $14,974
ARC HOME LLC 8 4.59% $10,568
CREDIT UNION MORTGAGE ASSOCIATION, INC. 8 4.34% $8,016
CONTOUR MORTGAGE CORPORATION 7 4.95% $11,416
JET HOMELOANS, LLC 7 5.25% $13,738
Gateway First Bank 7 4.91% $10,449
Dollar Bank, Federal Savings Bank 7 4.88% $8,011
THE MORTGAGE LINK, INC. 7 4.73% $10,538
Encompass Lending Group, LP 7 4.68% $11,271
MANN FINANCIAL INC. 7 5.68% $14,323
OCEANSIDE MORTGAGE COMPANY 7 4.05% $3,835
MIDLAND MORTGAGE CORPORATION 7 4.52% $9,178
BETTER MORTGAGE CORPORATION 7 4.16% $8,640
PANORAMA MORTGAGE GROUP, LLC 7 5.75% $15,569
Commerce Home Mortgage, Inc. 6 4.10% $11,327
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 6 4.50% $10,852
GUARANTY HOME MORTGAGE CORPORATION 6 5.96% $9,065
DATA MORTGAGE, INC. 6 5.58% $11,587
PHH Mortgage Corporation 6 4.79% $16,511
FIRST COMMUNITY MORTGAGE, INC. 6 4.58% $7,687
The Fidelity Bank 6 4.98% $7,185
CERTAINTY HOME LOANS, LLC 6 5.27% $13,530
Residential Mortgage Solutions, Inc. 6 5.48% $14,321
Acre Mortgage and Financial Inc 5 5.68% $15,928
PULTE MORTGAGE LLC 5 5.53% $11,864
Northpointe Bank 5 5.00% $12,232
Mortgage Network, Inc. 5 5.03% $7,112
PREMIA MORTGAGE, LLC 5 4.70% $7,676
SOUTHWEST STAGE FUNDING, LLC 5 4.70% $5,786
Congressional Bank 5 4.05% $13,814
GMFS LLC 5 4.85% $13,859
MICHIGAN MUTUAL, INC. 5 4.37% $14,726
Texana Bank 5 4.75% $8,975
INTELLILOAN, INC. 4 4.62% $10,452
T2 FINANCIAL LLC 4 5.81% $16,062
NP, Inc. 4 5.31% $8,361
CORNERSTONE HOME LENDING, INC. 4 5.00% $8,560
Pinnacle Bank 4 5.22% $6,611
LEADERONE FINANCIAL CORPORATION 4 4.22% $11,663
ENVOY MORTGAGE, LTD 4 5.66% $13,398
Willamette Valley Bank 4 5.28% $12,612
NBKC BANK 4 4.84% $9,510
1ST PREFERENCE MORTGAGE CORP. 4 4.22% $22,256
ROYAL UNITED MORTGAGE LLC 4 5.78% $9,609
NORTHERN MORTGAGE SERVICES, LLC 3 5.54% $9,209
The Central Trust Bank 3 3.79% $10,970
STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED 3 6.21% $5,344
FAY SERVICING, LLC 3 4.75% $6,562
Capital Bank 3 4.87% $10,331
Meridian Bank Corporation 3 5.33% $10,960
FIRST ALLIANCE HOME MORTGAGE, LLC 3 6.46% $14,333
NEW DAY FINANCIAL, LLC 3 4.33% $13,909
CRESCENT MORTGAGE COMPANY 3 3.79% $7,348
DIRECT MORTGAGE LOANS, LLC 3 4.21% $8,550
THE MORTGAGE FIRM, INC. 3 4.83% $8,599
American National Bank and Trust Company 3 4.17% $5,826
Chickasaw Community Bank 3 5.13% $10,242
The Huntington National Bank 3 4.38% $7,552
TJC Mortgage, Inc. 3 5.25% $13,610
WesBanco Bank, Inc. 3 3.96% $11,452
Paramount Bank 3 5.58% $7,377
MORTGAGE SOLUTIONS OF COLORADO, LLC 3 5.92% $23,158
AMERICAN BANCSHARES MORTGAGE, LLC 2 5.75% $19,756
First Home Bank 2 5.88% $16,290
First Horizon Bank 2 4.75% $10,223
ANGEL OAK HOME LOANS LLC 2 5.19% $6,981
BNC National Bank 2 4.56% $9,099
Colonial Savings, F.A. 2 4.44% $15,804
POLARIS HOME FUNDING CORP. 2 4.88% $9,729
Armed Forces Bank 2 4.63% $9,859
FIRST STATE MORTGAGE SERVICES, LLC 2 4.56% $16,281
Kwik Mortgage Corporation 2 3.81% $15,607
Shore United Bank 2 4.56% $13,223
LANGLEY 2 5.38% $10,525
TBI MORTGAGE COMPANY 2 5.00% $15,976
BECKAM FUNDING CORP. 2 6.00% $26,027
RESIDENTIAL HOME FUNDING CORP. 2 5.44% $17,625
NMSI, INC. 2 5.50% $21,140
1ST SIGNATURE LENDING, LLC 2 4.94% $17,583
HOMESTAR FINANCIAL CORPORATION 2 5.19% $9,745
UNITED NORTHERN MORTGAGE BANKERS LIMITED 2 6.69% $12,931
MDE Home Loans, LLC 1 4.50% $29,317
MEMBERS 1ST FEDERAL CREDIT UNION 1 5.63% $12,805
First-Citizens Bank & Trust Company 1 5.00% $6,431
MISSION MORTGAGE LLC 1 4.25% $15,688
MK LENDING CORP. 1 3.75% $15,339
FirstBank 1 3.88% $6,238
LEGEND LENDING CORPORATION 1 6.75% $22,343
Watermark Capital, Inc. 1 5.50% $12,333
Fifth Third Bank 1 5.50% $6,320
FBC MORTGAGE, LLC 1 3.63% $6,382
Homesale Mortgage, LLC 1 6.25% $12,794
NASA Federal Credit Union 1 5.25% $7,983
LAND HOME FINANCIAL SERVICES, INC. 1 5.50% $29,897
NBH Bank 1 3.13% $9,859
NexBank 1 2.63% $12,368
NJ LENDERS CORP. 1 5.25% $12,799
NORWICH COMMERCIAL GROUP, INC. 1 5.25% $9,358
First Mortgage Solutions, LLC 1 3.00% $12,752
ONY GLO, INC. 1 5.25% $11,894
First National Bank of Omaha 1 4.88% $6,745
PIKE CREEK MORTGAGE SERVICES, INC. 1 4.13% $14,517
Colten Mortgage, LLC 1 3.75% $8,924
CLEARPATH LENDING 1 3.75% $15,064
PREMIER LENDING, INC. 1 3.75% $9,881
CITY FIRST MORTGAGE SERVICES, L.L.C. 1 5.25% $12,707
Citibank 1 4.75% $9,933
First National Bank of Pennsylvania 1 6.50% $16,429
RAPID MORTGAGE COMPANY 1 3.25% $10,536
Regions Bank 1 5.13% $8,529
Capital City Home Loans, LLC 1 5.25% $10,244
KeyBank 1 5.88% $9,541
RESOURCE FINANCIAL SERVICES, INC. 1 4.25% $11,155
KELLER MORTGAGE, LLC 1 6.13% $3,651
S1L, Inc. 1 3.88% $8,950
SeaTrust Mortgage Company 1 7.25% $8,481
CANOPY MORTGAGE, LLC 1 5.75% $15,318
SIWELL, INC. 1 3.63% $8,321
South State Bank 1 4.75% $7,137
JET DIRECT FUNDING CORP 1 3.75% $22,464
SUMMIT FUNDING, INC. 1 3.75% $7,444
Florida Capital Bank 1 5.63% $17,465
1ST FINANCIAL, INC. 1 5.25% $13,685
The Union Bank Company 1 4.63% $12,685
Austin Capital Bank SSB 1 5.25% $9,291
Arvest Bank 1 6.50% $6,480
TOTAL MORTGAGE SERVICES, LLC 1 3.88% $19,466
Amerifirst Financial, Inc. 1 3.75% $9,288
Truliant Federal Credit Union 1 4.38% $5,152
American Security Mortgage Corp. 1 4.13% $10,196
United Bank 1 5.75% $9,855
United Fidelity Funding Corp. 1 5.75% $11,411
INLAND BANK & TRUST 1 4.88% $17,389
HOMEXPRESS MORTGAGE CORP. 1 5.63% $10,942
UNIVERSAL MORTGAGE & FINANCE, INC. 1 5.63% $13,766
American Mortgage & Equity Consultants, Inc. 1 5.75% $15,391
AMERICAN ADVISORS GROUP 1 2.88% $7,826
Low VA Rates, LLC 1 3.75% $6,215
First Internet Bank of Indiana 1 6.00% $11,237
FIRST HERITAGE FINANCIAL, LLC 1 4.75% $5,856
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 6.25% $12,189

The top Virginia FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 1,935 FHA loans originated. Their average total fees are $10,615, which is $432 higher than the next largest lender, MOVEMENT MORTGAGE, LLC.

The lowest fee Virginia FHA lenders (with over 10 loans originated) are CAPITAL CENTER, L.L.C. ($6,376), FREEDOM FIRST ($6,395), Alcova Mortgage LLC ($6,490), ROUNDPOINT MORTGAGE SERVICING CORPORATION ($6,605) and MYCUMORTGAGE, LLC ($6,947).

The lowest rate Virginia FHA lenders (with over 10 loans originated) are First Guaranty Mortgage Corporation (3.79%), DHI MORTGAGE COMPANY, LTD. (3.83%), RESIDENTIAL BANCORP. (3.87%), LAKEVIEW LOAN SERVICING, LLC (3.89%) and VILLAGE CAPITAL MORTGAGE (4.04%).

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).