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 6.81% for the week of 2024-04-12, compared to the national average (all FHA variants) of 6.739% for the same period.

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

The average rate for the prior week (2024-04-05) was 6.44% and one month ago for the week of 2024-03-08, the average rate was 6.57%.

The average rate one year ago was 6.21%.

For refis of the same type during the week of 2024-04-12, the average rate was 6.68%.

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).