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 6.28% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Virginia's average FHA mortgage closing costs are $9,377.

    The average rate for the prior week (2025-03-28) was 6.48% and one month ago for the week of 2025-02-28, the average rate was 6.46%.

    The average rate one year ago was 6.88%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.77%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 1,780 6.25% $12,800
    UNITED WHOLESALE MORTGAGE, LLC 1,415 6.09% $15,190
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 823 6.64% $11,841
    MOVEMENT MORTGAGE, LLC 796 6.54% $12,532
    FREEDOM MORTGAGE CORPORATION 740 6.37% $13,485
    NVR Mortgage Finance, Inc. 647 6.24% $14,403
    Alcova Mortgage LLC 543 6.68% $7,509
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 502 6.64% $12,993
    PENNYMAC LOAN SERVICES, LLC 396 5.99% $12,062
    LOANDEPOT.COM, LLC 348 6.22% $14,096
    First Heritage Mortgage, LLC 339 6.13% $15,276
    SOUTHERN TRUST MORTGAGE, LLC 309 6.58% $12,792
    Atlantic Coast Mortgage, LLC 295 6.41% $14,332
    C & F Mortgage Corporation 282 6.58% $11,448
    Prosperity Home Mortgage, LLC 270 6.27% $13,130
    NEWREZ LLC 261 6.38% $12,197
    City Lending Inc. 246 6.92% $19,101
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 245 6.62% $11,814
    TIDEWATER MORTGAGE SERVICES, INC. 241 6.33% $13,276
    CROSSCOUNTRY MORTGAGE, LLC 224 6.46% $12,999
    CMG MORTGAGE, INC. 218 6.29% $14,218
    Integrity Home Mortgage Corp 202 6.52% $12,993
    NFM, INC. 198 6.73% $14,888
    BROKER SOLUTIONS, INC. 192 6.73% $13,424
    Virginia Credit Union, Inc. 186 6.37% $9,460
    AMERICAN FINANCIAL NETWORK, INC. 183 6.45% $13,720
    CARDINAL FINANCIAL 178 6.66% $13,353
    Mr. Cooper ( Nationstar Mortgage ) 171 6.45% $15,432
    Presidential Bank, FSB 154 6.58% $11,730
    GUILD MORTGAGE COMPANY 150 6.46% $12,345
    HOMESIDE FINANCIAL, LLC 148 6.53% $15,193
    DHI MORTGAGE COMPANY, LTD. 148 5.13% $12,701
    MUTUAL OF OMAHA MORTGAGE, INC. 145 6.49% $16,075
    Carrington Mortgage Services, LLC 144 6.28% $14,442
    VILLAGE CAPITAL MORTGAGE 126 6.47% $8,869
    EMBRACE HOME LOANS, INC. 122 6.48% $13,594
    United Bank 121 6.23% $11,783
    UNION HOME MORTGAGE CORP. 120 6.52% $13,220
    Atlantic Union Bank 119 6.50% $9,612
    FIRST COMMUNITY MORTGAGE, INC. 110 6.53% $11,964
    HOMESPIRE MORTGAGE CORPORATION 110 6.65% $12,626
    Equity Prime Mortgage LLC 105 6.73% $14,396
    CAPITAL CENTER, L.L.C. 105 6.19% $6,994
    GUARANTEED RATE, INC. 103 6.44% $12,822
    Truist 103 6.16% $11,983
    Waterstone Mortgage Corporation 97 6.61% $11,887
    Flagstar Bank, FSB 92 6.13% $11,922
    MORIA DEVELOPMENT, INC. 91 6.49% $12,352
    LAKEVIEW LOAN SERVICING, LLC 89 6.26% $9,963
    Towne Bank 89 6.24% $13,124
    INTERCOASTAL MORTGAGE COMPANY 89 6.14% $16,402
    PLANET HOME LENDING, LLC 85 6.20% $10,365
    EVERETT FINANCIAL, INC. 84 6.62% $11,652
    AMERISAVE MORTGAGE CORPORATION 84 6.22% $15,456
    LOANPAL, LLC 83 5.75% $12,877
    AMERICAN FINANCIAL RESOURCES, INC. 83 6.34% $14,809
    SUN WEST MORTGAGE COMPANY, INC. 81 6.06% $14,289
    Vellum Mortgage, Inc. 77 6.50% $15,748
    The Federal Savings Bank 76 6.49% $14,329
    MILEND, INC. 73 6.29% $16,645
    SWBC MORTGAGE CORPORATION 73 6.65% $8,286
    CALCON MUTUAL MORTGAGE LLC 68 6.17% $13,513
    Advance Financial Group, LLC 65 6.33% $12,917
    FIRST SAVINGS MORTGAGE CORPORATION 63 6.32% $15,306
    Mortgage Research Center, LLC 62 6.61% $7,639
    TOWNE MORTGAGE COMPANY 61 6.69% $10,302
    RELIANCE FIRST CAPITAL, LLC 61 6.60% $13,612
    HOMEAMERICAN MORTGAGE CORPORATION 58 5.10% $10,258
    AmeriHome Mortgage Company, LLC 57 6.51% $7,573
    EAGLE HOME MORTGAGE, LLC 56 5.69% $16,267
    Plains Commerce Bank 56 6.41% $14,692
    VILLAGE BANK MORTGAGE CORPORATION 56 6.41% $8,214
    Century Mortgage Company DBA Century Lending Company 56 6.30% $12,985
    Ameris Bank 56 6.53% $13,580
    Tidewater Home Funding, LLC 56 6.24% $9,388
    GSF Mortgage Corporation 55 6.55% $13,940
    Blue Ridge Bank 55 6.53% $9,472
    NATION ONE MORTGAGE CORPORATION 54 6.67% $9,925
    Lakeview Community Capital, LLC 53 6.39% $9,486
    Nations Lending Corporation 53 6.38% $13,686
    FIDELITY DIRECT MORTGAGE, LLC 50 6.59% $14,189
    FREEDOM FIRST 49 6.21% $8,519
    PLAZA HOME MORTGAGE, INC. 49 6.72% $14,485
    Towne First Mortgage, LLC 47 6.37% $13,047
    PRIMELENDING, A PLAINSCAPITAL COMPANY 46 6.52% $13,410
    HOMEBRIDGE FINANCIAL SERVICES, INC. 46 6.46% $10,530
    Paramount Residential Mortgage Group, Inc. 46 6.56% $15,745
    FIRST HOME MORTGAGE CORPORATION 45 6.54% $16,169
    EMM LOANS LLC 44 6.30% $11,813
    F & M BANK CORP. 43 6.60% $10,030
    Renasant Bank 42 6.20% $10,448
    Towne Mortgage, LLC 41 6.31% $12,185
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 38 6.62% $10,837
    BAY EQUITY LLC 38 6.35% $13,774
    T2 FINANCIAL LLC 38 6.64% $14,210
    OCMBC, INC. 36 6.81% $16,919
    M&T Bank 36 6.32% $11,693
    Fulton Bank 34 6.19% $11,233
    The Freedom Bank of Virginia 33 5.98% $13,338
    NATIONS DIRECT MORTGAGE, LLC 31 6.30% $16,493
    Sierra Pacific Mortgage Company, Inc. 31 6.46% $13,858
    Ixonia Bank 31 6.71% $12,097
    AMERICAN FINANCING CORPORATION 29 5.84% $15,628
    K. HOVNANIAN AMERICAN MORTGAGE, L.L.C. 29 6.15% $20,211
    SUMMIT FUNDING, INC. 28 6.29% $14,797
    MID AMERICA MORTGAGE, INC. 28 7.16% $13,002
    ZILLOW HOME LOANS, LLC 27 6.36% $12,684
    GEO-CORP, INC. 26 7.02% $19,876
    DRAGAS MORTGAGE COMPANY 26 5.89% $15,215
    Home Mortgage Alliance Corp 24 6.88% $15,676
    Wells Fargo Bank 23 6.47% $11,942
    ROSS MORTGAGE CORPORATION 22 6.68% $13,159
    First Federal Bank 22 6.41% $9,456
    U.S. Bank 22 6.37% $12,430
    Loan Simple, Inc. 21 6.98% $15,865
    The Loan Store, Inc. 20 6.17% $16,146
    Cornerstone First Mortgage, Inc 20 6.66% $14,878
    PENTAGON FEDERAL CREDIT UNION 20 6.00% $13,804
    JET HOMELOANS, LLC 19 5.74% $16,031
    MLD MORTGAGE INC. 19 5.91% $13,798
    Sandy Spring Bank 18 6.28% $14,947
    FIRST EQUITY MORTGAGE INCORPORATED 18 5.82% $21,984
    MORTGAGE SOLUTIONS OF COLORADO, LLC 18 7.00% $15,866
    CITY FIRST MORTGAGE SERVICES, L.L.C. 18 6.82% $11,266
    SeaTrust Mortgage Company 18 6.30% $11,968
    INTELLILOAN, INC. 18 5.98% $7,601
    BAYSHORE MORTGAGE FUNDING, LLC 17 6.30% $22,493
    GENEVA FINANCIAL, LLC 17 7.20% $14,252
    NATIONWIDE MORTGAGE BANKERS, INC. 17 6.48% $15,629
    AMERICAN PACIFIC MORTGAGE CORPORATION 17 6.66% $15,420
    C&F Select LLC 17 6.65% $13,447
    JAMS-01, INC. 17 6.10% $15,417
    Keystone Funding, Inc. 16 6.42% $12,686
    MORTGAGE INVESTORS GROUP, INC. 15 6.50% $6,894
    GUARANTEED RATE AFFINITY, LLC 15 6.39% $13,808
    PHH Mortgage Corporation 15 6.08% $11,543
    ROYAL UNITED MORTGAGE LLC 14 6.61% $11,611
    Citizens Bank 14 6.49% $11,718
    FIRST ALLIANCE HOME MORTGAGE, LLC 14 5.71% $18,758
    OPEN MORTGAGE, LLC 13 6.72% $21,044
    First-Citizens Bank & Trust Company 13 6.00% $8,022
    TOP FLITE FINANCIAL, INC. 13 6.67% $24,294
    American Mortgage & Equity Consultants, Inc. 13 6.47% $15,113
    ALLIED MORTGAGE GROUP, INC. 13 6.18% $15,911
    Barrington Bank & Trust Company, N.A. 13 6.33% $12,709
    GVC MORTGAGE, INC. 13 6.17% $12,788
    ARC HOME LLC 12 6.92% $18,754
    South State Bank 12 5.88% $13,009
    JPMorgan Chase Bank 12 6.25% $10,029
    Bank of England 12 6.32% $7,427
    Evolve Bank & Trust 12 6.82% $10,544
    PRIMARY RESIDENTIAL MORTGAGE, INC. 11 6.55% $16,019
    NBKC BANK 11 5.97% $13,215
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 10 7.09% $8,019
    The Dart Bank 10 6.07% $17,816
    MEMBER ADVANTAGE MORTGAGE, LLC 10 6.44% $7,937
    DAS Acquisition Company, LLC 10 6.94% $13,720
    NETWORK CAPITAL FUNDING CORPORATION 10 6.26% $18,021
    Strong Home Mortgage, LLC 10 5.91% $13,094
    AFFORDABLE MORTGAGE ADVISORS, LLC. 9 6.63% $11,351
    ISERVE RESIDENTIAL LENDING, LLC 9 7.00% $12,606
    BETTER MORTGAGE CORPORATION 9 5.47% $18,993
    CORNERSTONE HOME LENDING, INC. 9 6.78% $10,237
    FIRST COLONY MORTGAGE CORPORATION 8 6.20% $11,229
    ENVOY MORTGAGE, LTD 8 6.56% $13,918
    MYCUMORTGAGE, LLC 8 7.33% $8,471
    CHURCHILL MORTGAGE CORPORATION 8 6.42% $14,704
    RANLIFE, INC. 8 5.91% $12,999
    RUOFF MORTGAGE COMPANY, INC. 8 5.83% $8,715
    US MORTGAGE CORPORATION 8 6.27% $11,520
    Acre Mortgage and Financial Inc 8 6.45% $20,894
    LANGLEY 7 6.77% $7,695
    Pinnacle Bank 7 6.18% $8,921
    LOANLEADERS OF AMERICA, INC. 7 6.32% $16,588
    OCEANSIDE MORTGAGE COMPANY 7 6.02% $6,137
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 7 6.32% $14,182
    PNC Bank 7 6.46% $11,051
    JMAC LENDING, INC. 7 5.80% $17,280
    UNIVERSAL MORTGAGE & FINANCE, INC. 7 6.41% $36,159
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 6 6.19% $10,644
    Bank of America 6 6.96% $8,152
    TOTAL MORTGAGE SERVICES, LLC 6 6.58% $15,974
    MASON MCDUFFIE MORTGAGE CORPORATION 6 6.54% $10,653
    LIBERTY HOME MORTGAGE CORPORATION 6 6.98% $16,185
    PANORAMA MORTGAGE GROUP, LLC 6 6.90% $15,608
    SOUTHPOINT FINANCIAL SERVICES, INC. 6 6.42% $9,670
    Encompass Lending Group, LP 6 6.85% $15,610
    NEW DAY FINANCIAL, LLC 6 7.54% $7,657
    BECKAM FUNDING CORP. 5 7.30% $20,210
    Mid-Continent Funding, Inc. 5 6.28% $12,628
    SUCCESS MORTGAGE PARTNERS, INC. 5 5.90% $13,679
    First National Bank of Pennsylvania 5 6.13% $10,642
    The Fidelity Bank 5 6.48% $6,312
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 5 7.05% $11,776
    MK LENDING CORP. 5 5.95% $20,707
    MORTGAGE ACCESS CORP. 5 6.68% $11,139
    FBC MORTGAGE, LLC 5 5.87% $11,907
    Armed Forces Bank 5 6.25% $9,933
    Princeton Mortgage Corporation 5 6.48% $13,757
    Capital Bank 5 6.35% $11,623
    CANOPY MORTGAGE, LLC 5 6.57% $15,314
    EVANSVILLE TEACHERS 4 6.59% $11,534
    V.I.P. MORTGAGE, INC. 4 6.00% $11,778
    LEGEND LENDING CORPORATION 4 6.56% $20,454
    PREMIA MORTGAGE, LLC 4 6.07% $10,880
    MICHIGAN MUTUAL, INC. 4 6.31% $11,746
    DIRECT MORTGAGE LOANS, LLC 4 6.47% $12,308
    STOCKTON MORTGAGE CORPORATION 4 6.25% $15,965
    WesBanco 4 6.28% $18,227
    Texana Bank 4 6.13% $15,086
    Hometown Equity Mortgage, LLC 4 6.16% $17,753
    Assurance Financial Group, L.L.C. 4 7.06% $8,740
    TBI MORTGAGE COMPANY 4 6.34% $22,256
    CityWorth Mortgage LLC 4 6.44% $14,193
    American Security Mortgage Corp. 3 6.25% $9,590
    Shore United Bank 3 5.88% $10,199
    EQUITY RESOURCES, INC. 3 6.50% $14,279
    Old National Bank 3 6.21% $9,723
    Fifth Third Bank 3 6.92% $8,372
    RESIDENTIAL BANCORP 3 6.12% $12,430
    Magnolia Bank 3 6.00% $11,425
    BAY CAPITAL MORTGAGE CORPORATION 3 6.67% $15,074
    Residential Mortgage Solutions, Inc. 3 6.04% $17,802
    A&D Mortgage LLC 3 7.00% $23,585
    Meridian Bank Corporation 3 6.21% $12,327
    Gateway First Bank 3 6.75% $8,936
    SOUTHWEST STAGE FUNDING, LLC 3 5.83% $5,688
    NATIONS RELIABLE LENDING, LLC 3 6.83% $11,785
    THE MORTGAGE FIRM, INC. 3 6.29% $12,621
    Dollar Bank, Federal Savings Bank 3 6.67% $9,412
    ONY GLO, INC. 3 5.88% $15,129
    Bank of Tennessee 2 5.75% $8,752
    First Option Mortgage, LLC 2 6.69% $12,451
    MDE Home Loans, LLC 2 6.25% $29,915
    1ST FINANCIAL, INC. 2 5.50% $27,395
    THE MORTGAGE LINK, INC. 2 7.06% $17,950
    Paramount Bank 2 6.00% $10,686
    DATA MORTGAGE, INC. 2 6.88% $10,515
    Arvest Bank 2 6.19% $10,443
    1ST SIGNATURE LENDING, LLC 2 6.38% $17,162
    Peoples Bank 2 6.50% $13,047
    VANDERBILT MORTGAGE AND FINANCE, INC. 2 6.06% $9,779
    VAN DYK MORTGAGE CORPORATION 2 6.62% $4,293
    Advisors Mortgage Group, L.L.C. 2 6.69% $9,631
    MORTGAGE EQUITY PARTNERS LLC 2 6.75% $12,303
    MID-ISLAND MORTGAGE CORP. 2 6.31% $16,988
    PULTE MORTGAGE LLC 2 6.31% $13,559
    Chickasaw Community Bank 2 6.31% $13,120
    East Coast Capital Corp. 2 6.94% $16,450
    Regions Bank 2 6.38% $11,181
    MY MORTGAGE, INC. 2 6.25% $10,826
    SECURITYNATIONAL MORTGAGE COMPANY 2 6.38% $12,698
    Northpointe Bank 2 5.94% $7,525
    NORWICH COMMERCIAL GROUP, INC. 2 7.00% $12,804
    Wolfe Financial, Inc 1 6.63% $9,342
    Watermark Capital, Inc. 1 6.75% $13,184
    NEW WAVE LENDING GROUP INC 1 6.75% $16,278
    NexBank 1 7.13% $15,256
    NMSI, INC. 1 5.88% $29,428
    North American Savings Bank, F.S.B. 1 5.13% $16,966
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 7.00% $11,618
    CONTOUR MORTGAGE CORPORATION 1 6.13% $30,376
    Commerce Home Mortgage, Inc. 1 6.63% $9,482
    Colony Bank 1 6.13% $10,894
    Performance Financial, Inc. 1 6.75% $11,100
    Civista Bank 1 6.50% $8,473
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.75% $7,839
    FirstBank 1 6.63% $11,001
    Citibank 1 5.38% $5,152
    HARTFORD FUNDING, LTD. 1 7.13% $26,440
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.00% $11,927
    LENOX FINANCIAL MORTGAGE CORPORATION 1 5.25% $11,505
    S1L, Inc. 1 6.25% $8,620
    Leaders Credit Union 1 6.75% $4,160
    Shea Mortgage Inc. 1 6.00% $7,962
    BOKF 1 6.63% $9,082
    SIRVA MORTGAGE, INC. 1 7.25% $7,279
    LEADERONE FINANCIAL CORPORATION 1 6.75% $12,049
    First Community Bank 1 5.75% $10,248
    TD Bank 1 6.88% $8,222
    INTERCAP LENDING INC. 1 6.13% $14,021
    The Huntington National Bank 1 7.00% $13,223
    The Union Bank Company 1 6.13% $10,028
    AXIA FINANCIAL, LLC 1 7.25% $10,530
    TJC Mortgage, Inc. 1 7.13% $16,073
    HOMESTEAD FUNDING CORP. 1 6.13% $4,790
    Towne Mortgage of the Carolinas, LLC 1 5.75% $11,204
    TruHome Solutions, LLC 1 6.38% $8,646
    Florida Capital Bank 1 5.75% $14,648
    Uwharrie Bank 1 6.50% $9,000
    ALAMEDA MORTGAGE CORPORATION 1 7.13% $6,843
    Victorian Finance, LLC 1 7.00% $7,302
    GoPrime Mortgage, Inc. 1 6.25% $10,343
    Mortgage Assurance Inc. 1 5.75% $14,286

    The top Virginia FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 1,780 FHA loans originated. Their average total fees are $12,800, which is $2,391 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Virginia FHA lenders (with over 10 loans originated) are MORTGAGE INVESTORS GROUP, INC. ($6,894), CAPITAL CENTER, L.L.C. ($6,994), Bank of England ($7,427), Alcova Mortgage LLC ($7,509) and AmeriHome Mortgage Company, LLC ($7,573).

    The lowest rate Virginia FHA lenders (with over 10 loans originated) are HOMEAMERICAN MORTGAGE CORPORATION (5.10%), DHI MORTGAGE COMPANY, LTD. (5.13%), EAGLE HOME MORTGAGE, LLC (5.69%), FIRST ALLIANCE HOME MORTGAGE, LLC (5.71%) and JET HOMELOANS, LLC (5.74%).

    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).