Mortgage Calculator for Virginia
Pre-filled with Virginia's average home price of $385000, property tax rate of 0.75%, and average insurance of $1600/year. Adjust any value below.
1 Loan Details
2 Monthly Costs (Virginia averages pre-filled)
Include PMI
Required when down payment < 20%
Estimated Monthly Payment
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Enter your loan details to see your payment
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Total Interest Paid
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Over loan lifetime
Total Cost
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Principal + interest
Loan Amount
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Amount financed
Down Payment
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Of home price
Monthly Payment Breakdown
Balance Over Time
Rate Comparison
How your payment changes with different interest rates
| Rate Scenario | Monthly P&I | Total Interest |
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| Enter loan details above to see rate scenarios | ||
Amortization Schedule
Full month-by-month payment breakdown
| Month | Year | Payment | Principal | Interest | Balance |
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Virginia Housing Market
Northern Virginia (Arlington, Alexandria, Fairfax) commands some of the highest prices in the state due to proximity to DC and federal employment. Central and Southwest Virginia offer significantly more affordable housing options.
Affordability in Virginia
Virginia's housing market is bifurcated: Northern Virginia competes with DC suburbs at $600,000+ medians, while Richmond and coastal markets offer homes in the $300,000–$400,000 range — well within reach for median-income households.
Key Markets
Mortgage Calculator by State
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