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Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Wait, what? It's true... relative home affordability improved in the third quarter of 2024 in a majority of the nation's housing markets. Was yours one of them?

Today's Virginia Mortgage Rates in the HSH Lender Showcase

Virginia Mortgages

Virginia contains metro areas designated "high-cost" by Fannie Mae, FHA, and Freddie Mac. For example, mortgage limits in Arlington are well above the limits in other parts of the country.

Are you looking for a purchase or refinance mortgage in Virginia? Mortgage lenders in the Commonwealth of Virginia are regulated by its Bureau of Financial Institutions. One unique feature of Virginia mortgage lender licenses is they do not have expiration dates and remain in effect until surrendered, suspended, or revoked. However, an annual report and current financial statements do need to be provided. You can find licensed Virginia lenders and compare their current VA mortgage rates here on HSH.com. With other research tools, such as the mortgage calculators, you can see how Virginia mortgage rates affect your monthly payment.

Virginia Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2024 Conforming loan limits for Virginia

Select County
County Name One Family Two Family Three Family Four Family
Accomack County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Albemarle County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Alexandria City One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Alleghany County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Amelia County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Amherst County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Appomattox County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Arlington County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Augusta County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bath County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bedford County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Botetourt County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Bristol City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Brunswick County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Buchanan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Buckingham County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Buena Vista City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Campbell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Caroline County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Carroll County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Charles City County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Charlotte County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Charlottesville City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Chesapeake City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Chesterfield County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Clarke County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Colonial Heights City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Covington City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Craig County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Culpeper County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Cumberland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Danville City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Dickenson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Dinwiddie County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Emporia City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Essex County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fairfax City One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Fairfax County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Falls Church City One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Fauquier County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Floyd County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fluvanna County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Franklin City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Franklin County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Frederick County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Fredericksburg City One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Galax City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Giles County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Gloucester County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Goochland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Grayson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Greene County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Greensville County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Halifax County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hampton City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hanover County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Harrisonburg City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Henrico County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Henry County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Highland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Hopewell City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Isle Of Wight County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
James City County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
King And Queen County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
King George County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
King William County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lancaster County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lee County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lexington City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Loudoun County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Louisa County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lunenburg County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Lynchburg City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Madison County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Manassas City One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Manassas Park City One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Martinsville City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mathews County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Mecklenburg County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Middlesex County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Montgomery County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Nelson County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
New Kent County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Newport News City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Norfolk City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Northampton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Northumberland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Norton City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Nottoway County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Orange County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Page County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Patrick County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Petersburg City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Pittsylvania County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Poquoson City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Portsmouth City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Powhatan County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Prince Edward County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Prince George County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Prince William County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Pulaski County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Radford City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rappahannock County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Richmond City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Richmond County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Roanoke City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Roanoke County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rockbridge County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Rockingham County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Russell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Salem City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Scott County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Shenandoah County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Smyth County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Southampton County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Spotsylvania County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Stafford County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Staunton City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Suffolk City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Surry County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Sussex County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Tazewell County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Virginia Beach City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Warren County One Family$1,149,825 Two Family$1,472,250 Three Family$1,779,525 Four Family$2,211,600
Washington County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Waynesboro City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Westmoreland County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Williamsburg City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Winchester City One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wise County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
Wythe County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400
York County One Family$766,550 Two Family$981,500 Three Family$1,186,350 Four Family$1,474,400

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Mortgage rates by loan term and type

Today's Mortgage Rates
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