Virginia Mortgage Calculator

Mortgage and refinance loan payment calculator. Popular areas include Virginia Beach, Norfolk, Chesapeake and Arlington Virginia.

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Our Virginia mortgage calculator enables you to estimate your monthly mortgage payment, including the following:

  • Principal and interest
  • Taxes
  • Insurance
  • Private Mortgage Insurance (PMI)

Your monthly payment changes when updating the home price, down payment, interest rate, and loan term.

Housing affordability continues to fluctuate across Virginia. The housing trends vary in the Old Dominion, Mother of Presidents, with larger communities exhibiting higher home prices than smaller, more rural areas. Even within Virginia Beach, Norfolk, Chesapeake, the market varies among neighborhoods. Each area will have a slightly different trend such as Fairfax County, Prince William County and Virginia Beach City/County.

Amortization Calculator
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We've included the conforming loan amounts and the estimated property tax rates for each county. This is important because mortgage interest rates are significantly different for home loans above the amounts listed. Please check with your loan officer, bank, lender to verify the conforming loan amounts in your county.

County

Property tax rate

Conforming limit

Accomack County

0.55%

$548,250

Albemarle County

0.73%

$548,250

Alleghany County

0.70%

$548,250

Amelia County

0.40%

$535,900

Amherst County

0.55%

$548,250

Appomattox County

0.58%

$548,250

Arlington County

0.90%

$822,375

Augusta County

0.54%

$548,250

Bath County

0.45%

$548,250

Bedford County

0.51%

$548,250

Bland County

0.72%

$548,250

Botetourt County

0.66%

$548,250

Brunswick County

0.50%

$548,250

Buchanan County

0.48%

$548,250

Buckingham County

0.54%

$548,250

Campbell County

0.52%

$548,250

Caroline County

0.71%

$535,900

Carroll County

0.73%

$548,250

Charles City

0.63%

$535,900

Charlotte County

0.55%

$548,250

Chesterfield County

0.88%

$535,900

Clarke County

0.64%

$822,375

Craig County

0.55%

$548,250

Culpeper County

0.65%

$822,375

Cumberland County

0.67%

$535,900

Dickenson County

0.61%

$548,250

Dinwiddie County

0.71%

$535,900

Essex County

0.74%

$548,250

Fairfax County

1.03%

$822,375

Fauquier County

0.84%

$822,375

Floyd County

0.61%

$548,250

Fluvanna County

0.72%

$548,250

Franklin County

0.55%

$548,250

Frederick County

0.53%

$548,250

Giles County

0.71%

$548,250

Gloucester County

0.62%

$548,250

Goochland County

0.51%

$535,900

Grayson County

0.66%

$548,250

Greene County

0.68%

$548,250

Greensville County

0.76%

$548,250

Halifax County

0.52%

$548,250

Hanover County

0.70%

$535,900

Henrico County

0.81%

$535,900

Henry County

0.54%

$548,250

Highland County

0.49%

$548,250

Isle of Wight County

0.71%

$548,250

James City County

0.74%

$548,250

King and Queen County

0.56%

$548,250

King George County

0.54%

$548,250

King William County

0.79%

$548,250

Lancaster County

0.51%

$548,250

Lee County

0.62%

$548,250

Loudoun County

1.08%

$822,375

Louisa County

0.63%

$535,900

Lunenburg County

0.55%

$548,250

Madison County

0.66%

$822,375

Mathews County

0.62%

$548,250

Mecklenburg County

0.52%

$548,250

Middlesex County

0.53%

$548,250

Montgomery County

0.84%

$548,250

Nelson County

0.58%

$548,250

New Kent County

0.72%

$535,900

Northampton County

0.76%

$548,250

Northumberland County

0.44%

$548,250

Nottoway County

0.50%

$548,250

Orange County

0.68%

$548,250

Page County

0.73%

$548,250

Patrick County

0.59%

$548,250

Pittsylvania County

0.60%

$548,250

Powhatan County

0.75%

$535,900

Prince Edward County

0.49%

$548,250

Prince George County

0.73%

$535,900

Prince William County

1.05%

$822,375

Pulaski County

0.64%

$548,250

Rappahannock County

0.64%

$822,375

Richmond County

0.62%

$548,250

Roanoke County

0.96%

$548,250

Rockbridge County

0.65%

$548,250

Rockingham County

0.59%

$548,250

Russell County

0.62%

$548,250

Scott County

0.74%

$548,250

Shenandoah County

0.57%

$548,250

Smyth County

0.71%

$548,250

Southampton County

0.71%

$548,250

Spotsylvania County

0.67%

$822,375

Stafford County

0.81%

$822,375

Surry County

0.73%

$548,250

Sussex County

0.59%

$535,900

Tazewell County

0.67%

$548,250

Warren County

0.62%

$822,375

Washington County

0.61%

$548,250

Westmoreland County

0.58%

$548,250

Wise County

0.68%

$548,250

Wythe County

0.50%

$548,250

York County

0.71%

$548,250

Alexandria City

0.98%

$822,375

Bristol City

0.93%

$548,250

Buena Vista City

0.97%

$548,250

Charlottesville City

0.88%

$548,250

Chesapeake City

0.96%

$548,250

Colonial Heights City

1.07%

$535,900

Covington City

0.64%

$548,250

Danville City

0.71%

$548,250

Emporia City

0.68%

$548,250

Fairfax City

0.92%

$822,375

Falls Church City

1.20%

$822,375

Franklin City

0.76%

$548,250

Fredericksburg City

0.67%

$822,375

Galax City

0.73%

$548,250

Hampton City

1.08%

$548,250

Harrisonburg City

0.68%

$548,250

Hopewell City

1.02%

$548,250

Lexington City

0.96%

$548,250

Lynchburg City

0.95%

$548,250

Manassas City

1.13%

$822,375

Manassas Park City

1.27%

$822,375

Martinsville City

0.88%

$548,250

Newport News City

1.14%

$548,250

Norfolk City

1.11%

$548,250

Norton City

0.74%

$548,250

Petersburg City

1.20%

$535,900

Poquoson City

0.91%

$548,250

Portsmouth City

1.25%

$548,250

Radford City

0.66%

$548,250

Richmond City

1.01%

$535,900

Roanoke City

1.02%

$548,250

Salem City

1.04%

$548,250

Staunton City

0.87%

$548,250

Suffolk City

0.97%

$548,250

Virginia Beach City

0.88%

$548,250

Waynesboro City

0.75%

$548,250

Williamsburg City

0.57%

$548,250

Winchester City

0.82%

$548,250

County

Tax Rate

Limit

Accomack County

0.55%

$548,250

Albemarle County

0.73%

$548,250

Alleghany County

0.70%

$548,250

Amelia County

0.40%

$535,900

Amherst County

0.55%

$548,250

Appomattox County

0.58%

$548,250

Arlington County

0.90%

$822,375

Augusta County

0.54%

$548,250

Bath County

0.45%

$548,250

Bedford County

0.51%

$548,250

Bland County

0.72%

$548,250

Botetourt County

0.66%

$548,250

Brunswick County

0.50%

$548,250

Buchanan County

0.48%

$548,250

Buckingham County

0.54%

$548,250

Campbell County

0.52%

$548,250

Caroline County

0.71%

$535,900

Carroll County

0.73%

$548,250

Charles City

0.63%

$535,900

Charlotte County

0.55%

$548,250

Chesterfield County

0.88%

$535,900

Clarke County

0.64%

$822,375

Craig County

0.55%

$548,250

Culpeper County

0.65%

$822,375

Cumberland County

0.67%

$535,900

Dickenson County

0.61%

$548,250

Dinwiddie County

0.71%

$535,900

Essex County

0.74%

$548,250

Fairfax County

1.03%

$822,375

Fauquier County

0.84%

$822,375

Floyd County

0.61%

$548,250

Fluvanna County

0.72%

$548,250

Franklin County

0.55%

$548,250

Frederick County

0.53%

$548,250

Giles County

0.71%

$548,250

Gloucester County

0.62%

$548,250

Goochland County

0.51%

$535,900

Grayson County

0.66%

$548,250

Greene County

0.68%

$548,250

Greensville County

0.76%

$548,250

Halifax County

0.52%

$548,250

Hanover County

0.70%

$535,900

Henrico County

0.81%

$535,900

Henry County

0.54%

$548,250

Highland County

0.49%

$548,250

Isle of Wight County

0.71%

$548,250

James City County

0.74%

$548,250

King and Queen County

0.56%

$548,250

King George County

0.54%

$548,250

King William County

0.79%

$548,250

Lancaster County

0.51%

$548,250

Lee County

0.62%

$548,250

Loudoun County

1.08%

$822,375

Louisa County

0.63%

$535,900

Lunenburg County

0.55%

$548,250

Madison County

0.66%

$822,375

Mathews County

0.62%

$548,250

Mecklenburg County

0.52%

$548,250

Middlesex County

0.53%

$548,250

Montgomery County

0.84%

$548,250

Nelson County

0.58%

$548,250

New Kent County

0.72%

$535,900

Northampton County

0.76%

$548,250

Northumberland County

0.44%

$548,250

Nottoway County

0.50%

$548,250

Orange County

0.68%

$548,250

Page County

0.73%

$548,250

Patrick County

0.59%

$548,250

Pittsylvania County

0.60%

$548,250

Powhatan County

0.75%

$535,900

Prince Edward County

0.49%

$548,250

Prince George County

0.73%

$535,900

Prince William County

1.05%

$822,375

Pulaski County

0.64%

$548,250

Rappahannock County

0.64%

$822,375

Richmond County

0.62%

$548,250

Roanoke County

0.96%

$548,250

Rockbridge County

0.65%

$548,250

Rockingham County

0.59%

$548,250

Russell County

0.62%

$548,250

Scott County

0.74%

$548,250

Shenandoah County

0.57%

$548,250

Smyth County

0.71%

$548,250

Southampton County

0.71%

$548,250

Spotsylvania County

0.67%

$822,375

Stafford County

0.81%

$822,375

Surry County

0.73%

$548,250

Sussex County

0.59%

$535,900

Tazewell County

0.67%

$548,250

Warren County

0.62%

$822,375

Washington County

0.61%

$548,250

Westmoreland County

0.58%

$548,250

Wise County

0.68%

$548,250

Wythe County

0.50%

$548,250

York County

0.71%

$548,250

Alexandria City

0.98%

$822,375

Bristol City

0.93%

$548,250

Buena Vista City

0.97%

$548,250

Charlottesville City

0.88%

$548,250

Chesapeake City

0.96%

$548,250

Colonial Heights City

1.07%

$535,900

Covington City

0.64%

$548,250

Danville City

0.71%

$548,250

Emporia City

0.68%

$548,250

Fairfax City

0.92%

$822,375

Falls Church City

1.20%

$822,375

Franklin City

0.76%

$548,250

Fredericksburg City

0.67%

$822,375

Galax City

0.73%

$548,250

Hampton City

1.08%

$548,250

Harrisonburg City

0.68%

$548,250

Hopewell City