Mortgage calculator for Northern VirginiaYour county’s tax rate, typical HOA and condo fees, PMI and flood insurance, at today’s rate
Type the price, pick the county and the home. See the monthly payment, every line, and the cash to close.
A house: the payment, line by line· Broadlands, Loudoun County
Numbers: county tax pages, FEMA and Ahmed’s MLS exports, October 30, 2026. Pictures: artist’s renderings of real places.
The calculator
Your monthly payment, line by line.
Most homes Ahmed’s buyers look at here: $800,000 to $2,000,000.
Past $1,249,125 borrowed, a conventional loan becomes a jumbo loan.13
Starts at today’s national average for a 30-year fixed loan. Type your loan officer’s rate to replace it.
Not sure? Look up the address on the flood map; it gives the zone in a few seconds.
Credit score and VA details
Changes PMI with less than 20% down, and the least FHA and jumbo loans allow down.
Only for a VA loan. The fee is added to the loan.12
Which one do I need?
Type the price; pick the county, the home type and the loan. Every line updates as you go.
Updated October 30, 2026Rate updated every business dayA 1-minute calculator, plus a 4-minute read
Quick answer
A $900,000 townhouse in Fairfax County with 20% down on a 30-year fixed loan at today’s national average (7.27%, Oct 30, 2026) comes to about $6,057/month: $4,921 principal and interest, $865 property tax, $150 insurance and the typical $120 HOA fee.1,2,3,15 With 5% down, PMI adds about $457/month until you owe 78% of the price.8,9 Use the calculator above for your price, county, home type and loan; every line says what it is and where the number comes from.
A Northern Virginia payment, in six numbers
2026
Medians from last year’s sales; tax rates for 2026.
Nine places, one house
The same $1,000,000 house in each county and city.
Payment per month, cheapest first, at the calculator’s rate: today’s national average until you type yours.
In shortSame house, same loan: $358/month apart from Loudoun to Manassas Park, from the tax rate and the HOA alone.
| Where | Property tax | Payment |
|---|---|---|
| Loudoun County | $671 | $6,421 |
| Arlington County | $878 | $6,511 |
| Prince William County | $781 | $6,518 |
| City of Fairfax | $894 | $6,527 |
| City of Alexandria | $946 | $6,579 |
| Fairfax County | $961 | $6,595 |
| City of Falls Church | $983 | $6,617 |
| City of Manassas | $1,033 | $6,667 |
| City of Manassas Park | $1,146 | $6,779 |
Every row: a $1,000,000 house, $200,000 down, the same $5,468/month at 7.27% of principal and interest and $165/month of insurance. Property tax per month on the price; HOA = the median where at least half of last year’s house sales had one, else $0. Payments are per month.2,3,15
Same house, same loan, same rate: the only thing that changes is where it sits. City of Manassas Park’s tax rate is the highest of the nine; Loudoun County’s is the lowest, though most Loudoun houses also pay an HOA, which closes part of the gap.2,3
In Loudoun’s towns (Leesburg, Purcellville and five more) the town adds its own rate on top of the county’s. Arlington charges stormwater as a flat fee, not in the rate. The county’s assessment, not the price, sets the real bill: a new purchase often lands close to the price, and the county’s figure can come in lower or higher.2
Closer to the real number
What this calculator knows about Northern Virginia.
The lines most calculators guess at, filled in from county records, FEMA and Ahmed’s MLS exports.
In shortTaxes, HOA and condo fees, flood insurance and PMI are where a national calculator’s guess and the real payment part ways here.
Your county’s 2026 tax rate
Each county and city taxes at its own rate, from $0.805 to $1.375 per $100 a year here. On a $1,000,000 home that is $671 to $1,146 a month. The calculator uses the rate for the place you pick.2
HOA and condo fees from real sales
The typical fee for the home type and place you pick, from Ahmed’s MLS exports of last year’s sales: townhouse HOAs from about $66 to $167/month by county or city, condo fees from about $304 to $846/month.3,4
Flood insurance, optional or required
In a high-risk zone, nearly every mortgage requires it; in Zone X it is your choice. The cost is FEMA’s median policy for the county, not a guess.5,6
When PMI goes away
With less than 20% down on a conventional loan, the calculator shows the month PMI ends on its own (78% of the price), and when FHA’s premium stays for the life of the loan.9,11
This area’s loan limit
Northern Virginia is a high-cost area: you can borrow up to $1,249,125 before a loan is jumbo, against $832,750 in most of the country.13
Cash to close, with Virginia’s taxes
Down payment, title, settlement and Virginia’s recording taxes, plus first-year insurance and escrow, as one figure.17
Every line, in plain words
What you pay each month, and why.
Six words on every loan estimate.
In shortThe payment is five or six bills in one. Two of them go away with time: PMI, and on a 30-year loan the interest share.
Principal and interest
What pays down the loan and the bank’s interest. It stays the same for the whole fixed-rate loan; early on most of it is interest.
Escrow
Most lenders collect the property tax and insurance with the payment and pay the bills for you. That is why they are in the monthly figure.
PMI
Private mortgage insurance on a conventional loan with less than 20% down. It protects the lender, not you, and ends at 78% of the price.8,9
FHA mortgage insurance
1.75% upfront, added to the loan, plus a yearly premium paid monthly: 11 years with 10% or more down, otherwise for the life of the loan.10,11
VA funding fee
A one-time fee added to a VA loan, 1.25% to 3.3% of the loan; none with a VA disability rating. No monthly mortgage insurance.12
HOA or condo fee
Paid to the association, not the lender, but every month all the same. A condo fee often covers the building’s insurance, water and upkeep.4
Questions
What people ask about mortgage payments here.
How much is the mortgage on a $1,000,000 house in Northern Virginia?
With 20% down on a 30-year fixed loan at 7.27% (the national average on Oct 30, 2026), about $6,421 to $6,779 a month depending on the county or city, property tax, insurance and a typical HOA included. Principal and interest alone are about $5,468 a month.
What property tax rate does the calculator use?
The 2026 rate most homes pay in the county or city you pick: from $0.805 per $100 of assessed value a year in Loudoun County to $1.375 in the City of Manassas Park; Fairfax County is $1.1535. It uses the price as the assessed value.
Does the payment include HOA fees?
Yes. It fills in the typical fee for the home type and place from last year's sales (for example $120/month for a Fairfax County townhouse and $506/month for a condo across Northern Virginia, both medians), and you can type the home's real fee from the listing.
When does PMI go away?
On a conventional loan, the servicer must end it on the date your balance is scheduled to reach 78% of the home's original value, and you can ask in writing at 80%. FHA's premium lasts 11 years with 10% or more down and for the life of the loan with less.
Do I need flood insurance?
If the house is in a high-risk zone (A or V) and you have a mortgage from a federally regulated or insured lender, which is nearly every mortgage, yes. In Zone X it is optional; the median policy outside the high-risk zones here costs about $594 a year.
What is the loan limit in Northern Virginia?
$1,249,125 for a conforming or FHA loan on a one-unit home in 2026, because the Washington area is high-cost. Borrow more and it is a jumbo loan, which usually needs 10% to 20% down.
Is this a loan quote?
No. It is an estimate with today's national average rate and published rules. Your rate, PMI and lender fees come from your loan officer; nothing you type is saved or sent.
Your next step
Want the real numbers on a house you like?
Send me the address. I will pull the real tax assessment, the HOA or condo fee and the flood zone, and put you in touch with a loan officer for the rate. I answer in English or Arabic, with real numbers, not a pitch.
اقرأ دليل شمال فرجينيا بالعربية ←
وكيلك العقاري الموثوق في شمال فرجينيا.
Keep exploring
Your next pages.
How much house can I afford?
Start from the payment you want; get the price to search.
ToolHow much can I qualify for?
Eight loan types, today’s rules, your income and debts.
ToolClosing cost calculator
Every line a buyer pays at settlement in Virginia.
ToolRent or buy?
This payment against your rent, year by year.
MapFlood zone map
Your address’s zone, and whether flood insurance is required.
Keep reading
- ToolBuying power calculatorStart from the payment. Tax, insurance and HOA included.
- ToolHow much can I qualify for?Income, debts and cash in. The most each loan approves out: FHA, VA, conventional, DSCR and more.
- ToolClosing cost calculatorWhat a seller and a buyer pay at closing in Virginia: grantor tax, recordation tax, title and settlement.
- TaxesProperty taxesNorthern Virginia against Texas, Florida, New Jersey and more.