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Compare Current Prince William, Virginia Mortgage Rates
Compare Prince William, VA mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Prince William.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Prince William. Plus, shopping lenders is free and there is no obligation.
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Prince William, VA Mortgage Rates as of July 1, 2025
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's Prince William, VA Mortgage Rates
July 1, 2025
Current mortgage rates in Prince William, VA are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Prince William, VA Rates
National Average
Comparison
30 Year Fixed Rate
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6.670%
15 Year Fixed Rate
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5.960%
5/1 Adjustable Rate Mortgage
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6.250%
How Affordable is Housing in Prince William, Virginia?
Below we provide helpful information on the real estate market, home prices and housing affordability in Prince William. Understand how much you need to earn to afford a home in Prince William, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Prince William fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Prince William is right for you.
The median home value for Prince William, VA is $510,001
Based on current mortgage rates and a 10% down payment, you need to make $106,394 per year to buy the median priced home in Prince William
With this income, you could qualify for a $459,001 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Prince William is $2,464
The median household income for Prince William, VA is $119,841
Based on this income, you can afford a home valued at approximately $574,459
The home price you can afford to buy based on household income in Prince William is 113% of the median home value which means housing prices are average.
Prince William ranks 102 out of 133 counties in Virginia and 2,633 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Prince William, VA is average
Loan Limits for Prince William, Virginia
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Prince William below.
Conforming loan limits for Prince William, VA
1 unit:$1,089,300
2 units:$1,394,775
3 units:$1,685,850
4 units:$2,095,200
FHA loan limits for Prince William, VA
1 unit:$1,089,300
2 units:$1,394,775
3 units:$1,685,850
4 units:$2,095,200
VA loan limits for Prince William, VA
1 unit:$1,089,300
Additional Mortgage Resources for Prince William, VA Residents