VA mortgage rates

Fairfax City County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Fairfax City County, Virginia. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Fairfax City County

Conforming Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

FHA Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Fairfax City County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Fairfax City

A local view of the market.

The real estate market in Fairfax City, Virginia, is experiencing growth, with the median home price reaching $731,000 as of September 2024, marking an 8.1% increase from the previous year. Homes in this area typically sell within 27 days, indicating a competitive market environment. Fairfax City itself is a prominent locality within the county, with a population of approximately 24,000 residents. As a small independent city, it serves as a hub for the surrounding suburban areas, offering a blend of urban and suburban living experiences. Living in Fairfax City offers a predominantly suburban lifestyle, with a mix of residential neighborhoods and commercial areas. The county is known for its strong educational institutions and proximity to major employment centers in the Washington, D.C. metropolitan area. The top industries include technology, government, and education, attracting professionals and families seeking a balanced lifestyle. The area's appeal is further enhanced by its quality of life, making it a desirable location for those moving from more urban settings.

County snapshot

Market context.

VA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaWashington-Arlington-AlexandriaMapped market area
Area code47900CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Fairfax City County

Common questions about 2026 loan limits and refinancing opportunities in Virginia.

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