VA mortgage rates

Fairfax County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Fairfax 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 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 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

A local view of the market.

Fairfax County, Virginia, is a vibrant real estate market with a median home value of approximately $737,540, reflecting a 5.5% increase over the past year. Homes in the area typically go pending in about seven days, indicating a competitive market. This growth is indicative of the county's desirability and economic vitality. The county is home to several prominent cities, including Centreville, Reston, McLean, and Burke. Centreville has a population of around 72,938, while Reston follows with approximately 62,995 residents. McLean and Burke have populations of about 49,832 and 44,757, respectively. These cities contribute significantly to the county's overall population and economic landscape. Fairfax County offers a mix of suburban and urban living, with some rural pockets. It is part of the Northern Virginia region and forms part of the suburban ring of Washington, D.C.. The county's economy is robust, driven by industries such as technology, government contracting, and education. Migration patterns show that people are attracted to Fairfax County for its strong job market, excellent public schools, and quality of life.

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
Featured communitiesHerndon · FairfaxFrom the county record
Data year2026Aligned with this limit record
HerndonFairfax
Top cities & communities

Communities to explore.

HerndonFairfax
Questions & Answers

Refinancing in Fairfax County

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

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