VA mortgage rates

Prince William County

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

Prince William 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 Prince William 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 Prince William

A local view of the market.

The real estate market in Prince William County, Virginia, is currently a seller's market, with home prices experiencing a notable increase. As of October 2024, the median home sold price reached $554,914, marking a 7.6% rise from the previous year. The median price per square foot was reported at $244, reflecting the county's competitive housing market. Prince William County encompasses several prominent cities, including Woodbridge, Manassas, and Gainesville. Woodbridge is known for its vibrant community and proximity to Washington, D.C., while Manassas offers a blend of historical charm and modern amenities. Gainesville is rapidly growing, attracting families and young professionals alike. These cities contribute significantly to the county's diverse population and economic landscape. Living in Prince William County offers a mix of suburban and rural experiences, catering to a variety of lifestyles. The county is characterized by its suburban developments and agricultural areas, providing residents with both modern conveniences and scenic landscapes. Key industries include government services, retail, and healthcare, which drive local employment. The county attracts new residents due to its strategic location near the nation's capital, offering a balance of suburban tranquility and urban accessibility.

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 Prince William County

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

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