Mortgage Rates in Annandale, Virginia — March 2026
Updated March 2026 | Based on Annandale market data and regional lending conditions
Annandale is a growing city in Virginia with a population of 42,722. The current 30-year fixed mortgage rate in Annandale is 6.89%, which is 0.24% above the national average. With a median home price of $319,000 and a 20% down payment of $63,800, homebuyers can expect a monthly principal and interest payment of approximately $1,679.
Current Mortgage Rates in Annandale, VA
Below are the current average mortgage rates available in the Annandale area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.34% | 6.15% | +0.19% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
Annandale Housing Market Overview
The Annandale housing market reflects moderate demand with prices near the national average. The median household income in Annandale is $70,400, and the cost of living index is 104.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $81,171 to comfortably afford the median-priced home in Annandale, which exceeds the current median household income.
Monthly Payment Breakdown for Annandale
Based on the median home price of $319,000 with 20% down ($63,800), here is what you can expect to pay monthly in Annandale:
15-Year vs. 30-Year Mortgage in Annandale
Choosing a 15-year mortgage in Annandale at 6.1% instead of a 30-year at 6.89% would save you $214,380 in total interest over the life of the loan. However, your monthly payment would be $2,167 instead of $1,679 — an increase of $488 per month.
Calculate Your Annandale Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Annandale
What are the current mortgage rates in Annandale, VA?
As of March 2026, the average 30-year fixed mortgage rate in Annandale, Virginia is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in Annandale?
Based on the median home price of $319,000 with 20% down, the estimated monthly mortgage payment in Annandale is $1,679 for principal and interest. Including property taxes of $215/month, the total monthly housing cost is approximately $1,894.
What income do I need to buy a home in Annandale?
Using the 28% rule, you would need an annual income of approximately $81,171 to afford the median-priced home in Annandale at $319,000. The median household income in Annandale is $70,400. This means most households would need to either earn above the median or consider homes below $319,000.
Is Annandale a good place to buy a home in 2026?
Annandale has a moderate cost of living with a cost of living index of 104.7 (national average = 100). The property tax rate in Virginia is 0.81%, which is near the national average. Annandale has a population of 42,722 and offers a balanced lifestyle.
Mortgage Rates in Other Virginia Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Annandale, Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.