Arlington VA Mortgage Rates Today: 6.48% 30-Year & Tax

Arlington mortgage rates today: 6.48% 30-year, 5.79% 15-year

In Arlington, VA, a $580,000 loan at 6.48% for 30 years is about $3,658 per month for principal and interest. Estimated local property tax adds about $636 per month, so the before-insurance total shown here is roughly $4,294 per month.

$580,000 at 6.48% for 30 years is about $3,658 per month for principal and interest before property tax, homeowners insurance, HOA dues, PMI, points, or lender fees. Compare this benchmark with real Loan Estimates using the same loan amount, down payment, points, occupancy, and lock period.

Arlington mortgage quote checklist

The useful Arlington comparison is the full loan estimate, not only the advertised rate. At the local input of $725,000, this page models a $580,000 loan, $145,000 down payment, about $636 in monthly property tax, and an income target near $184,029 under a 28% housing-cost rule. That is about $63,779 above the local median household income input, so down payment, assistance, seller credits, and debt-to-income are central to the decision.

Arlington loan scenarios: 30-year, 15-year, FHA and 10% down

The same $725,000 home in Arlington, VA can produce very different payments depending on loan type, down payment, and mortgage insurance. Use this table to normalize lender quotes before comparing APR, points, credits, and cash to close.

In Arlington, estimated property tax adds about $636 per month before homeowners insurance, HOA dues, flood coverage, condo dues, PMI/MIP, points, and lender-specific fees. Compare full PITI and cash to close, not only the advertised rate.

Arlington VA Mortgage Rates Quick Answer

For the query "Arlington VA mortgage rates", the useful answer is the current 30-year fixed benchmark, the 15-year benchmark, and the full Arlington County payment picture. Use the benchmark as a planning input, then let same-day Loan Estimates decide APR, points, condo dues, tax escrow, and cash to close.

• Search intent match: Arlington VA mortgage rates, Arlington home loans, 30-year fixed, 15-year fixed, FHA, VA, jumbo, refinance, and Northern Virginia payment math.
• Current payment frame: a $725,000 Arlington home with 20% down creates a $580,000 loan; at the current 30-year benchmark, principal and interest is about $3,670 per month before tax and insurance.
• Local edge: Arlington County moved from a $1.033 FY2026 rate checkpoint to a $1.053 FY2027 adopted budget rate per $100 of assessed value, so tax escrow can change the real payment more than a small rate difference.
• Best next check: compare Loan Estimates using the same credit score, loan amount, down payment, points, lock period, occupancy, and condo/HOA assumptions.

Arlington VA Mortgage Rate Snapshot

The Arlington benchmark on this page uses Freddie Mac PMMS for the fixed-rate rows, not an unaudited local lender teaser rate. At a $725,000 home price with 20% down, the estimated 30-year principal and interest payment is $3,658. Using Arlington County's latest adopted forward-looking real estate tax-rate checkpoint of $1.053 per $100 of assessed value, estimated property tax adds about $636 per month before insurance, HOA dues, condo fees, PMI, or other escrow items.

Source checkpoint, May 24, 2026: Arlington's FY2026 adopted budget showed $1.033 per $100 unchanged from FY2025. The County Board later adopted the FY2027 budget on April 22, 2026 and changed the rate from $1.033 to $1.053 per $100; Arlington says the new fiscal year begins July 1, 2026. That is why this page treats $1.053 as the current planning stress-test rate while still telling buyers to verify the parcel tax bill and escrow quote.

Arlington / Northern Virginia Mortgage Shopping Notes

Arlington sits inside the Washington, DC employment market, so the useful comparison is not only the headline rate. Buyers should compare the 30-year benchmark, Arlington County taxes, condo or HOA costs, loan-limit category, insurance, and cash-to-close together.

• Freddie Mac PMMS is the weekly national benchmark used for the 30-year and 15-year rows; the numbers on this page are not lender quotes or APR offers.
• Arlington County kept the FY 2026 real estate tax rate at $1.033 per $100 of assessed value, then adopted the FY 2027 budget on April 22, 2026 with a 2-cent increase to $1.053 per $100. This page uses $1.053 as the latest adopted forward-looking rate checkpoint for 2026 mortgage-shopping estimates.
• Arlington County reported an average 2026 residential property value of $882,900 and a 3.2% residential value increase. The $725,000 market input on this page should be checked against active listings, assessments, and condo or HOA dues.
• Northern Virginia prices can push larger loans toward jumbo underwriting, so buyers should verify the current FHFA conforming loan limit and HUD FHA county limit before assuming standard pricing.
• Arlington condo and townhome buyers should price HOA dues, condo warrantability, master insurance, reserves, parking fees, and special assessments before comparing only mortgage rates.
• First-time buyers should check Virginia Housing programs before assuming a larger cash down payment is the only path.

Calculate Your Arlington Mortgage Payment

Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.

Methodology & Mortgage Data Sources for Arlington

How we calculate Arlington mortgage rates and payments: 30-year and 15-year fixed benchmarks start with Freddie Mac Primary Mortgage Market Survey (PMMS) data. Other product rows are informational benchmarks, not lender quotes. Local variation in Arlington reflects county loan-limit context, state-level closing-cost assumptions, and the payment inputs shown on this page.

1. Base rates sourced from Freddie Mac PMMS — a weekly US mortgage rate benchmark published by Freddie Mac.
2. Local context for Arlington reflects Virginia housing inputs, FHFA conforming loan limits, FHA county limits where relevant, and regional closing-cost assumptions.
3. Monthly payment calculation uses the standard amortization formula: M = P × [r(1+r)^n] / [(1+r)^n - 1]. Property tax estimates use Virginia effective property tax rate; PMI applies to LTV >80% per Fannie Mae guidelines.
4. Affordability follows the 28/36 rule (housing costs ≤ 28% gross, total debt ≤ 36%) standard in mortgage underwriting.

Authoritative data sources:

• Freddie Mac Primary Mortgage Market Survey archive — weekly US mortgage rate benchmark
• FRED — 30-Year Fixed Rate Mortgage — Federal Reserve historical rate data
• FHFA Conforming Loan Limits — county-level conforming/jumbo cutoffs
• HUD FHA Mortgage Limits — county FHA forward loan limit lookup
• CFPB Rate Explorer — consumer mortgage rate-shopping tool
• U.S. Census — Arlington QuickFacts — local population and income estimates

Disclaimer: Rate quotes shown are based on weekly published averages and are for informational use only — they are not loan offers. Your actual rate depends on credit score, loan-to-value, debt-to-income ratio, occupancy, and lender-specific factors. Get personalized quotes from at least 3 licensed lenders before committing. Use the CFPB Rate Explorer to compare offers.

Last updated from Freddie Mac PMMS data on June 4, 2026. Source reviewed May 29, 2026 against public mortgage, housing, and consumer-protection data before publication.

First-Time Buyer Assistance & Local Programs in Arlington

Beyond conventional 30-year fixed rates, Arlington buyers may qualify for low-down-payment programs, down-payment assistance (DPA), or tax-credit programs. Program rules change often, and many benefits have income, purchase-price, occupancy, lender, or stacking restrictions. Verify the current rules before assuming eligibility:

Program note: Virginia HFA benefits can be valuable, but the lowest advertised rate is not always the cheapest total loan once points, mortgage insurance, assistance repayment rules, and closing costs are included. Compare full Loan Estimates.

What are the current mortgage rates in Arlington, VA?

As of June 4, 2026, the 30-year fixed benchmark shown for Arlington, Virginia is 6.48%, while the 15-year fixed benchmark is 5.79%. FHA, VA, ARM, and jumbo rows are informational benchmarks. Your actual APR depends on lender pricing, credit score, points, loan amount, down payment, occupancy, and fees.

How much is a monthly mortgage payment in Arlington?

Based on the median home price of $725,000 with 20% down, the estimated monthly mortgage payment in Arlington is $3,658 for principal and interest. Including estimated property taxes of $636/month, the total monthly housing cost before insurance, HOA, PMI/MIP, and local assessments is approximately $4,294.

What income do I need to buy a home in Arlington?

Using the 28% rule, you would need an annual income of approximately $184,029 to afford the median-priced home in Arlington at $725,000. The median household income in Arlington is $120,250. This means most households would need to either earn above the median or consider homes below $725,000.

Is Arlington a good place to buy a home in 2026?

Arlington has a higher cost of living than average with a cost of living index of 145.5 (national average = 100). The property tax rate in Virginia is 1.053%, which is near the national average. Arlington has a population of 238,643 and offers a balanced lifestyle.

Are Arlington VA mortgage rates the same as Washington DC rates?

Not exactly. Lenders price the borrower, loan amount, property type, points, occupancy, and lock period, so an Arlington quote can differ from a Washington DC quote even when both are in the same metro area. Use the benchmark here for payment math, then compare personalized Loan Estimates from lenders licensed in Virginia.

How do Arlington County property taxes affect the mortgage payment?

Arlington County property tax can materially change the escrow payment because local home values are high. The FY 2026 adopted rate was $1.033 per $100 of assessed value; the County Board later adopted a FY 2027 budget changing the rate to $1.053 per $100. This page uses $1.053 as the latest adopted forward-looking tax checkpoint, but buyers should verify the specific assessment, exemptions, condo fees, and lender escrow rules before closing.

Does an Arlington home purchase become a jumbo loan?

It depends on the loan amount after down payment and the current county loan limit. Because Arlington prices are high, buyers should compare the planned loan amount against the FHFA conforming limit and ask lenders whether pricing, reserves, or underwriting changes if the loan is above the conforming cutoff.

Which buyer programs should Arlington VA shoppers check?

Arlington buyers should review Virginia Housing homebuyer programs, HUD-approved counseling, VA loan eligibility for qualified service members or veterans, and local closing-cost assumptions. Program availability can depend on income, purchase price, loan type, lender participation, and whether assistance can be layered with other benefits.

Sources & Methodology

• 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), with payment math updated from the latest published benchmark.
• Median home price: $725,000 based on current housing-market inputs for Arlington; compare against active listings before making an offer.
• Property tax rate: 1.053% effective estimate; Arlington buyers should verify the official county real estate tax rate, assessed value, exemptions, condo or HOA escrows, and any local fees with Arlington County and the lender.
• Median household income: $120,250 per US Census Bureau ACS 5-year estimate.
• Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).