Mortgage Rates in Ashburn, Virginia — March 2026
Updated March 2026 | Based on Ashburn market data and regional lending conditions
Ashburn is a growing city in Virginia with a population of 52,440. The current 30-year fixed mortgage rate in Ashburn is 6.84%, which is 0.19% above the national average. With a median home price of $351,000 and a 20% down payment of $70,200, homebuyers can expect a monthly principal and interest payment of approximately $1,838.
Current Mortgage Rates in Ashburn, VA
Below are the current average mortgage rates available in the Ashburn 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 | 6.84% | 6.65% | +0.19% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.09% | 6.85% | +0.24% |
Ashburn Housing Market Overview
The Ashburn housing market reflects moderate demand with prices near the national average. The median household income in Ashburn is $77,400, and the cost of living index is 105.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $89,314 to comfortably afford the median-priced home in Ashburn, which exceeds the current median household income.
Monthly Payment Breakdown for Ashburn
Based on the median home price of $351,000 with 20% down ($70,200), here is what you can expect to pay monthly in Ashburn:
15-Year vs. 30-Year Mortgage in Ashburn
Choosing a 15-year mortgage in Ashburn at 6.06% instead of a 30-year at 6.84% would save you $233,460 in total interest over the life of the loan. However, your monthly payment would be $2,379 instead of $1,838 — an increase of $541 per month.
Calculate Your Ashburn 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 Ashburn
What are the current mortgage rates in Ashburn, VA?
As of March 2026, the average 30-year fixed mortgage rate in Ashburn, Virginia is 6.84%, while the 15-year fixed rate is 6.06%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.19% above the national average of 6.65%.
How much is a monthly mortgage payment in Ashburn?
Based on the median home price of $351,000 with 20% down, the estimated monthly mortgage payment in Ashburn is $1,838 for principal and interest. Including property taxes of $246/month, the total monthly housing cost is approximately $2,084.
What income do I need to buy a home in Ashburn?
Using the 28% rule, you would need an annual income of approximately $89,314 to afford the median-priced home in Ashburn at $351,000. The median household income in Ashburn is $77,400. This means most households would need to either earn above the median or consider homes below $351,000.
Is Ashburn a good place to buy a home in 2026?
Ashburn has a moderate cost of living with a cost of living index of 105.9 (national average = 100). The property tax rate in Virginia is 0.84%, which is near the national average. Ashburn has a population of 52,440 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 Ashburn, Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.