Virginia Mortgage Rates
Current Virginia mortgage rates—updated regularly. Review changes in fixed and adjustable rates for conventional, FHA, and VA mortgages in Virginia.
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Here are the current mortgage rates in the state of Virginia, covering conventional, FHA, and VA home loans as well as fixed and variable rates. Compare them to current national rates and historical interest rates for Virginia and the United States as a whole.
Current Mortgage Rates in Virginia
| Mortgage Type | Avg. VA Rate | National Rate |
| 30-Year Fixed | 4.29% | 3.60% |
| 15-Year Fixed | 3.42% | 3.05% |
| 30-Year 5/1 ARM | 3.84% | 3.36% |
| 30-Year 3/1 ARM | 4.00% | – |
| 30-Year 7/1 ARM | 3.88% | – |
| 30-Year 10/1 ARM | 4.02% | – |
Last update: 2/6/2020
Source: Consumer Financial Protection Bureau, Federal Reserve Bank of St. Louis Advertisement
Non-Conventional Mortgage Rates in Virginia
| Mortgage Type | Avg. VA Rate | +/- |
| FHA 30-Year Fixed | 3.87% | +.15 |
| FHA 15-Year Fixed | 3.83% | +.08 |
| VA 30-Year Fixed | 3.85% | +.15 |
| VA 15-Year Fixed | 3.80% | +.04 |
Last update: 2/6/2020
Source: Consumer Financial Protection Bureau
Historical Mortgage Rate Trends in Virginia
Source: Federal Housing Finance Agency Monthly Interest Rate Survey
Note: Adjustable mortgage rates excluded due to insufficient data.
Historical Mortgage Rate Trends in the U.S.
Source: Freddie Mac
Other Helpful Mortgage Resources
- Best Mortgage Rates
- Best Mortgage Lenders
- 30-Year Mortgage Rates
- 15-Year Mortgage Rates
- 10-Year Mortgage Rates
- Best 5/1 ARM Rates
- Best 7/1 ARM Rates
- Jumbo Mortgage Rates
- VA Mortgage Rates
- FHA Mortgage Rates
Additionally, if you are looking for a home for the first time, check out our guide on first-time home buyer programs in Virginia.