Charlottesville Mortgage Rates & Home Loans
Freedomstar Financial offers competitive mortgage rates on conventional, FHA, VA, and jumbo home loans in Charlottesville, Virginia (License #MLO-44472VA). The Charlottesville area uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming or FHA loans.
Charlottesville pairs the University of Virginia with a scenic Central Virginia setting, drawing academics, professionals, and relocating families. Conventional financing dominates, with steady move-up and first-time buyer demand.
Today's Charlottesville Mortgage Rates
Live best-execution Virginia rates from our lender network — as of July 30, 2026 at 1:22 PM PDT.
VA 30-Yr Fixed
5.625%
APR 5.795%
Conventional 30-Yr Fixed
6.000%
APR 6.113%
High-Balance 30-Yr Fixed
6.250%
APR 6.332%
FHA 30-Yr Fixed
5.625%
APR 5.779%
Rates subject to change. See Rate Assumptions.
Charlottesville Home Loan Facts
Median Home Price
~$450,000
Curated Charlottesville estimate.
2026 Conforming Limit
$832,750
City of Charlottesville baseline reference.
County
City of Charlottesville
Loan limits are set at the county level.
Loan Limits & Market
The Charlottesville area uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home, so most purchases are standard conforming or FHA loans.
From downtown and the UVA area to Albemarle County’s surrounding communities, Charlottesville combines strong demand with limited supply. Conventional loans lead, with Virginia Housing assistance in regular use among first-time buyers.
Charlottesville Highlights
- Baseline conforming limit of $832,750 (2026)
- University of Virginia-driven economy
- Virginia Housing assistance widely used
- Conventional, FHA, and VA options supported
Property Taxes in Virginia
Virginia property tax is assessed and collected locally, so effective rates vary by city and county. Some localities offer relief for disabled veterans and seniors.
Market facts last updated July 21, 2026.
First-Time Buyer Programs in Virginia
Virginia Housing Down Payment Assistance
Grant toward down payment for eligible first-time buyers.
Virginia Housing Loan Combo
Affordable first mortgage paired with down payment and closing-cost assistance.
Program availability and terms are set by the administering agency and subject to change. Contact us to confirm current eligibility.
Licensed to Lend in Charlottesville, Virginia
Your Charlottesville loans are handled by Ivan Hendren, NMLS #152318. Freedomstar Financial holds an active Virginia mortgage license (#MLO-44472VA). See our full licensing & disclosures for details.
Meet Ivan HendrenCharlottesville Mortgage FAQ
What is the conforming loan limit in Charlottesville for 2026?
The Charlottesville area uses the 2026 baseline conforming loan limit of $832,750 for a one-unit home. Amounts above that are financed as jumbo loans.
What assistance is available for Charlottesville first-time buyers?
First-time buyers in Charlottesville frequently use Virginia Housing programs, which pair an affordable first mortgage with down payment and closing-cost assistance for eligible borrowers.
Other Virginia Markets
All of VirginiaVirginia Beach
Median ~$375,000
Hampton Roads market with exceptionally strong VA loan demand.
Richmond
Median ~$360,000
Capital-region market with steady conventional and FHA activity.
Northern Virginia
Median ~$700,000
High-cost D.C.-adjacent market where high-balance loans are common.
Norfolk
Median ~$320,000
Hampton Roads Navy hub with among the highest VA loan volumes in the country.
Newport News
Median ~$300,000
Peninsula shipbuilding and military market with heavy VA loan use.
Roanoke
Median ~$275,000
Affordable Southwest Virginia market with strong first-time buyer demand.
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