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Mortgage Calculator &
Closing Costs: Alexandria, VA

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Alexandria, Virginia.

Median Home Price
$650K
Population
159K
Avg Monthly Rent
$2,350
Property Tax Rate
0.82%
Alexandria vs Virginia Median
The median home price in Alexandria is $650,000, which is 63% above the Virginia state median of $400,000.

Mortgage Calculator — Alexandria, VA

Pre-filled with Alexandria median home price and Virginia tax/insurance rates. Adjust for your property.

$
$130,000
%
%
years
VA avg
%
$
Monthly Payment (PITI)
$3,873
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$3,287
per month
Taxes & Insurance
$586
per month
Total Interest Paid
$663K
over 30 years
Total Loan Cost
$1.2M
all payments
Payment Breakdown
Loan Amount$520,000
Principal & Interest$3,287
Property Taxes$444
Homeowners Insurance$142
Total Monthly PITI$3,873

Closing Costs — Alexandria, VA

Estimated closing costs based on Virginia rates and fees applied to Alexandria prices.

$
%
Virginia: Avg closing costs 1.5% of price. Transfer tax: 0.25%.
Estimated Closing Costs
$17,641
2.7% of purchase price
Lender Fees
$5,105
origination, underwriting
Third-Party
$4,700
appraisal, title, inspection
Government Fees
$1,625
transfer taxes, recording
Prepaids + Escrow
$6,211
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$4,680
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$3,550
Recording Fee$150
Transfer Tax$1,625
Prepaid Taxes (3 mo)$1,332
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$1,563
Escrow Reserves$1,616
Total Closing Costs$17,641

Buying a Home in Alexandria, Virginia

The median home price in Alexandria is $650,000, 63% above the Virginia state median of $400,000. With a population of 159,467, Alexandria is a mid-size city where home prices reflect strong demand and local economic factors.

Property taxes in Virginia average 0.82% annually. This moderate property tax rate means a $650,000 home in Alexandria would carry roughly $444/month in property taxes. Homeowners insurance in Virginia runs approximately $1,700 per year. This is within the normal range nationally.

Average rent in Alexandria is $2,350/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Alexandria is a higher-cost market. At $650K median, buyers need significant savings or strong income. Down payment assistance through Virginia's Virginia Housing DPA Grant program becomes especially important.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Alexandria.
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