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Mortgage Calculator &
Closing Costs: Arlington, VA

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

Median Home Price
$725K
Population
239K
Avg Monthly Rent
$2,550
Property Tax Rate
0.82%
Arlington vs Virginia Median
The median home price in Arlington is $725,000, which is 81% above the Virginia state median of $400,000.

Mortgage Calculator — Arlington, VA

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

$
$145,000
%
%
years
VA avg
%
$
Monthly Payment (PITI)
$4,303
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$3,666
per month
Taxes & Insurance
$637
per month
Total Interest Paid
$740K
over 30 years
Total Loan Cost
$1.3M
all payments
Payment Breakdown
Loan Amount$580,000
Principal & Interest$3,666
Property Taxes$495
Homeowners Insurance$142
Total Monthly PITI$4,303

Closing Costs — Arlington, VA

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

$
%
Virginia: Avg closing costs 1.5% of price. Transfer tax: 0.25%.
Estimated Closing Costs
$19,231
2.7% of purchase price
Lender Fees
$5,645
origination, underwriting
Third-Party
$5,075
appraisal, title, inspection
Government Fees
$1,813
transfer taxes, recording
Prepaids + Escrow
$6,699
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$5,220
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$3,925
Recording Fee$150
Transfer Tax$1,813
Prepaid Taxes (3 mo)$1,486
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$1,743
Escrow Reserves$1,770
Total Closing Costs$19,231

Buying a Home in Arlington, Virginia

The median home price in Arlington is $725,000, 81% above the Virginia state median of $400,000. With a population of 238,643, Arlington 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 $725,000 home in Arlington would carry roughly $495/month in property taxes. Homeowners insurance in Virginia runs approximately $1,700 per year. This is within the normal range nationally.

Average rent in Arlington is $2,550/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.

Arlington is a higher-cost market. At $725K 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 Arlington.
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