Loudoun County, Virginia: What It Costs to Buy a Home
The median home in Loudoun County is worth $701,000, property taxes on it run about $6,186 a year (0.88%), the FHA loan limit is $1,249,125, and closing on it means about $4,320 in transfer tax plus $2,945 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $701,000 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $6,186 a year, 0.88% of value | Property tax page → |
| FHA loan limit (1 unit) | $1,249,125 | Loan limits page → |
| Conforming loan limit (1 unit) | $1,249,125 | Loan limits page → |
| Transfer tax on the median home | $4,320 (incl. Loudoun County local recordation tax and Northern Virginia regional grantor's fees (WMATA capital fee + congestion relief fee)) | Virginia transfer tax page → |
| Title insurance on the median home | $2,695 owner's + $250 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $62 | Recording fees page → |
| Closing costs from these items | $7,327 | Closing costs page → |
| Area median income (HUD, family of 4) | $166,100; low-income limit $106,800 | Income limits page → |
Frequently asked questions
How much do homes cost in Loudoun County?
The median owner-occupied home in Loudoun County is valued at $701,000, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Loudoun County?
The median Loudoun County homeowner pays $6,186 a year in real estate taxes, about 0.88% of the median home value ($6,296 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Loudoun County?
$1,249,125 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $1,249,125, per FHFA.
What does it cost to close on a home in Loudoun County?
On the $701,000 median home: transfer tax $4,320, title insurance $2,945 for both policies, recording fees about $62, about $7,327 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Loudoun County?
HUD's FY 2026 median family income for Loudoun County (Washington-Arlington-Alexandria, DC-VA-MD HUD Metro FMR Area) is $166,100. A family of four counts as low income below $106,800 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Virginia counties
- Lancaster County $307,600
- Lee County $98,700
- Lexington city $275,300
- Louisa County $275,600
- Lunenburg County $145,500
- Lynchburg city $211,800
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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