Check Latest Mortgage Rates for Virginia Beach in April 2026
Virginia Beach is a significant urban market in Virginia, the United States, with a median home price of approximately $340,000. Below you'll find the latest estimated mortgage rates for Virginia Beach, updated daily to reflect current lending conditions. Use these rates alongside our free calculators to estimate your monthly payment, compare loan types, and plan your home purchase or refinance with confidence.
Virginia Beach Mortgage Rates
Estimated rates as of 2026-04-04
| Product | Rate | APR | Points | Monthly / $100K |
|---|---|---|---|---|
| 30-Year Fixed | 6.83% | 6.95% | 0.7 | $654 |
| 15-Year Fixed | 6.08% | 6.18% | 0.5 | $848 |
| 5/1 ARM | 6.33% | 6.48% | 0.4 | $621 |
| FHA 30-Year | 6.53% | 6.71% | 0.3 | $634 |
| VA 30-Year | 6.23% | 6.31% | 0.0 | $614 |
| Jumbo 30-Year | 7.03% | 7.13% | 0.8 | $667 |
Rates shown are estimated averages based on current market conditions and may vary by lender, credit score, loan amount, and property type. Contact a licensed mortgage professional for personalized rate quotes.
Virginia Beach Mortgage Market Overview
The Virginia Beach housing market in Virginia represents a well-established lending market in the United States. With a median home price of $340,000, buyers in Virginia Beach have access to a range of mortgage products from both national and local lenders.
Virginia Beach's housing market offers a balance of urban amenities and relatively competitive lending, with multiple banks, credit unions, and online lenders actively serving the area. Buyers typically find a healthy mix of conventional, FHA, and VA loan options at competitive rates.
When comparing mortgage rates in Virginia Beach, remember that your actual rate depends on several factors including your credit score, down payment amount, debt-to-income ratio, and the property type. Rates shown on this page reflect market-wide averages and may differ from the specific rate you're offered.
For the most accurate picture of your mortgage costs in Virginia Beach, Virginia, we recommend using our free mortgage payment calculator alongside these rates. This combination gives you a realistic understanding of both the interest rate landscape and your actual monthly payment obligation.
Frequently Asked Questions About Mortgages in Virginia Beach
Mortgage rates in Virginia Beach, Virginia are updated daily on this page. As of today, rates vary by loan type — for example, fixed-rate mortgages and adjustable-rate products will have different rates. Scroll up to our rate table for the most current figures. Remember that individual lender quotes may differ based on your credit profile and loan amount.
Mortgage rates in Virginia Beach tend to be close to the national average due to a balanced mix of local and national lenders. The rates displayed on this page reflect Virginia Beach-specific market conditions. For the most competitive rate, we recommend comparing offers from at least 3-5 lenders.
Most lenders in Virginia Beach require a minimum credit score of 620 for conventional loans, though you'll get the best rates with a score of 740 or higher. FHA loans may be available with scores as low as 580. Given the median home price of $340,000 in Virginia Beach, maintaining a strong credit score can save you tens of thousands of USD over the life of your loan through a lower interest rate.
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Use current Virginia Beach rates with our free mortgage calculator to see your exact monthly payment, interest costs, and amortization schedule.