Mortgage Rates in Chantilly, Virginia — March 2026
Updated March 2026 | Based on Chantilly market data and regional lending conditions
Chantilly is a growing city in Virginia with a population of 23,039. The current 30-year fixed mortgage rate in Chantilly is 6.68%, which is 0.03% above the national average. With a median home price of $328,000 and a 20% down payment of $65,600, homebuyers can expect a monthly principal and interest payment of approximately $1,690.
Current Mortgage Rates in Chantilly, VA
Below are the current average mortgage rates available in the Chantilly area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.68% | 6.65% | +0.03% |
| 15-Year Fixed | 5.93% | 5.89% | +0.04% |
| 5/1 ARM | 6.21% | 6.15% | +0.06% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.93% | 6.85% | +0.08% |
Chantilly Housing Market Overview
The Chantilly housing market reflects moderate demand with prices near the national average. The median household income in Chantilly is $72,700, and the cost of living index is 93.3 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $81,814 to comfortably afford the median-priced home in Chantilly, which exceeds the current median household income.
Monthly Payment Breakdown for Chantilly
Based on the median home price of $328,000 with 20% down ($65,600), here is what you can expect to pay monthly in Chantilly:
15-Year vs. 30-Year Mortgage in Chantilly
Choosing a 15-year mortgage in Chantilly at 5.93% instead of a 30-year at 6.68% would save you $211,680 in total interest over the life of the loan. However, your monthly payment would be $2,204 instead of $1,690 — an increase of $514 per month.
Calculate Your Chantilly Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Chantilly
What are the current mortgage rates in Chantilly, VA?
As of March 2026, the average 30-year fixed mortgage rate in Chantilly, Virginia is 6.68%, while the 15-year fixed rate is 5.93%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.03% above the national average of 6.65%.
How much is a monthly mortgage payment in Chantilly?
Based on the median home price of $328,000 with 20% down, the estimated monthly mortgage payment in Chantilly is $1,690 for principal and interest. Including property taxes of $219/month, the total monthly housing cost is approximately $1,909.
What income do I need to buy a home in Chantilly?
Using the 28% rule, you would need an annual income of approximately $81,814 to afford the median-priced home in Chantilly at $328,000. The median household income in Chantilly is $72,700. This means most households would need to either earn above the median or consider homes below $328,000.
Is Chantilly a good place to buy a home in 2026?
Chantilly offers a below-average cost of living with a cost of living index of 93.3 (national average = 100). The property tax rate in Virginia is 0.8%, which is below the national average. Chantilly has a population of 23,039 and offers a very affordable lifestyle.
Mortgage Rates in Other Virginia Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Chantilly, Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.