Mortgage Rates in Front Royal, Virginia — March 2026
Updated March 2026 | Based on Front Royal market data and regional lending conditions
Front Royal is a growing city in Virginia with a population of 16,115. The current 30-year fixed mortgage rate in Front Royal is 6.82%, which is 0.17% above the national average. With a median home price of $302,000 and a 20% down payment of $60,400, homebuyers can expect a monthly principal and interest payment of approximately $1,578.
Current Mortgage Rates in Front Royal, VA
Below are the current average mortgage rates available in the Front Royal 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.05% | 5.89% | +0.16% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Front Royal Housing Market Overview
The Front Royal housing market reflects moderate demand with prices near the national average. The median household income in Front Royal is $65,200, and the cost of living index is 101.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $75,814 to comfortably afford the median-priced home in Front Royal, which exceeds the current median household income.
Monthly Payment Breakdown for Front Royal
Based on the median home price of $302,000 with 20% down ($60,400), here is what you can expect to pay monthly in Front Royal:
15-Year vs. 30-Year Mortgage in Front Royal
Choosing a 15-year mortgage in Front Royal at 6.05% instead of a 30-year at 6.82% would save you $199,980 in total interest over the life of the loan. However, your monthly payment would be $2,045 instead of $1,578 — an increase of $467 per month.
Calculate Your Front Royal Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Front Royal
What are the current mortgage rates in Front Royal, VA?
As of March 2026, the average 30-year fixed mortgage rate in Front Royal, Virginia is 6.82%, while the 15-year fixed rate is 6.05%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Front Royal?
Based on the median home price of $302,000 with 20% down, the estimated monthly mortgage payment in Front Royal is $1,578 for principal and interest. Including property taxes of $191/month, the total monthly housing cost is approximately $1,769.
What income do I need to buy a home in Front Royal?
Using the 28% rule, you would need an annual income of approximately $75,814 to afford the median-priced home in Front Royal at $302,000. The median household income in Front Royal is $65,200. This means most households would need to either earn above the median or consider homes below $302,000.
Is Front Royal a good place to buy a home in 2026?
Front Royal has a moderate cost of living with a cost of living index of 101.5 (national average = 100). The property tax rate in Virginia is 0.76%, which is below the national average. Front Royal has a population of 16,115 and offers a balanced 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 Front Royal, Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.