Mortgage Rates in Middleburg, Virginia — March 2026
Updated March 2026 | Based on Middleburg market data and regional lending conditions
Middleburg is a smaller Virginia community of 33,219 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.88% (0.23% above the national average). At a median home price of $310,000, the estimated $1,829/month payment (with 20% down) is affordable on the local median income of $89,500.
Current Mortgage Rates in Middleburg, VA
Below are the current average mortgage rates available in the Middleburg 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 | 6.88% | 6.65% | +0.23% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.13% | 6.85% | +0.28% |
Middleburg Housing Market Overview
Housing in Middleburg sits near the national average at $310,000. With a median household income of $89,500 and a cost of living index of 93.2, most local earners can qualify for a mortgage on a median-priced home.
Monthly Payment Breakdown for Middleburg
Based on the median home price of $310,000 with 20% down ($62,000), here is what you can expect to pay monthly in Middleburg:
15-Year vs. 30-Year Mortgage in Middleburg
Choosing a 15-year mortgage in Middleburg at 6.1% instead of a 30-year at 6.88% would save you $207,720 in total interest over the life of the loan. However, your monthly payment would be $2,106 instead of $1,630 — an increase of $476 per month.
Calculate Your Middleburg 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 Middleburg
What are the current mortgage rates in Middleburg, VA?
As of March 2026, the average 30-year fixed mortgage rate in Middleburg, Virginia is 6.88%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.23% above the national average of 6.65%.
How much is a monthly mortgage payment in Middleburg?
Based on the median home price of $310,000 with 20% down, the estimated monthly mortgage payment in Middleburg is $1,630 for principal and interest. Including property taxes of $199/month, the total monthly housing cost is approximately $1,829.
What income do I need to buy a home in Middleburg?
Using the 28% rule, you would need an annual income of approximately $78,386 to afford the median-priced home in Middleburg at $310,000. The median household income in Middleburg is $89,500. The median income is currently sufficient to meet this threshold.
Is Middleburg a good place to buy a home in 2026?
Middleburg offers a below-average cost of living with a cost of living index of 93.2 (national average = 100). The property tax rate in Virginia is 0.77%, which is below the national average. Middleburg has a population of 33,219 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 Middleburg, Virginia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.