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City · 46,026 residents · Loudoun County, Virginia

Ashburn , Virginia

In Ashburn, a typical home is worth $699,300 and typical rent is $2,455 a month. Compared with all of Loudoun County, typical household income is 15% lower, the typical home value is 6% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $699,300

    6% below the county

    82% above Virginia

    • Ashburn
    • Loudoun
    • Virginia

  • Typical rent

    $2,455a month

    3% above the county

    55% above Virginia

    • Ashburn
    • Loudoun
    • Virginia

  • Typical household income

    $154,978a year

    15% below the county

    66% above Virginia

    • Ashburn
    • Loudoun
    • Virginia

  • Households that own their home

    68%

    10 points below the county

    1 points above Virginia

    • Ashburn
    • Loudoun
    • Virginia

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$795,910
0.5% more than 12 months ago
Typical rent
$2,934 a month
about the same as 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Ashburn is in Loudoun County. The FHA loan limit ($1,249,125 for a one-unit home), the fair market rents and the help on this page are those of all of Loudoun County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ashburn apart

What this place has that others do not, from public data, most unusual first.

  1. 68% of households in Ashburn own their home, against 78% in Loudoun County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Ashburn

What homes there are in Ashburn, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Homes in Ashburn are varied: detached houses are the largest group, at 37%, against 51% in Loudoun County.

Year built

By age, homes in Ashburn look like those in Loudoun County: the typical year built is 2000.

There are fewer big homes in Ashburn than in Loudoun County: 65% have 3 bedrooms or more, against 80%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,977 a month

Loudoun County: $3,270 a month

Without a mortgage

$916 a month

Loudoun County: $955 a month

Owners with a mortgage

72%

Loudoun County: 81%

Owning costs less in Ashburn: with a mortgage, the typical cost is $2,977 a month; in Loudoun County, $3,270. Without one, $916.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The boundaries of Ashburn changed since 2015–2019, so the Census does not compare its figures from then and now. In Loudoun County, the typical home value rose 46%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAshburnLoudoun CountyVirginiaUnited States
Rental vacancy Unreliable estimate3.9%4.8%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room 2.4%2.5%2.1%3.4%
People per household 2.623.022.522.53
Drive alone 60%58%68%69%
Carpool 5%7%8%9%
Public transit 2%1%2%3%
Walk or bike 1%1%2%3%
Work from home 30%31%18%15%
Other means 2%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 2.4% of households in Ashburn live, near the figure in Loudoun County (2.5%).

Fewer people live in each home here: 2.62 on average, against 3.02 in Loudoun County.

To get to work, 60% of workers in Ashburn drive alone; in Loudoun County, 58%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Ashburn?

A typical home costs more than the typical income allows

We start with a typical home in Ashburn, worth $699,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Ashburn, which is $154,978 a year. For that payment to be 28% of income, a household would need to earn about $245,822 a year.

The calculator's FHA and conventional loan limits are those of all of Loudoun County.

Your numbers

Local data
$

Starts at the typical home value in Ashburn. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $24,476 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,736

at 7.18% · 30 years

Loan amount
$686,633
Total interest
$987,904
Paid off in
November 2056

Includes $11,809 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,616 a month

  • Tight

    $3,616 to $4,649 a month

  • Hard

    more than $4,649 a month

    Your payment · 44%

Compared with the typical household income in Ashburn ($154,978 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,736
Principal & interest$4,651
Property tax$484
Home insurance$291
FHA mortgage insurance (MIP)$309

You need at least $24,476 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Ashburn and Loudoun County

Ashburn is in Loudoun County, Virginia. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Ashburn's own numbers

Typical home value
$699,300
Typical monthly rent
$2,455
Typical yearly household income
$154,978
Households that own their home
68%
Effective property tax rate
0.83%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Loudoun County

FHA limit, one-unit home
$1,249,125
Conventional limit, one unit
$1,249,125
HUD fair market rent, 2 bedrooms
$2,438
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
0.1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Loudoun County.

Everything about Loudoun County

Buying

Buying a home in Ashburn

A typical home in Ashburn is worth $699,300: 6% below the county and 82% above Virginia. With the typical household income in Ashburn ($154,978 a year), a typical home costs 4.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Ashburn 4.5 years
  • Loudoun 4.1 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Loudoun County

According to FHFA’s house price index, home prices in Loudoun County rose 76% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Loudoun County.

Period County Virginia U.S.
Last year (2025) +4.3% +3.7% +2.9%
5 years (2020–2025) +49% +49% +47%
10 years (2015–2025) +76% +75% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Ashburn next to Loudoun County, Virginia and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Ashburn $699,300
  • Loudoun $743,800
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Ashburn $2,455
  • Loudoun $2,386
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Ashburn $154,978
  • Loudoun $181,765
  • Virginia $93,170
  • United States $80,734
See the full table
Ashburn next to Loudoun County and Virginia
Measure Ashburn Loudoun County Virginia U.S.
Typical home value $699,300 $743,800 $383,700 $332,700
Typical monthly rent $2,455 $2,386 $1,579 $1,413
Typical yearly household income $154,978 $181,765 $93,170 $80,734
Households that own their home 68% 78% 67% 65%
Typical yearly property tax $5,836 $6,325 $2,790 $3,119
Effective property tax rate 0.83% 0.85% 0.73% 0.94%
Renters with high rent for their income 50% 44% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Loudoun County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Ashburn

For a typical $699,300 home in Ashburn, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ashburn's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,736a month

    Least cash to close
    Down payment
    $24,476
    Cash to close
    $45,455
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $309

  • Conventional, 5% down $5,608a month

    Down payment
    $34,965
    Cash to close
    $55,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $332

  • Conventional, 20% down, no PMI $4,565a month

    Down payment
    $139,860
    Cash to close
    $160,839
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,211a month

    Down payment
    $104,895
    Cash to close
    $125,874
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Ashburn and for Loudoun County.

Property tax

Effective rate in Ashburn

0.83%of the home’s value each year

$5,836 a year for the typical owner in Ashburn.

  • Ashburn 0.83%
  • Loudoun 0.85%
  • Virginia 0.73%

What Virginia publishes Local exemption or deferral for people 65 and older or with disabilities (Virginia General Assembly (Code of Virginia))

Exemptions and deadlines in Virginia

Flood risk in Loudoun County

FEMA does not publish these numbers by city: they are for all of Loudoun County.

Homes in the high-risk zone
0.1%
70
Of those, with NFIP insurance
91%
County Virginia U.S.
Homes in the high-risk zone 0.1% 1.5% 3.5%
Of those, with NFIP insurance 91% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ashburn

Typical rent in Ashburn is $2,455 a month: 3% above the county. In Ashburn, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Loudoun County, by unit size. To pay the 2-bedroom one ($2,438 a month) without spending more than 30% of your income, you would need to earn $46.88 an hour working full time.

HUD fair market rent for all of Loudoun County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $2,111 $40.60 $84,440
1 bedroom $2,204 $42.38 $88,160
2 bedrooms $2,438 $46.88 $97,520
3 bedrooms $3,107 $59.75 $124,280
4 bedrooms $3,658 $70.35 $146,320

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Ashburn

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ashburn is in ZIP code 20147.

For 2 bedrooms it is $2,820: $382 more than the fair market rent for Loudoun County ($2,438).

  • 20147 $2,820$3,590

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ashburn when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Ashburn

HUD lists 8 buildings with rents for lower incomes in Ashburn. These are the largest.

  • Ashburn Meadows I 44386 Tillman Ter, Ashburn 20147 176 low-income homes · 2 bd: 144 · 3 bd: 32 · In service since 2000 · For families
  • Grove at Flynn's Crossing 21892 Blossom Hill Ter, Ashburn 20147 168 low-income homes · 1 bd: 24 · 2 bd: 126 · 3 bd: 18 · In service since 2000 · For families
  • Ashburn Meadows II 44411 Whitford Sq, Ashburn 20147 160 low-income homes · 2 bd: 130 · 3 bd: 30 · In service since 2002 · For families
  • Wingler House I 20900 Runnymeade Ter, Ashburn 20147 132 low-income homes · In service since 1998 · For older adults
  • Wingler House II 20903 Runnymeade Ter, Ashburn 20147 132 low-income homes · 1 bd: 92 · 2 bd: 40 · In service since 2004 · For older adults

See all 27 buildings in Loudoun County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ashburn

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Loudoun County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Ashburn

No down payment, repair or rent-help program on our list is for Ashburn or Loudoun County. The ones below are statewide in Virginia: they work in Ashburn the same as in the rest of the state.

Which programs do I qualify for? All programs in Virginia

  • Down Payment Assistance Grant

    Statewide in Virginia

    Virginia state agency down payment grant that you do not repay; for first-time buyers, or any buyer in economic opportunity zones, with a Virginia Housing mortgage. Offered by Virginia Housing (Virginia Housing Development Authority).

    Grant

    See the program Official page

  • Virginia Housing Plus Second Mortgage

    Statewide in Virginia

    Virginia Housing 30-year fixed-rate second mortgage of up to 5% of the price for the down payment (and part of the closing costs with a credit score of 680 or higher); for first-time buyers and for people who have owned a home before. Offered by Virginia Housing (Virginia Housing Development Authority).

    Type not stated

    See the program Official page

  • Closing Cost Assistance Grant

    Statewide in Virginia

    Virginia Housing grant that you do not repay, of up to 2% of the price, for the closing costs of buyers with a Virginia Housing RD (Rural Development) or VA loan. Offered by Virginia Housing (Virginia Housing Development Authority).

    Grant

    See the program Official page

Housing counselors near Ashburn

The HUD-approved agencies closest to the center of Ashburn, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Cornerstones, Inc.

    11150 Sunset Hills Rd Ste 210, Reston · 9 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (571) 323-9555

  • Prince William County Virginia Cooperative Extension

    8033 Ashton Ave Ste 105, Manassas · 17 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (703) 792-6287

  • Korean Community Service Center of Greater Washington

    7700 Little River Tpke Ste 406, Annandale · 19 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (703) 354-6345

All counseling agencies in Virginia

Help in Spanish near Ashburn

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Ashburn

HUD’s record names them for Ashburn or Loudoun County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Virginia Source: HUD

Cities

Other cities in Loudoun County

These cities are also in Loudoun County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Loudoun County Housing in Virginia
See 4 more cities in Loudoun County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Ashburn, with the typical home value.

Neighboring counties

If Loudoun County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Ashburn.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Ashburn

Short answers with the numbers for Ashburn and all of Loudoun County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Ashburn?

The typical home value in Ashburn is $699,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Loudoun County it is $743,800.

How much does it cost to rent in Ashburn?

Typical rent in Ashburn is $2,455 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Loudoun County is $2,438.

What is the FHA loan limit in Ashburn?

Ashburn uses the FHA limit for all of Loudoun County (2026): $1,249,125 for a one-unit home and $2,402,625 for a four-unit home.

How much property tax do owners pay in Ashburn?

The typical homeowner in Ashburn pays $5,836 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Loudoun County, the rate is 0.85%.

Where can I find free help to buy or rent in Ashburn?

We found no HUD-approved counseling agencies with an office in Loudoun County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).