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City · 24,672 residents · Fairfax County, Virginia

Herndon , Virginia

In Herndon, a typical home is worth $599,100 and typical rent is $2,259 a month. Compared with all of Fairfax County, the typical home value is 18% lower and the share of households that own their home is 7 points lower.

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  • Typical home value

    $599,100

    18% below the county

    56% above Virginia

    • Herndon
    • Fairfax
    • Virginia

  • Typical rent

    $2,259a month

    About the same as the county

    43% above Virginia

    • Herndon
    • Fairfax
    • Virginia

  • Typical household income

    $148,000a year

    4% below the county

    59% above Virginia

    • Herndon
    • Fairfax
    • Virginia

  • Households that own their home

    62%

    7 points below the county

    5 points below Virginia

    • Herndon
    • Fairfax
    • Virginia

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

Market now, with Zillow data

Zillow data
Typical home value
$722,139
0.8% more than 12 months ago
Typical rent
$2,382 a month
1% more than 12 months ago

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

Herndon is in Fairfax 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 Fairfax County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Herndon apart

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

  1. Herndon has the 4th smallest share of rent-burdened renters of the 133 cities in Virginia with more than 5,000 people (30%).

  2. Nearby, in Hutchison, the typical home value is $476,900: 20% less than in Herndon ($599,100).

  3. The typical home in Herndon is worth $599,100, 18% less than in Fairfax County as a whole ($732,800).

  4. 62% of households in Herndon own their home, against 69% in Fairfax County.

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

The homes here

Housing in Herndon

What homes there are in Herndon, 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

In Herndon there is a bit of everything: no kind of home reaches half. The most common are detached houses (44%), as in Fairfax County.

Year built

The typical year built in Herndon is 1983, about the same as in Fairfax County (1983).

In Herndon, 69% of homes have 3 bedrooms or more, about the same as in Fairfax County.

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

$2,911 a month

Fairfax County: $3,227 a month

Without a mortgage

$958 a month

Fairfax County: $1,082 a month

Owners with a mortgage

76%

Fairfax County: 72%

In Herndon, 76% of owners have a mortgage, and their typical cost is $2,911 a month, against $3,227 in Fairfax County. Without one it drops to $958.

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

Since 2015–2019, homes in Herndon gained value faster than in Fairfax County: 35% against 30%.

The typical rent in Herndon rose 25% over the same time; in Fairfax County, it rose 21%.

While home values in Herndon changed +35% and rent +25%, the typical household income rose 33%.

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

MeasureHerndonFairfax CountyVirginiaUnited States
Rental vacancy Unreliable estimate4.4%4.8%5.5%
Homeowner vacancy Unreliable estimate0.4%0.8%0.9%
More than one person per room 6.8%3.2%2.1%3.4%
People per household 3.162.752.522.53
Drive alone 56%55%68%69%
Carpool 14%8%8%9%
Public transit 4%5%2%3%
Walk or bike 2%2%2%3%
Work from home 21%29%18%15%
Other means 3%2%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 6.8% of households in Herndon live, more than in Fairfax County (3.2%).

On average, a household in Herndon has 3.16 people, more than in Fairfax County (2.75).

More people carpool to work in Herndon than in Fairfax County: 14% against 8%.

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 Herndon?

A typical home costs more than the typical income allows

We start with a typical home in Herndon, worth $599,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Herndon, which is $148,000 a year. For that payment to be 28% of income, a household would need to earn about $216,804 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Herndon. 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 $20,969 (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

$5,059

at 7.18% · 30 years

Loan amount
$588,248
Total interest
$846,351
Paid off in
November 2056

Includes $10,117 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,453 a month

  • Tight

    $3,453 to $4,440 a month

  • Hard

    more than $4,440 a month

    Your payment · 41%

Compared with the typical household income in Herndon ($148,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,059
Principal & interest$3,985
Property tax$559
Home insurance$250
FHA mortgage insurance (MIP)$265

You need at least $20,969 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

Herndon and Fairfax County

Herndon is in Fairfax 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).

Herndon's own numbers

Typical home value
$599,100
Typical monthly rent
$2,259
Typical yearly household income
$148,000
Households that own their home
62%
Effective property tax rate
1.12%

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

Numbers for all of Fairfax 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)
+35%
Homes in a high flood-risk zone
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 Fairfax County.

Everything about Fairfax County

Buying

Buying a home in Herndon

A typical home in Herndon is worth $599,100: 18% below the county and 56% above Virginia. With the typical household income in Herndon ($148,000 a year), a typical home costs 4.0 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.

  • Herndon 4.0 years
  • Fairfax 4.8 years
  • Virginia 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Fairfax County

According to FHFA’s house price index, home prices in Fairfax County rose 55% in the 10 years through 2025.

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

Period County Virginia U.S.
Last year (2025) +2.1% +3.7% +2.9%
5 years (2020–2025) +35% +49% +47%
10 years (2015–2025) +55% +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

Herndon next to Fairfax 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
  • Herndon $599,100
  • Fairfax $732,800
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Herndon $2,259
  • Fairfax $2,276
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Herndon $148,000
  • Fairfax $153,637
  • Virginia $93,170
  • United States $80,734
See the full table
Herndon next to Fairfax County and Virginia
Measure Herndon Fairfax County Virginia U.S.
Typical home value $599,100 $732,800 $383,700 $332,700
Typical monthly rent $2,259 $2,276 $1,579 $1,413
Typical yearly household income $148,000 $153,637 $93,170 $80,734
Households that own their home 62% 69% 67% 65%
Typical yearly property tax $6,680 $7,368 $2,790 $3,119
Effective property tax rate 1.12% 1.01% 0.73% 0.94%
Renters with high rent for their income 30% 46% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fairfax 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 Herndon

For a typical $599,100 home in Herndon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Herndon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,059a month

    Least cash to close
    Down payment
    $20,969
    Cash to close
    $38,942
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $265

  • Conventional, 5% down $4,949a month

    Down payment
    $29,955
    Cash to close
    $47,928
    Rate
    7.18%
    Mortgage insurance
    PMI · $285

  • Conventional, 20% down, no PMI $4,056a month

    Down payment
    $119,820
    Cash to close
    $137,793
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,609a month

    Down payment
    $89,865
    Cash to close
    $107,838
    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 Herndon and for Fairfax County.

Property tax

Effective rate in Herndon

1.12%of the home’s value each year

$6,680 a year for the typical owner in Herndon.

  • Herndon 1.12%
  • Fairfax 1.01%
  • 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 Fairfax County

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

Homes in the high-risk zone
1%
3,414
Of those, with NFIP insurance
22%
County Virginia U.S.
Homes in the high-risk zone 1% 1.5% 3.5%
Of those, with NFIP insurance 22% 100% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Herndon

Typical rent in Herndon is $2,259 a month: about the same as the county. In Herndon, 30% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Fairfax 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 Fairfax 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 Herndon

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Herndon is in ZIP code 20170.

For 2 bedrooms it is $2,720: $282 more than the fair market rent for Fairfax County ($2,438).

  • 20170 $2,720$3,470

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Herndon 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 Herndon

HUD lists 9 buildings with rents for lower incomes in Herndon. These are the largest.

  • Coppermine Run I 2450 Masons Ferry Dr, Herndon 20171 152 low-income homes · 2 bd: 114 · 3 bd: 38 · In service since 2003 · For families
  • Dulles Center I 2410 Little Current Dr, Herndon 20171 144 low-income homes · 2 bd: 72 · 3 bd: 72 · In service since 1996 · For families
  • Kendrick Court 13430 Coppermine Rd, Herndon 20171 139 low-income homes · 1 bd: 66 · 2 bd: 73 · In service since 2000 · For older adults
  • Jefferson Commons II 2452 Masons Ferry Dr, Herndon 20171 136 low-income homes · 2 bd: 102 · 3 bd: 34 · In service since 1998
  • Dulles Center II 2410 Little Current Dr, Herndon 20171 128 low-income homes · 2 bd: 64 · 3 bd: 64 · In service since 1997 · For families

See all 93 buildings in Fairfax County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Herndon

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.

There are 2 HUD-approved agencies with an office in Fairfax County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Herndon

No down payment, repair or rent-help program on our list is for Herndon or Fairfax County. The ones below are statewide in Virginia: they work in Herndon 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 Herndon

The HUD-approved agencies closest to the center of Herndon, 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 · 3 miles away

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

  • Korean Community Service Center of Greater Washington

    7700 Little River Tpke Ste 406, Annandale · 13 miles away

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

  • Prince William County Virginia Cooperative Extension

    8033 Ashton Ave Ste 105, Manassas · 15 miles away

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

Every agency in Fairfax County All counseling agencies in Virginia

Help in Spanish near Herndon

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 Herndon

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

  • Fairfax County Redevelopment & Hsg Authority Public housing and Section 8 vouchers (703) 653-7130

All housing agencies in Virginia Source: HUD

Cities

Other cities in Fairfax County

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

Everything about Fairfax County Housing in Virginia
See 47 more cities in Fairfax County, with prices and rents

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

Nearby cities

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

Neighboring counties

If Fairfax 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 Herndon.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Herndon

Short answers with the numbers for Herndon and all of Fairfax 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 Herndon?

The typical home value in Herndon is $599,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fairfax County it is $732,800.

How much does it cost to rent in Herndon?

Typical rent in Herndon is $2,259 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fairfax County is $2,438.

What is the FHA loan limit in Herndon?

Herndon uses the FHA limit for all of Fairfax 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 Herndon?

The typical homeowner in Herndon pays $6,680 a year, according to the U.S. Census Bureau. That is 1.12% of the home’s value; in Fairfax County, the rate is 1.01%.

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

There are 2 HUD-approved counseling agencies with an office in Fairfax County. 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).