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City · 10,973 residents · Fairfax County, Virginia

Lake Barcroft , Virginia

In Lake Barcroft, a typical home is worth $887,300 and typical rent is $1,923 a month. Compared with all of Fairfax County, the typical home value is 21% higher and typical rent is 16% lower.

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  • Typical home value

    $887,300

    21% above the county

    131% above Virginia

    • Lake Barcroft
    • Fairfax
    • Virginia

  • Typical rent

    $1,923a month

    16% below the county

    22% above Virginia

    • Lake Barcroft
    • Fairfax
    • Virginia

  • Typical household income

    $140,882a year

    8% below the county

    51% above Virginia

    • Lake Barcroft
    • Fairfax
    • Virginia

  • Households that own their home

    68%

    About the same as the county

    1 points above Virginia

    • Lake Barcroft
    • Fairfax
    • Virginia

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

Lake Barcroft 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 Lake Barcroft apart

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

  1. Nearby, in Bailey's Crossroads, the typical home value is $416,600: 53% less than in Lake Barcroft ($887,300).

  2. The typical home in Lake Barcroft is worth $887,300, 21% more than in Fairfax County as a whole ($732,800).

  3. Nearby, in Seven Corners, the typical rent is $1,632: 15% less than in Lake Barcroft ($1,923).

  4. The typical rent in Lake Barcroft is $1,923 a month, 16% less than in Fairfax County as a whole ($2,276).

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

The homes here

Housing in Lake Barcroft

What homes there are in Lake Barcroft, 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

Detached houses, standing on their own, make up 62% of homes here, against 46% in Fairfax County.

Year built

In Lake Barcroft, half of the homes were built before 1961; in Fairfax County, before 1983.

In Lake Barcroft, 64% 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

$3,486 a month

Fairfax County: $3,227 a month

Without a mortgage

$1,310 a month

Fairfax County: $1,082 a month

Owners with a mortgage

70%

Fairfax County: 72%

Owning costs more in Lake Barcroft: with a mortgage, the typical cost is $3,486 a month; in Fairfax County, $3,227. Without one, $1,310.

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 typical home value in Lake Barcroft rose 32% since 2015–2019, about the same as in Fairfax County (30%).

Much as in Fairfax County, the typical rent in Lake Barcroft rose 19% since 2015–2019.

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

MeasureLake BarcroftFairfax 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 8.3%3.2%2.1%3.4%
People per household 2.752.752.522.53
Drive alone 55%55%68%69%
Carpool 7%8%8%9%
Public transit 4%5%2%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 30%29%18%15%
Other means Unreliable estimate2%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 8.3% of households in Lake Barcroft live, more than in Fairfax County (3.2%).

By size, households in Lake Barcroft look like those in Fairfax County: 2.75 people on average.

In Lake Barcroft, 55% of workers drive alone to work; in Fairfax County, 55%.

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 Lake Barcroft?

A typical home costs more than the typical income allows

We start with a typical home in Lake Barcroft, worth $887,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 65% of the typical household income in Lake Barcroft, which is $140,882 a year. For that payment to be 28% of income, a household would need to earn about $325,630 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 Lake Barcroft. 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 $31,056 (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

$7,598

at 7.18% · 30 years

Loan amount
$871,228
Total interest
$1,253,493
Paid off in
November 2056

Includes $14,984 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,287 a month

  • Tight

    $3,287 to $4,226 a month

  • Hard

    more than $4,226 a month

    Your payment · 65%

Compared with the typical household income in Lake Barcroft ($140,882 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,598
Principal & interest$5,902
Property tax$791
Home insurance$370
FHA mortgage insurance (MIP)$535

You need at least $31,056 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

Lake Barcroft and Fairfax County

Lake Barcroft 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).

Lake Barcroft's own numbers

Typical home value
$887,300
Typical monthly rent
$1,923
Typical yearly household income
$140,882
Households that own their home
68%
Effective property tax rate
1.07%

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 Lake Barcroft

A typical home in Lake Barcroft is worth $887,300: 21% above the county and 131% above Virginia. With the typical household income in Lake Barcroft ($140,882 a year), a typical home costs 6.3 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.

  • Lake Barcroft 6.3 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

Lake Barcroft 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
  • Lake Barcroft $887,300
  • Fairfax $732,800
  • Virginia $383,700
  • United States $332,700
Typical monthly rent
  • Lake Barcroft $1,923
  • Fairfax $2,276
  • Virginia $1,579
  • United States $1,413
Typical yearly household income
  • Lake Barcroft $140,882
  • Fairfax $153,637
  • Virginia $93,170
  • United States $80,734
See the full table
Lake Barcroft next to Fairfax County and Virginia
Measure Lake Barcroft Fairfax County Virginia U.S.
Typical home value $887,300 $732,800 $383,700 $332,700
Typical monthly rent $1,923 $2,276 $1,579 $1,413
Typical yearly household income $140,882 $153,637 $93,170 $80,734
Households that own their home 68% 69% 67% 65%
Typical yearly property tax $9,476 $7,368 $2,790 $3,119
Effective property tax rate 1.07% 1.01% 0.73% 0.94%
Renters with high rent for their income 45% 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 Lake Barcroft

For a typical $887,300 home in Lake Barcroft, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lake Barcroft's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,598a month

    Least cash to close
    Down payment
    $31,056
    Cash to close
    $57,675
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $535

  • Conventional, 5% down $7,293a month

    Down payment
    $44,365
    Cash to close
    $70,984
    Rate
    7.18%
    Mortgage insurance
    PMI · $421

  • Conventional, 20% down, no PMI $5,970a month

    Down payment
    $177,460
    Cash to close
    $204,079
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,790a month

    Down payment
    $133,095
    Cash to close
    $159,714
    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 Lake Barcroft and for Fairfax County.

Property tax

Effective rate in Lake Barcroft

1.07%of the home’s value each year

$9,476 a year for the typical owner in Lake Barcroft.

  • Lake Barcroft 1.07%
  • 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 Lake Barcroft

Typical rent in Lake Barcroft is $1,923 a month: 16% below the county. In Lake Barcroft, 45% 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 Lake Barcroft

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lake Barcroft has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,250 in 22044 to $2,340 in 22041.

None is above the fair market rent for Fairfax County ($2,438).

  • 22041 $2,340$2,980
  • 22044 $2,250$2,870

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lake Barcroft 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?

Free help

Help to buy or rent in Lake Barcroft

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 listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Lake Barcroft

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

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

  • Korean Community Service Center of Greater Washington

    7700 Little River Tpke Ste 406, Annandale · 3 miles away

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

  • Latino Economic Development Corporation - Branch

    2300 Wilson Blvd, Arlington · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (703) 527-3854

  • Cornerstones, Inc.

    11150 Sunset Hills Rd Ste 210, Reston · 11 miles away

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

Every agency in Fairfax County All counseling agencies in Virginia

Help in Spanish near Lake Barcroft

1 of the 3 agencies on this list says it serves 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 Lake Barcroft

HUD’s record names them for Lake Barcroft 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 Lake Barcroft, 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 Lake Barcroft.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Lake Barcroft

Short answers with the numbers for Lake Barcroft 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 Lake Barcroft?

The typical home value in Lake Barcroft is $887,300, 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 Lake Barcroft?

Typical rent in Lake Barcroft is $1,923 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 Lake Barcroft?

Lake Barcroft 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 Lake Barcroft?

The typical homeowner in Lake Barcroft pays $9,476 a year, according to the U.S. Census Bureau. That is 1.07% of the home’s value; in Fairfax County, the rate is 1.01%.

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

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).