Homes under $400K in Northern Virginia
Under $400K is the entry point to Northern Virginia. Your best value is in outer Loudoun and Prince William — condos and some townhomes — plus condos closer in that trade space for a shorter commute.
At this price, moving quickly and being pre-approved matters: well-priced inventory goes fast, and a clean, ready offer wins.
- Where it lands: Manassas, Woodbridge, Dumfries, Sterling, Leesburg (condos), and condos inside the Beltway
- Property types: Condos and select townhomes
- What to expect: Expect mostly condos and older townhomes; HOA/condo fees matter to your monthly cost here.
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What can I buy for under $400K in Northern Virginia?
Expect mostly condos and older townhomes; HOA/condo fees matter to your monthly cost here. Typically that means condos and select townhomes in areas like Manassas, Woodbridge, Dumfries, Sterling, Leesburg (condos), and condos inside the Beltway. The exact mix shifts with the market — we’ll send you what’s actually available today.
What’s the monthly payment on a $400K home?
At $400K with 10% down at 6.5% over 30 years, the estimated total payment is about $2,815/month including taxes, insurance, and PMI. Your actual payment depends on your rate, down payment, HOA, and loan program.
Should I look at new construction under $400K?
Often yes — builder incentives (closing-cost credits, rate buydowns) can make a new home’s true monthly cost competitive with resale. Always verify current incentives directly with the builder, and compare the real numbers side by side.
See what’s available under $400K
Get matched homes for your budget and timeline — Raoul Shah represents you through the offer and closing.
Price ranges are illustrative and not a guarantee of available inventory. Monthly estimates are informational only, not a loan approval.