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FHA loans in Front Royal, VA

Quick answer

The 2026 FHA loan limit in Front Royal, VA (Warren County) is $1,249,125 for a single-family home, enough for a purchase price up to about $1,294,000 with 3.5% down. On the $284,900 median home value, that down payment is about $9,972 and the estimated payment is $2,326/month at 7.18%, which needs roughly $100,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $64,025; value-to-income ratio 4.45. Front Royal ranks 102 by home value and 91 by population among 129 places in our VA dataset.

What does an FHA loan cost on a typical Front Royal home?

ItemFront Royal
Median home value (Census ACS)$284,900
Virginia median home value$360,700
Down payment (3.5%)$9,972
Loan incl. 1.75% upfront MIP$279,740
Estimated monthly payment (PITI + MI)$2,326
Income needed (28% / 36%)$100,000 / $78,000
Warren County 2026 FHA limit (1 unit)$1,249,125
Max purchase price at the limit$1,294,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Virginia's 0.74% effective property tax rate (Census ACS), $1,537/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Front Royal?

Front Royal is in Warren County, a designated high-cost area, where HUD's 2026 one-unit FHA limit is $1,249,125. With the minimum 3.5% down, that caps the purchase price at about $1,294,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $1,249,125).

The Front Royal median home value of $284,900 is 21% below the Virginia median, and within what the county limit supports.

Which down payment assistance programs can Front Royal buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

FHA loans in nearby cities

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FHA loan FAQs for Front Royal

Front Royal is in Warren County, where HUD's 2026 FHA limit for a one-unit home is $1,249,125. With 3.5% down, that supports a purchase price up to about $1,294,000.

3.5% of $284,900 is about $9,972 with a 580+ credit score (10%, or $28,490, with a 500–579 score), plus closing costs.

At the $284,900 median value (below the Virginia median of $360,700), the estimated payment of $2,326/month at 7.18% needs about $100,000 a year under the 28% housing guideline, or $78,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.